Business Loans

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

Santa Rosa SBA Lenders

  • Bay Sierra Financial
    1410 Neotomas Avenue
    Santa Rosa, CA 95405 
    Phone: 707-544-5696
  • First Community Bank
    438 First Street
    Santa Rosa, CA 95401
    Phone: 707-636-9000
  • First Republic Bank 
    640 Third Street
    Santa Rosa, CA 95404
    Phone: 707-544-8881
  • SAFE-BIDCO
    1377 Corporate Center Parkway Suite A
    Santa Rosa, CA 95407
    Phone: 707-577-8621
  • Tri Counties Bank
    100 B Street, Suite 110
    Santa Rosa, CA 95401
    Phone: 707-522-5480
  • US Bank
    50 Old Courthouse Square
    Santa Rosa, CA 95404
  • Chase Bank
    835 Fourth Street
    Santa Rosa, CA 95404
    Phone: 707-576-3003
  • Exchange Bank
    545 Fourth Street
    Santa Rosa, CA 95401
    Phone: 707-524-3000
  • Summit State Bank
    500 Bicentennial Way
    Santa Rosa, CA 95403
    Phone: 707-568-6000
  • Wells Fargo SBA Lending
    200 B Street
    Santa Rosa, CA 95401
    707-584-3110
  • Umpqua Bank
    801 4th Street, First Floor 
    Santa Rosa, CA 95404
    Phone: 707-236-1350 

Environmentally-Oriented Loans

California Capital Access Program (CALCAP)

Working capital, etc. Funds do not need to be used for pollution control.
California Pollution Control Financing Authority, Phone: 916-654-5610, Website

Lenders
  • Bank of America Phone: 707-542-4433
  • Wells Fargo Phone: 707-584-3110

Energy Efficient / Conservation Loan

Purchase and installation of energy-saving equipment. Project must have an analysis of its impact.
SAFE-BIDCO Phone: 707-577-8621, Website

Recycling Market Development Zone (RMDZ) 

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

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

Land purchase, buildings, and new capital equipment to expand operations. The project must demonstrate social benefit within California.
California Statewide Community Development Authority Phone: 800-531-7476

Equipment Only Purchase Program (EP)

Lease purchase of new capital equipment only. Company must provide new jobs or other substantial public benefit.
California Statewide Community Development Authority Phone: 800-531-7476

OSB Guaranteed Loans

Equipment purchase, working capital, and lines of credit.
SAFE-BIDCO Phone: 707-577-8621

Loans to Corporations


Small Corporate Offering Registration Program (SCOR)

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.
California Department of Corporations Phone: Toll Free (866) 275-2677 or (916)327-7585

Real Estate Loans 

Acquisition, 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 

Land purchase, buildings, and new capital equipment to expand operations. The project must demonstrate social benefit within California.
California Statewide Community Development Authority Phone: 800-531-7476

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

Business purchases, real estate purchases, equipment purchases, working capital, some refinance allowable.
U.S. Small Business Administration (SBA)
SAFE-BIDCO Phone: 707-577-8621

Community Business Loan


Working capital, equipment purchases, leasehold improvements, construction, real property or acquisition of other assets.
Northern California Community Loan Fund Phone: 415-392-8215