Financing a Business

The Business Portal provides information on different financing opportunities available throughout California, including small business loans, export financing, energy financing, and federal loan programs. Click on one of the tabs below, complete the Incentives Section of the Business Navigator, or go to the Council of Development Finance Agency’s online resource database to learn more about financing options for your business.

Through partnerships with local organizations and state programs, California helps small business owners access the funding they need to manage their businesses.

Small Business Development Centers – Small Business Development Centers (SBDCs) provide comprehensive business assistance, including helping business owners access capital. SBDCs offer their services at no cost. Learn More

Small Business Loan Guarantee Program – The Small Business Loan Guarantee Program (SBLGP) provides loans to small businesses that experience capital access barriers.  Through this program, a small business can establish a favorable credit history with a lender and obtain access to future loans on its own, independent of the program. Qualifying small businesses owners may apply for an SBLGP loan by contacting a Financial Development Corporation (FDC). Learn More

Financial Development Corporations - Financial Development Corporations provide loan capital and other financial services to existing and start-up small businesses. Learn More

California Capital Access Program – The California Capital Access Program encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. Learn More

Industrial Development Bonds - Industrial Development Bonds provide financing for the acquisition, construction, rehabilitation and equipping of manufacturing and processing facilities for private companies. These bonds are issued by the California Infrastructure and Economic Development Bank, the State Treasurer’s Office, local Industrial Development Authorities, or by Joint Powers Authorities.

State and federal programs can help your business obtain the financing and technical assistance you need to export your products.

Export Financing Program – The Infrastructure and Economic Development Bank’s (IBank) Export Financing Program helps provide loans to small businesses that sell goods in other countries through the Small Business Loan Guarantee Program. Learn More

Export-Import Bank - The Export-Import Bank is the official export credit agency of the United States. Its mission is to ensure that U.S. companies — large and small — have access to the financing they need to turn export opportunities into sales. Learn More

California State Trade and Export Promotion - The California State Trade and Export Promotion (California STEP) project leverages a statewide network of state, federal, private and non-profit trade promotion organizations to facilitate export promotion, activities, serving targeted industries, to drive exports for small businesses. Learn More

Small Business Administration Export Loans - The Small Business Administration provides a variety of loan programs specifically designed to help develop or expand export activities. Learn More

California offers multiple financing programs to help businesses implement energy efficiency upgrades or obtain financing for “green” business products.

California Infrastructure and Economic Development Bank (IBank) Financing - The IBank established the California Lending for Energy and Environmental Needs (CLEEN) Center to offer financing that helps achieve the State’s greenhouse gas reduction goals and increase market confidence in green investing. Learn More

California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA) - The California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA) works collaboratively with public and private partners to provide innovative and effective financing solutions for California’s industries, assisting in reducing the State’s greenhouse gas emissions by increasing the development and deployment of renewable energy sources, energy efficiency, and advanced transportation and manufacturing technologies to reduce air pollution, conserve energy, and promote economic development and jobs. Learn More

Pollution Control Tax-Exempt Bond Financing Program - provides private activity tax-exempt bond financing to California businesses for the acquisition, construction, or installation of qualified pollution control, waste disposal, waste recovery facilities, and the acquisition and installation of new equipment. Learn More

COOL California Funding Wizard - The COOL California Funding Wizard can help you find grants related to energy efficiency upgrades and rebates, with a particular emphasis on sustainable and environmentally-friendly business practices. Learn More

US Small Business Administration (SBA)

  - The SBA helps Americans start, build and grow businesses through a number of financial programs.  While SBA itself does not make loans, it provides guarantees on loans from private and other lending institutions.  To learn more about applying for a guaranteed loan, visit the SBA or contact district office office near you. 

United States Department of Agriculture (USDA) Rural Development - The USDA provides funding opportunities for rural small businesses through loans, loan guarantees, and grants.  Learn More

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About Us

The Governor’s Office of Business and Economic Development (GO-Biz) was created by Governor Edmund G. Brown Jr. to serve as California’s single point of contact for economic development and job creation efforts.  GO-Biz partnered with the State's Information Technology Leadership Academy 22 to create this website.