Business Loans

Sometimes businesses need a financial helping hand. The Small Business Administration (SBA) offers multiple loan programs.

Santa Rosa SBA Leaders

  • Sonoma Bank
    3558 Round Barn Boulevard, Number 300
    Santa Rosa, CA 95403
    Phone: 707-579-0610
  • Summit State Bank
    500 Bicentennial Way
    Santa Rosa, CA 95403
    Phone: 707-568-4912
  • Chase Bank
    835 Fourth Street
    Santa Rosa, CA 95404
    Phone: 707-576-3003
  • Wells Fargo SBA Lending
    200 B Street
    Santa Rosa, CA 95401
    707-371-2982

Environmentally-Oriented Loans


California Capital Access Program (CALCAP)


California Pollution Control Financing Authority, Phone: 916-654-5610

Lenders
  • Bank of America Phone: 707-542-4433
  • Wells Fargo Phone: 707-584-3110
Allowable Uses of Funds
Working capital, etc. Funds do not need to be used for pollution control.

Energy Efficient / Conservation Loan


SAFE-BIDCO Phone: 707-577-8621, Website

Allowable Uses of Funds
Purchase and installation of energy-saving equipment. Project must have an analysis of its impact.

Recycling Market Development Zone (RMDZ)


  • California Integrated Waste Management Board Phone: 916-341-6600
  • Loan Program Phone: 916-341-6530
  • Website
Allowable Uses of Funds
Real property, equipment, leasehold improvements, working capital, land.

Equipment Purchase Loans


Small Business Loan 7(a)


Allowable Uses of Funds
  • Acquisition
  • Equipment
  • Expansion or Renovation of Owner-Occupied Commercial Real Estate
  • Purchase
  • Working Capital and Inventory

Industrial Development Bonds


California Statewide Community Development Authority Phone: 800-635-3993

Allowable Uses of Funds
Land purchase, buildings, and new capital equipment to expand operations. The project must demonstrate social benefit within California.

Equipment Only Purchase Program (EP)


California Statewide Community Development Authority Phone: 800-635-3993

Allowable Uses of Funds
Lease purchase of new capital equipment only. Company must provide new jobs or other substantial public benefit.

OSB Guaranteed Loans


SAFE-BIDCO Phone: 707-577-8621

Allowable Uses of Funds
Equipment purchase, working capital, and lines of credit.

Loans to Corporations


Small Corporate Offering Registration Program (SCOR)


California Department of Corporations Phone: 415-972-8565

Allowable Uses of Funds
Proceeds from the SCOR offering must be expended in the operations of business operations of the business. Does not include servicing or retiring any loans from company insiders or affiliates.

Real Estate Loans


Allowable Uses of Funds
Aquisition, expansion, or renovation of owner-occupied commercial real estate or equipment. Focus is job creation; project must create one new job for every $35,000 loaned.

Industrial Development Bonds


California Statewide Community Development Authority Phone: 800-635-3993

Allowable Uses of Funds
Land purchase, buildings, and new capital equipment to expand operations. The project must demonstrate social benefit within California.

Other Loans


(SBA) Community Advantage Loan


Community Advantage is a pilot loan program introduced by the U.S. Small Business Administration (SBA) to meet the credit, management, and technical assistance needs of small businesses in underserved markets. Community Advantage provides mission-based lenders access to 7(a) loan guaranties as high as 85% for loans up to $250,000.

7 (A) Microloan Program


Small Business Administration (SBA)
Lender: Sonoma National Bank Phone: 707-579-0610
Allowable uses of funds: Specific business-related allowable uses.

Small Business Administration Loan


U.S. Small Business Administration (SBA)
SAFE-BIDCO Phone: 707-577-8621

Allowable use of funds
Business purchases, real estate purchases, equipment purchases, working capital, some refinance allowable.

CA Economic Development Lending Initiative (CEDLI) Phone: 510-267-8990
Allowable uses of funds: Consistent with CEDLI's mission. Preferably for business expansion, equipment purchase, working capital, business acquisition, leasehold improvements, inventory, and financing accounts receivable. Any legitimate business use.

Community Business Loan


Northern California Community Loan Fund Phone: 415-392-8215

Allowable Uses of Funds
Working capital, equipment purchases, leasehold improvements, construction, real property or acquisition of other assets.