SBA Microloan Lenders in California (2026 List)
There are 15 SBA-approved microloan intermediaries lending in California. The SBA does not lend directly — it funds these organizations, and each one makes its own loans and its own decisions.
SBA microloans run up to $50,000, with an average around $13,000 and terms up to seven years. They are designed for businesses banks turn down: new companies, thin credit files, and owners who need working capital, equipment or inventory rather than property. Because each intermediary sets its own criteria, it is worth approaching more than one of the California lenders below.
Every lender on this list asks for the same core documents: a written business plan, financial projections, a clear statement of what the money is for, and your credit history. The plan is where most applications stall.
California
North Edge Financing
707 K Street Eureka, CA 95501707-798-6132Working Solutions CDFI
Vermont Slauson LDC, Inc.
1130 West Slauson Avenue Los Angeles, CA 90044vsedc.orgNational Asian American Coalition
IRC’s Center for Economic Opportunity
CDC Small Business Finance Corporation
Valley Small Business Development Corporation
7035 N. Fruit Avenue Fresno, CA 93711559-438-9680Valley Economic Development Center
5121 Van Nuys Blvd. 3rd Floor Van Nuys, CA 91403818-907-9977Southeast Asian Community Center
875 O'Farrell Street San Francisco, CA 94109415-885-2743Pacific Asian Consortium In Employment
1055 Wilshire Blvd. Suite 1475 Los Angeles, CA 90017213-989-3265Opening Doors, Inc.
1111 Howe Ave., Suite 125 Sacramento, CA 95825916-492-2591Main Street Launch
Fresno Community Development Financial Institution
1920 Mariposa Mall, Suite 111 Fresno, CA 93721559-263-1045California Coastal Rural Development Corporation
221 Main Street Suite 300 P.O. Box 479 Salinas, CA 93901831-424-1099AmPac Tri-State CDC, Inc.
The business plan every one of them will ask for
Whichever California lender you approach, the application asks for a business plan with financial projections. We write SBA-ready plans built for microloan applications.
