Loan type × state · CA
CDFI small business loans in California
38 certified CDFIs that serve California describe small business loans on their own websites: 36 headquartered in California and 2 based elsewhere whose stated service area includes California. 11 national lenders with the same product are listed separately. Lender websites read 29 Oct 2026–4 Nov 2026.
- Lenders
- 38
- Based in CA
- 36
- Based elsewhere
- 2
- National
- 11
Counted from each lender's own website: a lender is listed when it describes small business loans on a page we read and is headquartered in California or names California, or a county or town in it, as its service area. 38 other verified lenders that serve California did not mention small business loans on the pages we read, and 26 lenders headquartered here have no verified data yet. Not mentioned does not mean not offered. A listing is not an offer: ask the lender.
What these 38 lenders say
Lender websites, 29 Oct 2026–4 Nov 2026| Lender types | 26 loan funds, 6 credit unions, 3 banks or thrifts, 2 bank holding companies, 1 venture capital fund |
|---|---|
| Largest amount stated | 17 lenders state a maximum: median $250,000, range $10,000 to $1M |
| Smallest amount stated | 12 lenders state a minimum: median $7,500, lowest $300 |
| Borrower focus stated | Low- and moderate-income / underserved (8), Startups (8), Women (4), Minority / BIPOC (4), Nonprofits (4), Native American / Alaska Native / Native Hawaiian (4) |
| Languages other than English | Spanish (9), Chinese (1), Hmong (1), Tagalog (1) |
| Online application link found | 25 of 38 |
| Service area stated on their site | 28 of 38 |
See also all 97 CDFIs headquartered in California, CDFI small business loans in every state.
Headquartered in California (36)
- AccessityLoan fund · San Diego, CASmall-business loans$300 to $25,000
From $300 to $25,000 term loans for startup or growing businesses
Verified - Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Financing Small Business Loan | Flexible Funding Options
Verified - AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…up to $100,000
Loan amounts up to $100,000 with terms up to 60 months.
Verified - Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loans
We are a company specialized in providing financial products, including personal loans and commercial loans.
Verified - Arcata Economic Development CorporationLoan fund · Eureka, CACommercial real estate loans, Microloans, Small-business loans$10,000 to $350,000
Loan amounts range from $10,000 to $350,000 or more.
Verified - B.S.D. Capital, Inc. dba LendistryLoan fund · Los Angeles, CACommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
EXCERPT (verbatim): #### Business Term Loan
Verified - Beneficial State Bancorp, Inc.Bank holding company · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…
Business Lending
Verified - Beneficial State BankBank or thrift · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…$10,000 to $150,000
This loan type is for clients looking to borrow $10,000 to $150,000.
Verified - California Capital Small Business Financial Development CorporationLoan fund · Sacramento, CAMicroloans, Small-business loansup to $150,000
Small Business Loans up to $150,000
Verified - California Coastal Rural Development CorporationLoan fund · Salinas, CAAgriculture / farm loans, Microloans, Small-business loans
To promote small business enterprises with special emphasis on assistance to those which will create or retain jobs in California.
Verified - Corazo Credit UnionCredit union · El Centro, CAAuto / vehicle loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…
Whether you need funds for expansion, inventory, or working capital, we offer tailored solutions to meet your financial needs.
Verified - Creser Capital FundLoan fund · Sausalito, CASmall-business loans$5,000 to $50,000
These business loans are from $5,000.00 to $50,000.00. A loan application and complete documentation are required to qualify for these loans.
Verified - Episcopal Community Federal Credit UnionCredit union · Los Angeles, CAAuto / vehicle loans, Small-dollar / emergency loans, Nonprofit / community facility loans, Personal / consumer loans…
We offer business loans for businesses with competitive rates and no prepayment penalties.
Verified - Excite Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…
Here are our Business Credit Card and Loan Rates:
Verified - Feed the Hunger FundLoan fund · San Francisco, CAAgriculture / farm loans, Small-business loans
We provide loan capital for local small businesses.
Verified - First Community Capital, Inc.Loan fund · Riverside, CASmall-dollar / emergency loans, Microloans, Nonprofit / community facility loans, Personal / consumer loans…up to $250,000
Up to $250,000
Verified - First General BankBank or thrift · Rowland Heights, CACommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Working Capital Loans and Lines of Credit
Verified - Fresno Community Development Financial Institution dba Access Plus CapitalLoan fund · Fresno, CACommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Microloans…$5,000 to $500,000
Borrow between $5,000 and $500,000
Verified - ICA FundVenture capital fund · Oakland, CAEquity / venture investment, Small-business loans
Our structures include equity investment, term loans, convertible notes and revenue-based structures
Verified - Inclusive Action for the CityLoan fund · Los Angeles, CASmall-business loans$500 to $250,000
Loans range from $500-$250,000
Verified - Main Street LaunchLoan fund · Oakland, CASmall-business loansup to $350,000
Access to micro and small business loans up to $350,000, offering competitive interest rates and no prepayment penalties.
