Industrial Development Bonds

Industrial Development Bonds (IDBs) are tax-exempt securities issued up to $10 million by a governmental entity to provide money for the acquisition, construction, rehabilitation and equipping of manufacturing and processing facilities for private companies.

SBA 504 Loans

SBA (Small Business Administration +Corporations (CDC). Through the SBA 504 program, CDCs provide up to 90% of fixed-asset financing costs. The second mortgage, long-term, fixed-rate financing nature of the program allows banks to participate in business expansion by reducing risk exposure.

Brownfields Revolving Loan Fund Program
This program provides low-interest rate loans between $200,000 and $900,000 for financing cleanup activities of sites by eligible public or private property owners, including government agencies, private property owners as well as non-profit organizations.

California Capital Access Program
This program encourages lenders to make loans to small businesses that may have difficulty obtaining capital. These credit enhancement mechanisms minimize the credit risk for lenders, and make it possible for new and existing businesses in California to qualify for small business loans.

California Infrastructure and Economic Development Bank (IBank) CLEEN Center 
The IBank established the California Lending for Energy and Environmental Needs (CLEEN) Center to offer financing to public agencies and non-profit corporations to help achieve the State’s greenhouse gas reduction goals and increase market confidence in green investing.

California Infrastructure and Economic Development Bank Export Financing Program
This program helps provide loans to small businesses that sell goods in other countries through the Small Business Loan Guarantee Program.

Export-Import Bank
This 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.

JumpStart Loan Guarantee Program
The program provides microloans for low-wealth entrepreneurs located in a low wealth community or disaster area.

Providing Loan Assistance for California Equipment (PLACE) Program
The California Air Resources Board offers financing opportunities for off-road vehicles, fleet vehicles, and equipment used in freight movement.

Recycling Market Development Zone Loan Program
This program provides attractive loans, technical assistance, and free product marketing to businesses that use materials from the waste stream to manufacture their products and are located in a zone.

Small Business Loan Guarantee Program
This program provides “access to capital” that may not have been available to growing businesses without this guarantee. The guarantee minimizes the credit risk for lenders, and makes it possible for new and existing businesses in California to qualify for small business loans.

New Market Tax Credit

The NMTC Program helps businesses with access to financing that is flexible and affordable. Terms can include lower interest rates, flexible provisions such as subordinated debt, lower origination fees, higher loan-to-values, lower debt coverage ratios and longer maturities.