Cen Cal Business Finance Group

Small Business Financing

Cen Cal Business Finance Group has been a certified development company since 1984 and we specialize in small business loans to help businesses expand and create jobs. Our extensive lending experience and partnership with financial and technical support organizations makes us an ideal commercial finance partner for your business.

Cen Cal Business Finance Group is committed to helping small businesses grow throughout California. In over 25 years, Cen Cal Business Finance Group has provided more than $1.125 billion in SBA 504 loans and other funding, resulting in almost 10,000 new jobs. We partner with private lending institutions, real estate and economic development organizations and communities that consistently choose us for our expertise, reliability, experience and extraordinary service.

Our Mission

Our mission as a local Certified Development Company is to provide fixed-rate SBA 504 Loans for owner-occupied real estate acquisitions and equipment purchases to small and medium sized businesses in Central and Northern California by partnering with banks, private lenders, and credit unions.

Our Loan Products

SBA 504 Loan Program
The SBA 504 Loan Program is designed to help growing businesses get financing so to acquire long-term fixed assets such as land, building, machinery and equipment. Typically, a borrower is required to make a 10 percent down payment on a Small Business Administration loan. Cen Cal will finance no more than 40 percent of the project cost and a third-party lender or bank finances the remaining 50 percent of the loan. These loans can also include the construction, modernizing, renovation or restoring facilities. The SBA requires that the assets purchased with this loan product must be used principally by your business and that they will enable you to create or retain jobs.

Minority SBA Loans
Small business owners contribute significantly to the U.S. economy, and women and minority business owners represent an important segment of these owners. We pride ourselves in serving the diverse population of small business owners in California, including women and minority-owned businesses. Let us connect you with the financing and technical support you need to grow your business.

Revolving Loan Program
The City of Fresno established their Revolving Loan Program to assist businesses located in its Empowerment and Enterprise Zones. Cen Cal Business Finance Group is honored to be the exclusive administrator for this program.

Veterans SBA Loans

The service of veterans has done a tremendous amount for the United States – on our own soil and around the world.  Many veterans continue their contributions to the country by channeling their skills and leadership into entrepreneurial endeavors that help strengthen our economy. Cen Cal Business Finance Group prides itself in working with veteran-owned businesses to access capital through the U.S. Small Business Administration’s 504 Real Estate Advantage Loan Program (504REAL). Qualified business owners can take advantage of a special offer where Cen Cal Business Finance Group will issue a maximum cash rebate of up to $3000 to help offset their 504REAL expenses, including appraisal and environmental reports.  Contact us for qualifications.