Business Construction Financing
SBA 504 Loan (U.S. Small Business Administration)
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Up to $5 million for construction and equipment.
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Fixed-rate, long-term financing with as low as 10% down.
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Offered through Certified Development Companies (CDCs).
CDFI Loans (Community Development Financial Institutions)
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Designed to serve underbanked or lower-income entrepreneurs.
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Low-interest and flexible credit terms.
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Great for minority- or women-owned businesses.
SBA Microloan Program
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Up to $50,000 for startups or small business expansion.
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Low interest rates.
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Funds can be used for renovations, furniture, supplies.
Crowdfunding Platforms (Like Honeycomb Credit or Kiva)
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Kiva: 0% interest loans up to $15,000 for small businesses.
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Honeycomb Credit: Local community-backed loans.
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Great for raising funds while also marketing your business.
Local Economic Development Grants or Loans
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Many cities/counties in California offer grants or 0%-interest loans for:
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Storefront improvement
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Façade upgrades
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Energy-efficiency retrofits
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LA City's "BEAR" program or the Orange County Business Retention programs.
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Check out California new 2025 grant and funding for business.
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Business Credit Cards with Intro 0% APR
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Short-term solution with 6–18 months no interest.
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Useful for immediate purchases or bridging cash flow.
Let us help you figure it out!
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