Financial Resources

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Quick Resources & News

  • City of Sacramento Small Business Recovery Program
  • SMUD COVID-19 Nonprofit Micro-loan Program
    Up to $10k loan at 2% interest available to non-profits within SMUD’s service area. Microloan applications can be submitted July 17 – December 31, 2020.
  • IBank: Small Business Disaster Relief Loans are available through California Infrastructure and Economic Development Bank or IBank. These loans are only available to those that did not receive a PPP or EIDL loan from the SBA. This disaster program provides guarantees for loans of up to $50,000 for small business borrowers and nonprofits, with low interest rates and 7-year terms. Apply directly with local lenders including California Capital Financial Development Corporation
  • SBA Loans for California Small Businesses Impacted by Civil Unrest
    The SBA now offerslow-interest federal disaster loans for working capital to small businesses economically impacted by civil unrest that began May 26, 2020.
  • SBA Emergency Loans: Economic Injury Disaster Loan (EIDL), guidance for businesses and employers, government contracting, and local assistance information is available from the US Small Business Administration.
    (Live agent to guide you through the process 1-800-659-2955)
    NOTE: SBA has opened its Economic Injury Disaster Loan (EIDL) and EIDL Advance application portal to agricultural businesses. At this time, only agricultural business applications will be accepted due to funding availability and the unprecedented submission of applications already received. If you previously applied for EIDL assistance for your agricultural operation, you do not need to reapply. SBA is continuing to process all the existing EIDL applications on hand that were submitted through April 15.
    Agricultural businesses includes those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).
    Agricultural businesses with 500 or fewer employees.
  • CARES Act: A guide to the legislation’s provisions impacting small businesses.
  • The Paycheck Protection Program launched on Friday, April 3.  Businesses can go to a participating SBA 7(a) lender, bank, or credit union, to apply for a loan; expedited approval for these loans will also take place. A sample application is available below so you can prepare before contacting a lender. Learn more on this and other funding resources for employers.
    • Sample PPP application from the SBA
    • US Treasury Overview 1-sheet on PPP
    • US Chamber of Commerce PPP Guide & Checklist for Small BusinessesAs of June 5, the President signed an amendment to the CARES Act that changes the terms of the PPP loans for the better. This includes:• Extends the period that recipients have to use the loan from eight weeks to 24 weeks.
      • Reduces the percentage of a forgivable loan that must be put toward payroll to 60 percent from 75 percent. The other 40 percent of the loan can be used on things like mortgage interest, utilities and rent.
      • Extends the amount of time small businesses have to pay back loans from two years to five, if they don’t qualify to have the loan forgiven.
      Language of the bill is HERE.

Local Lenders

Golden 1 Credit Union is committed to the well-being of our members, employees, and community. For over 85 years, Golden 1 has been and continues to be a strong and stable credit union. We take our role seriously as your financial institution and in helping you, your loved ones, and our community get through these uncertain times.


Golden Pacific Bank is taking immediate steps to respond to the needs of individual and small business customers directly affected, while continuing to execute our own business continuity plans under challenging conditions. 


SAFE Credit Union offers complete banking services for local businesses, including commercial lending, credit cards, and money market accounts. SAFE is also a Preferred SBA lender and among the top recognized credit union lenders in the Sacramento District of the U.S. Small Business Administration.


Wells Fargo provides PPP loan relief, payment & deferment programs, as well as donations to business communities/ vulnerable populations.

Federal Assistance

State of California Assistance

Other Publicly Funded Financial Resources

  • Yolo County COVID-19 Rental Assistance Program
    Funds will be awarded to rental households, on a first-come, first-served basis upon receipt of a complete application. Once funds run out, the program will close. Eligible tenants may submit applications beginning October 16, 2020.
  • The Republic Kickstart Grant Program
    Republic FC and Suncrest Bank have partnered with the Sacramento Black Chamber of Commerce to create a grant program to provide support to small businesses facing economic challenges.
  • City of Sacramento CORE Program
    The City of Sacramento will receive $3.83 million in grant funds from the Governor’s Office of Business and Economic Development (Go-Biz) through the Cannabis Equity Grants Program for Local Jurisdictions. Click the link above for the latest news and updates.
  • Donate4Sacramento
    Public, private, labor and nonprofit leaders throughout the Sacramento region have joined forces to raise both awareness of what we as a community are confronting and resources that will be dedicated to help vulnerable populations and small businesses.
  • Fork 2 Farm Relief Fund
    These grants are intended for restaurants and agricultural related vendors who seek to alleviate their debt in due and overdue invoices.
  • SMUD COVID-19 Nonprofit Micro-loan Program
    Up to $10k loan at 2% interest available to non-profits within SMUD’s service area. Microloan applications can be submitted July 17 – December 31, 2020.

Privately Funded Financial Resources