State Small Business Credit Initiative (SSBCI)
The State Small Business Credit Initiative (SSBCI) is a federal program designed to help small businesses access the funding they need to grow and create jobs. Originally established under the Small Business Jobs Act of 2010 and expanded by the American Rescue Plan Act of 2021, SSBCI provides billions in funding to support entrepreneurship and increase access to capital—especially for underserved communities. In California, SSBCI programs are administered by state agencies including the California Infrastructure and Economic Development Bank (IBank) and the California Pollution Control Financing Authority.
SBA loans, commercial real estate, and investment solutions
American Lending Center California helps business owners and entrepreneurs access the capital they need through SBA loans and commercial real estate financing. We connect you with vetted lenders and guide you through each step of the application process.
Eligible SSBCI Programs
SSBCI funds support a variety of financing programs to help small businesses access capital more easily. In California, these include Capital Access and Collateral Support programs through the California Pollution Control Financing Authority, as well as Loan Guarantee and Venture Capital programs administered by IBank, along with Loan Participation options.
SBA 504
The SBA 504 Loan Program provides long-term, fixed-rate financing to help small businesses purchase or upgrade real estate and equipment. Designed to support growth and job creation, it is delivered through SBA-certified partners (CDCs) across the U.S.
SBA 7(a)
The SBA 7(a) Loan Program offers flexible financing for small businesses, covering needs such as real estate, working capital, equipment, debt refinancing, and ownership changes. With loan amounts up to $5 million, it is designed to support a wide range of business goals, with lenders helping you choose the best option for your needs.
PACE
PACE (Property Assessed Clean Energy) is a financing program that helps commercial property owners fund energy-efficient and sustainable building improvements. It offers long-term, fixed-rate financing, repaid through property assessments—allowing costs to be spread over time while maintaining cash flow.