At a glance
From its website, read 2 Nov 2026California Coastal Rural Development Corporation is a loan fund based in Salinas, California. Its website describes farm loans, microloans and small-business loans. Stated loan amounts run from $5,000 to $2.3M. The business loan rate it states is 7.75%. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (831) 424-1099 source |
|---|---|
| Phone | (805) 349-0798 source |
| Website | www.calcoastal.org |
| Office (official list) | 132 W Gabilan Street, Salinas, CA 93901 |
What their website says about applying
Pre-qualify here
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Interest rate is at variable prime rate plus 3.50% with the floor of 7.00%. | source |
| Microloans | Rate: up to 7.75% | Maximum regulatory rate is 7.75%. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 132 W Gabilan Street, Salinas, CA 93901 Directions (Google Maps) |
| Website | www.calcoastal.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Some program details come from the Loan Programs summary page; individual pages for guarantee and relending loans were not fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | $10,000 – $2.3M | $10,000 to $2,251,000. | source |
| Microloans | $5,000 – $50,000 | $5,000 to $50,000. | source |
| Small-business loans | — | To promote small business enterprises with special emphasis on assistance to those which will create or retain jobs in California. | source |
Loan sizes
$10,000 to $2,251,000.
source$5,000 to $50,000.
sourceLoans range between $5,000 to $400,000.
sourceLoan size ranges from $25,000 – $250,000.
source
Range used for the size filter: $5,000 to $2.3M
Service area
Not stated on the pages we read.
Borrower focus
Languages
- Spanish
Crédito y asistencia técnica para empresas de pequeña escala, sean nuevas o ya establecidas y en proceso de expanción.
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.calcoastal.org/
- https://www.calcoastal.org/loan-programs/farm-loan/
- https://www.calcoastal.org/loan-programs/micro-loan/
- https://www.calcoastal.org/es/programas-de-prestamo/prestamos-para-agricultores/
- https://www.calcoastal.org/es/programas-de-prestamo/micro-prestamos/
- https://www.calcoastal.org/loan-programs/
- https://www.calcoastal.org/es/programas-de-prestamo/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 5 awards from the U.S. Treasury's CDFI Fund, 1999–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2008 | CDFI Program, Financial Assistance | $1,000,000 |
| 1999 | CDFI Program, Financial Assistance | $300,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $18.6M |
|---|---|
| Total liabilities | $9.6M |
| Net assets | $9M |
| Total revenue | $5M |
| Notes and loans receivable, net (Part X line 7) | $9.5M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 94-0276025, filed as “CALIFORNIA COASTAL RURAL DEVELOPMENT CORPORATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $13.1M | $5.1M | $4.2M | $6.3M |
| Jun 2022 (990) | $15.9M | $7.5M | $5.5M | $7.9M |
| Jun 2023 (990) | $18.6M | $9M | $5M | $9.5M |
Total assets grew 41% from Jun 2021 to Jun 2023; notes and loans receivable rose 51%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $2.3M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 83% of these 184. |
| Total assets, latest IRS Form 990 | $18.6M | Larger than 49% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 83% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 49% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Salinas and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at California Coastal Rural Development Corporation? Link to this page
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