Local Small Business Loan and Grant Programs


In addition to federal and state programs, many local governments are developing local grant and loan programs to support small businesses in their community.

  • El Centro Micro Loans:  The City of El Centro is providing low-interest loans up to $10,000 through a new Coronavirus Microenterprise Loan Program, which utilizes Community Development Block Grant funds. 

  • Elk Grove and Rancho Cordova Program:  The Cities of Elk Grove and Rancho Cordova are participating in the Lift Investing Emergency Investment and Relief Program, which provides low-interest loans to local businesses adversely affected by COVID-19.  The program is capitalized with $2.5 million.

  • Fresno Save Our Small Businesses Grants: Now Round 2 of the Save Our Small Businesses program will provide an additional $2 million in emergency relief funds to small businesses operating in the City of Fresno that has been negatively impacted by the COVID-19 public health emergency.

  • Kern Recovers: The Kern Recovers Program, a forgivable loan program, provides $25 million in forgivable loans of up to $75,000 each to local small businesses like restaurants, gyms, and salons to directly mitigate the economic impacts of COVID-19.

  • Los Angeles City and County Grants:  The County and City of Los Angeles has partnered with LA LISC and other philanthropic partners to launch the LA COVID-19 Regional Recovery Fund. The regional Fund, administered by LA LISC, will catalyze a new wave of relief and recovery tools for small businesses, non-profits providing essential services, and immigrant-owned enterprises.  The first phase of the program includes a $3 million grant fund for microenterprises, small businesses and nonprofits.  

  • Los Angeles Small Business Stabilization Loan Program:   The Los Angeles County Development Authority (LACDA) is launching its Small Business Stabilization Loan Program on January 28, 2021. https://bizstabilization.lacda.org/?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=   Capitalization for the loan program is made possible through a $10 million business recovery assistance fund issued by the U.S. Economic Development Administration.  The Program will provide flexible and affordable capital to small businesses countywide.

  • Riverside County Grants:  The Riverside County COVID-19 Business Assistance Grant Program is accepting applications through June 19, 2020, at 6:00 pm (PST).  This is the application period for for-profit businesses.  The eligibility period for grant funding for non-profits will open July 1st. View eligibility and details here: English | Spanish

  • Sacramento Forgivable Loan Program:  The City of Sacramento is sponsoring the Small Business Recovery Program, which will provide up to $25,000 in forgivable loans and technical assistance to businesses and non-profits located in the city boundaries.  Applications are being accepted June 29 through July 13, 2020.

  • Sacramento Creative Economy Recovery Grants:  The City of Sacramento is administering a $7.5 million Creative Economy Recovery programs to assist the City's arts, creative economy, and tourism sectors. Eligible applicants include individual artists, arts and cultural nonprofits, and creative businesses.  Grant applications are being accepted July 8, 2020 through July 22, 2020.

  • Santa Ana Microenterprise Grant:  The City of Santa Ana is administering a microenterprise grant program that provides up to $5,000 for commercial and industrial businesses and $2,500 for home based businesses.  To join the wait list, businesses with less than five employees must complete a pre-eligibility form.

Databases of Grants

In addition, the California State Treasurer is maintaining a list of financial resources for small businesses through a GoogleDoc.  As of June 4, 2020, there were over 20 loan and grant programs listed under the categories of nonprofits and private.

Small Business Majority is also hosting and updating a list of loans and grants available to small businesses in California.

The JEDE Committee is interested in highlighting other local financial programs for small businesses.  Please send recommendations for this webpage to ajed@asm.ca.gov.


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