Financing

Here at the Benicia Office of Economic Development, we are happy to help you find financing resources to help you move your business forward and encourage you to contact us. Below we have provided a list of programs and services currently available. 


Community Vision Capital & Consulting

Community Vision primarily finances real estate projects for nonprofits, such as community facilities and affordable housing. Loans, typically ranging from $250,000 to over $5 million, can take the form of bridge loans (short-term), real estate loans, and general working capital.

CONTACT: communityvisionca.org


First Northern Bank

First Northern Bank offers both SBA 7(a) loans and SBA 504 loans for business expansion, purchase equipment, and a term loan featuring competitive rates and flexible terms.

CONTACT: www.thatsmybank.com | 707.678.7742


Bay Area Development Company

Bay Area Development Company, located in Concord, offers fixed rate financing. SBA 504 loans have 20 year fixed interest rates, helping you lock in your occupancy costs for a generation.

CONTACT: www.baydevco.com | 925.472.5603


Nor-Cal FDC

As part of California GO-Biz and the California I-Bank network, Nor-Cal FDC offers a state loan guarantee up to $5 million for small and medium-sized businesses. Additionally, loans are available for disaster relief and removing, replacing or upgrading underground tanks.

CONTACT: nor-calfdc.org


U.S. Small Business Administration

The SBA (Small Business Administration) located in San Francisco offers a variety of loan programs for a variety of specific purposes. 

  • SBA &(7a) Loan Program: SBA guarantees financing for general business purposes through lending institutions for the purchase of real estate or equipment, or the construction/renovation of new or existing buildings.

  • Microloan Program: SBA's Microloan program provides small, short-term loans to small business concerns and certain types of not-for-profit child-care centers.

  • SBA 504 Loan Program Certified Development Company (CDC) 504 Loan: SBA's 504 Loan Program offers long-term, fixed rate loan for major assets up to $5 million. For uses such as the purchase of land or the construction of new facilities.

CONTACT: www.sba.gov | 415.744.6820