At a glance
From its website, read 2 Nov 2026Valley Small Business Development Corporation is a loan fund based in Fresno, California. Its website describes farm loans, SBA-backed loans and small-business loans. Stated loan amounts run from $10,000 to $1.8M. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (559) 438-9680 source |
|---|---|
| Apply online | Page with the application link |
| Website | VSBDC.com |
| Office (official list) | 7035 N. Fruit Avenue, Fresno, CA 93711 |
What their website says about applying
Complete the online loan application from the convenience
sourceGenerally you should start the application process early to determine the likelihood that you will qualify for the financing for your business
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.
Who qualifies, in their words
- Low or damaged credit considered
You can always apply for a loan but your credit is a very important factor for qualifying for a loan.
source - Collateral required
Adequate collateralization
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 7035 N. Fruit Avenue, Fresno, CA 93711 Directions (Google Maps) |
| Website | VSBDC.com |
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: medium. The service area is not stated on the pages fetched, and the Wells Fargo and USDA programs listed on the program page were left out because the pages do not confirm Valley offers them. 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 | up to $1.8M | FSA can guarantee OL or FO loans up to $1,799,000 (amount adjusted annually based on inflation). | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $250,000 | Up to $100,000 in some cases, can go up to $250,000 | source |
| Small-business loans | $10,000 – $750,000 | $10,000 – $750,000 | source |
Loan sizes
Up to $100,000 in some cases, can go up to $250,000
sourceFSA can guarantee OL or FO loans up to $1,799,000 (amount adjusted annually based on inflation).
source$10,000 – $750,000
source
Range used for the size filter: $10,000 to $1.8M
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
Farmers and ranchers apply to Valley, which then arranges for the guarantee.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete the online loan application from the convenience of your own home or office.
source
Pages read (7)
- https://www.vsbdc.com/
- https://www.vsbdc.com/agriculture-loan-programs/agricultural-loan-programs-faq/
- https://www.vsbdc.com/small-business-loan-programs/small-business-loan-programs-faq/
- https://www.vsbdc.com/agriculture-loan-programs/
- https://www.vsbdc.com/small-business-loan-programs/
- https://www.vsbdc.com/agriculture-loan-programs/program-description/
- https://www.vsbdc.com/small-business-loan-programs/program-descriptions/
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. - What interest rate and fees should I expect on your farm loans and SBA-backed loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated 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$2.8 million in 2 awards from the U.S. Treasury's CDFI Fund, 2004–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2004 | CDFI Program, Financial Assistance | $925,000 |
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 | $19.1M |
|---|---|
| Total liabilities | $12.6M |
| Net assets | $6.5M |
| Total revenue | $3.1M |
| Notes and loans receivable, net (Part X line 7) | $8.5M |
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 94-2461685, filed as “VALLEY SMALL BUSINESS 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) | $19.4M | $4.3M | $2.5M | $9M |
| Jun 2022 (990) | $20M | $5M | $2.3M | $7.2M |
| Jun 2023 (990) | $19.1M | $6.5M | $3.1M | $8.5M |
Total assets fell 2% from Jun 2021 to Jun 2023; notes and loans receivable fell 5%. 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 | $1.8M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 79% of these 184. |
| Total assets, latest IRS Form 990 | $19.1M | Larger than 53% 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 79% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 53% |
“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 Fresno and California
- Fresno Area Hispanic FoundationLoan fund · Fresno, CAMicroloans, Personal / consumer loansVerified
- Fresno Community Development Financial Institution dba Access Plus CapitalLoan fund · Fresno, CACommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Microloans…Verified
- 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
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