San Joaquin Delta College SBDCServing San Joaquin, Amador, Alpine and Calaveras Counties

Business Financing

Many businesses seek financing before drafting their plan or financial statements. In most cases, the financing representative will seek additional information. At the SBDC, we encourage you to prepare the plan prior to presenting your request for funding. Through confidential SBDC consulting, you will prepare a plan that supports the funding you are requesting and will support how you will repay your loan. Additionally, the SBDC will help you determine the sources of funding that may meet your needs. Call the SBDC at 209-954-5089 to make an appointment to discuss your funding needs. All of our services are confidential.

Sufficient capital is essential for start-up and expansion of a business. In fact, inadequate financing is one of the major causes of business failure. When starting a business, it is good to have at least a 12-month financial cushion so you can handle all of your expenses without using revenue from the business. This will allow you to minimize your risks while establishing your business.

Funding Sources

As a partner in the following programs, the SBDC is your first point of contact for information and assistance in seeking financing.

U.S. Small Business Administration (SBA)

The SBA offers a variety of loan programs to eligible small businesses. Most of the loans are made by private lenders and then guaranteed by the SBA. While it is not necessarily easier to be approved, the guarantee will allow you to obtain a loan with a longer maturity and reasonable terms and interest rates, thereby reducing your payments and initial loan burden. Loan programs include the 7(a) program typically used for a variety of loan purposes, and the 504 program which is specifically for the purchase of real estate or major equipment. Contact the SBDC for further information and help in finding SBA lenders, 209-954-5089.

San Joaquin County Revolving Loan Fund (RLF)

The RLF offers "gap" financing assistance to business owners or entrepreneurs in San Joaquin County for working capital, equipment, leasehold improvements, and purchase of land and buildings to be used by the business. Loans range from $25,001-$1 million.

Business Incubator Loan (BIL) Program 

Existing or prospective small business owners can apply for funding of $5,000 to $25,000 through a second RLF fund. This loan must be repaid within five years and can be used for machinery/equipment, inventory, leasehold improvements, and working capital.  In order to be eligible your business must be located in San Joaquin County and must submit an SBDC-certified Business Plan. Contact the SBDC for further information, 209-954-5089.

Small Cap Loan Program 

Existing or prospective small business owners can apply for funding from $25,000 up to $100,000 through a third RLF fund. In order to be eligible your business must be located in San Joaquin County. Contact the SBDC for further information, 209-954-5089.

City of Stockton Small Business Micro Loan Program

The Small Business Micro Loan Program assists Stockton businesses with financing needs through loans up to $30,000 which can be used for operating capital (including permit and license fees), furniture, fixtures and equipment, rehabilitation, and manufacturing equipment. Contact the SBDC for further information, 209-954-5089.

Downtown Stockton Enterprise Loan Fund Loan Fund (DSELF)

DSELF assists current and prospective downtown Stockton, California business owners with financing to support their current business or start a new business through loans from $5,000 - $50,000. Loan proceeds may be used for tenant improvements, operating capital, inventory, product development, marketing and signage, or startup costs. Contact the SBDC for further information, 209-954-5089.

Your bank

The bank with which you have a good relationship is a possible funding source.

Alternative funding sources

The SBDC can also help you identify and pursue other sources of financing, including other micro loans, other alternative business lenders, private lenders or investors, angel investors, etc. Let us help you identify and pursue the source(s) that is the best fit for your circumstances.

Call 209-954-5089 for more information and assistance in seeking financing for your existing or proposed business.

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Funded in part through a cooperative agreement with the U.S. Small Business Administration. All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA or HSU Sponsored Programs Foundation.