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  City of Santa Rosa \\ Business \\ Business Loans


Business Loans

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

Santa Rosa SBA Lenders
Environmentally-Oriented Loans
Equipment Purchase Loans
Loans to Corporations
Real Estate Loans
Other Loans


Santa Rosa SBA Lenders
Bay Sierra Financial - 1410 Neotomas Avenue, Santa Rosa, CA 95405  |  707-568-5895
• Exchange Bank - 545 Fourth Street, Santa Rosa, CA 95401  |  707-524-3000
First Community Bank - 438 First Street, Santa Rosa, CA 95401  |  707-636-9000
First Republic Bank - 640 Third Street, Santa Rosa, CA 95404  |  707-544-8881
SAFE-BIDCO - 1377 Corporate Center Parkway, Suite A, Santa Rosa, CA 95407  |  707-577-8621
Sonoma Bank - 3558 Round Barn Blvd, #300, Santa Rosa, CA 95403  |  707-579-0610
Summit State Bank - 500 Bicentennial Way, Santa Rosa, CA 95403  |  707-568-4912
Chase Bank - 835 Fourth Street, Santa Rosa, CA 95404  |  707-576-3003
Wells Fargo SBA Lending - 200 B Street, Santa Rosa, CA 95401  |  707-371-2982

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Environmentally-Oriented Loans
CALIFORNIA CAPITAL ACCESS PROGRAM (CALCAP)
California Pollution Control Financing Authority
: 916-654-5610
Lenders: Bank of America: 707-542-4433; Wells Fargo: 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: 707-577-8621
http://www.sbaonline.sba.gov
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
: 916-341-6600; Loan Program: 916-341-6530
Website: http://www.ciwmb.ca.gov/rmdz/loans
Allowable uses of funds:  Real property, equipment, leasehold improvements, working capital, land.

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Equipment Purchase Loans
SMALL BUSINESS LOAN 7(a)
Small Business Administration (SBA)
Small Business Development Center at SRJC: 1-888-356-7232
http://www.sba.gov/financing
Allowable uses of funds: Equipment, purchase, working capital and inventory, acquisition, expansion or renovation of owner-occupied commercial real estate.

INDUSTRIAL DEVELOPMENT BONDS
California Statewide Community Development Authority: 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: 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: 707-577-8621
http://sbaonline.sba.gov
Allowable uses of funds: Equipment purchase, working capital, and lines of credit.

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Loans to Corporations
SMALL CORPORATE OFFERING REGISTRATION PROGRAM (SCOR)
California Department of Corporations: 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.

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Real Estate Loans
SBA 504 LOAN
Small Business Administration (SBA)
Small Business Development Center at SRJC: 1-888-346-7232
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: 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.

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Other Loans
(SBA) LOW DOC LOAN
Small Business Administration (SBA)
Small Business Development Center at SRJC: 1-800-346-7232
Allowable uses of funds:  Specific business-related allowable uses.

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

SMALL BUSINESS ADMINISTRATION LOAN
U.S. Small Business Administration (SBA)
SAFE-BIDCO: 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): 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: 415-392-8215
Allowable uses of funds:  Working capital, equipment purchases, leasehold improvements, construction, real property or acquisition of other assets.

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 Business Contacts

Danielle O'Leary Danielle O'Leary
Economic Development Manager
(707) 543-4353
Raissa de la Rosa Raissa de la Rosa
Economic Development & Marketing Coordinator
(707) 543-3059