City directory · California
CDFI lenders in Oakland, CA
7 Treasury-certified CDFIs are headquartered in Oakland, California: 4 loan funds · 1 bank or thrift · 1 bank holding company · 1 venture capital fund. Loan details confirmed from their own websites for 6. Source: CDFI Fund list as of 21 Oct 2026.
- Certified
- 7
- Verified
- 6
- In California
- 97
Headquarters is not the same as service area: lenders elsewhere in California may also lend in Oakland. See all 97 CDFIs in California.
Loan types confirmed on these lenders' websites
- Small-business loans (5 lenders)
- Affordable housing development loans (3 lenders)
- Auto / vehicle loans (2 lenders)
- Commercial real estate loans (2 lenders)
- Energy / solar / efficiency loans (2 lenders)
- SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)
- Equipment loans (1 lender)
- Equity / venture investment (1 lender)
- Beneficial State Bancorp, Inc.Bank holding company · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…Verified
- Beneficial State BankBank or thrift · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
- Habitat Community CapitalLoan fund · Oakland, CAAffordable housing development loansVerified
- ICA FundVenture capital fund · Oakland, CAEquity / venture investment, Small-business loansVerified
- Main Street LaunchLoan fund · Oakland, CASmall-business loansVerified
- TMCCommunityCapitalLoan fund · Oakland, CAMicroloans, Small-business loansVerified
- Pacific Community Ventures, Inc.Loan fund · Oakland, CAOfficial list only
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Capital Corridor SCORESCORE mentoring · 5627 Telegraph Ave. Ste 133, Oakland, CA 94609510-273-6611
- SCORE San Francisco & East BaySCORE mentoring · 5627 Telegraph Ave Ste 133, Oakland, CA 94609510-273-6611
- AnewAmerica Women's Business Center - OaklandWomen's Business Center · 1470 Fruitvale Avenue, Oakland, CA 94601510-532-5240
- East Bay SBDCSmall Business Development Center · 25800 Carlos Bee Boulevard, Hayward, CA 94542510-885-4801
Housing counseling
- Eden Council for Hope and Opportunity (ECHO)HUD-approved housing counselor · 1305 Franklin St Ste 305, Oakland, CA 94612510-581-9380
- Habitat for Humanity East Bay/Silicon ValleyHUD-approved housing counselor · 2619 Broadway, Oakland, CA 94612510-803-3373
- Habitat for Humanity East Bay/Silicon Valley - MilpitasHUD-approved housing counselor · 2619 Broadway, Oakland, CA 94612510-803-3371
- NACA (Neighborhood Assistance Corporation of America) Oakland, CAHUD-approved housing counselor · 3801-3805 Broadway, Oakland, CA 94611510-652-6622
- National Association of Real Estate Brokers-Investment Division, IncHUD-approved housing counselor · 7677 OakPort Street, Suite 1030, 10th Fl, Oakland, CA 94621510-268-9792
- Nid-Hca Oakland Main BranchHUD-approved housing counselor · 7677 Oakport St Ste 510, Oakland, CA 94621510-268-9792
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other California cities with several CDFIs
Source: CDFI Atlas, cdfiatlas.com/states/ca/oakland/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).