Verified - Mission Community Loan Fund LLCLoan fund · San Francisco, CASmall-business loans$5,000 to $10,000
Loan Amounts: $5,000 – $10,000
Verified - Neighborhood BancorpBank holding company · National City, CACommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Neighborhood Bank revolving lines of credit can assist with accounts receivable financing, inventory financing and other short-term funding needs.
Verified - Neighborhood National BankBank or thrift · National City, CACommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Neighborhood Bank revolving lines of credit can assist with accounts receivable financing, inventory financing and other short-term funding needs.
Verified - Northeast Community Federal Credit UnionCredit union · San Francisco, CASmall-business loans
NECFCU supports local businesses through tailored loan products (e.g., Community Small Business Loan program)
Verified - PACE Finance CorporationLoan fund · Los Angeles, CAMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
designed to support business expansion, stabilize cash flow, purchase equipment, or fund other operational needs.
Verified - Pacific Coast Regional, Small Business Development CorporationLoan fund · Los Angeles, CAMicroloans, Small-business loans$50,000 to $650,000
Loans between $50,000 and $650,000 to support the growth of underserved small businesses.
Verified - Pacific Community FundLoan fund · Daly City, CASmall-dollar / emergency loans, Personal / consumer loans, Small-business loans
Select from flexible term loans or revolving credit lines designed to support your cash flow.
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans$100,000 to $1M
RIIF offers term loans, bridge loans, and lines of credit ranging from $100,000 to $1 million, with flexibility to respond to borrower capital needs.
Verified - Rural Community Assistance CorporationLoan fund · West Sacramento, CAAffordable housing development loans, Nonprofit / community facility loans, Small-business loans
This program offers short-term loans for working capital and lines of credit as well as long-term loans for real estate and equipment.
Verified - TMCCommunityCapitalLoan fund · Oakland, CAMicroloans, Small-business loans
Small Business Loan
Verified - Valley Small Business Development CorporationLoan fund · Fresno, CAAgriculture / farm loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans$10,000 to $750,000
$10,000 – $750,000
Verified - Valley Strong Credit UnionCredit union · Bakersfield, CAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…
Fuel your business growth with flexible financing options
Verified - Westwater Financial, Inc.Loan fund · Windsor, CA · Native CDFICredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loans
we offer loans to qualifying businesses at competitive rates
Verified - Working Solutions CDFILoan fund · San Francisco, CASmall-business loans$5,000 to $100,000
Working Solutions makes loans from $5,000 up to $100,000. Loan amounts are determined after application review.
Verified - Yurok Alliance for Northern California HousingLoan fund · Klamath, CA · Native CDFIHome repair / improvement loans, Microloans, Personal / consumer loans, Small-business loansup to $25,000
Business Loans - up to $25,000 For start ups and existing businesses
Verified
Based elsewhere, say they serve California (2)
Their own website names California, or a county or town in it, in its service area.
- LiftFund, Inc.Loan fund · San Antonio, TXCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
SBA 504 Small Business Loans
Service area: Community Advantage loans: AL, AR, CA, FL, GA, KY, LA, MS, MO, NM, NY, OK, SC, TN, TX (per site)Verified - Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loans$10,000 to $250,000
$10,000 – $250,000
Service area: Primarily New Mexico and Arizona, with some financing in California, Hawaii and Oklahoma; Southwest U.S. focusVerified
National lenders (11)
These lenders say they lend nationwide and do not exclude California. They are not counted above.
- Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
We offer flexible loans designed to help small businesses in low-income communities get the funding they need to start, grow, or keep going strong.
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Business Term Loan • Receive funds as a one-time lump sum for larger investments in your business
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Products include providing capital directly, or through CDFI intermediaries, to businesses in low-income communities.
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
We specialize in delivering flexible and patient debt and equity to underserved small-medium growth ready businesses throughout the country.
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
We seek to fuel that growth by supporting eligible small businesses that have needs beyond a conventional lender’s profile.
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
LISC provides financing to small businesses in low- and moderate-income communities and businesses owned by individuals who have struggled to access capital.
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
We seek to fuel that growth by supporting eligible small businesses that have needs beyond a conventional lender’s profile.
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
We provide flexible capital to high-impact businesses, helping them grow and strengthen local economies.
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans$5,000 to $1M
Loans of $5,000 to $1,000,000 are available for one to ten years.
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Small business loans helping entrepreneurs in underserved communities start, sustain, and grow with fair, affordable terms through the UPILF/MMG Institutional Alliance.
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
USI looks at the whole picture when deciding to lend our small business and microloans rather than focusing solely on credit.
Verified
County pages in California with these lenders
Number of lenders above that name the county (or a town in it) on their website or are headquartered there.
Other loan types in California
CDFI small business loans in other states
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement. Disclaimer.
Source: CDFI Atlas, cdfiatlas.com/states/ca/small-business-loans/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).