Skip to main content
TechEMPOWER.org

California Small Business Loan Guarantee Program — IBank

Phone number
none
Category
Small Business
Money
Auto tags
Eligibility
California small businesses with 1–750 employees that have trouble getting a loan; credit decisions follow the lender's criteria; citizenship or immigration status is not considered
Auto Summary
California's Infrastructure and Economic Development Bank (IBank) guarantees part of a small business loan so a bank or lender is more willing to say yes to a business that has trouble getting credit. Open to businesses with 1–750 employees; citizenship or immigration status is not considered. One of seven Financial Development Corporations (FDCs) around the state processes the guarantee and offers technical help. IBank also runs a Disaster Relief Loan Guarantee and a Jump Start Loan. Verified 2026-09-28.
Value
Espanol
Programa de Garantía de Préstamos para Pequeñas Empresas de California — IBank
URL
ibank.ca.gov/small-b...rantees/
Last verified 2026-09-28.
IBank, the State of California's Infrastructure and Economic Development Bank, backs part of a small business loan. This makes a lender more willing to lend to a business that has had trouble getting credit. Source: IBank Loan Guarantees (accessed 2026-09-28)

Who it's for

  • California small businesses with 1–750 employees.
  • The lender sets the credit requirements.
  • IBank does not consider citizenship or immigration status, as long as the business meets the other criteria.
  • Trucking owner-operators are eligible if they are registered as a legal business entity.

How it works

  1. You apply for a loan with a participating lender.
  1. One of IBank's seven Financial Development Corporations (FDCs) processes the guarantee. The FDCs also give technical help.
  1. IBank also runs the California Small Business Disaster Relief Loan Guarantee Program and the Jump Start Loan Program.

Get free help first

The Sierra SBDC can help you get loan-ready at no cost.

Sources