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Sacramento Hispanic Chamber of Commerce
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Business Loans

SHCC Micro Loan Program

SHCC Member Micro Loan Program designed to help you grow your small business

State Guarantee Loan Program

Loans to assist small businesses that cannot qualify for bank loans or lines of credit

SBA - The Surety Bond Guarantee Program

SBA Loan Guaranty Programs

SBA Financial Assistance

SBA financial assistance programs for small businesses

SBA program - arc loans

Frequently asked questions for borrowers




SHCC Micro Loan Program

Our exciting Micro Loan Program is designed to help you grow your small business. This service is available to all SHCC members.

The Micro Loan Program is available to all members, with loans ranging from $5,000-$35,000. at 9.5%.

If you have challenging credit or no credit, the Micro Loan Program is your answer. Approved loans applied by Members of the Sacramento Hispanic Chamber will get a discount on their loan fees.

“The Micro Loan of the Hispanic Chamber of Commerce is one of the best resources that the Chamber provides during these difficult times. As a small business owner it will be impossible to keep the doors of my business open without the Micro Loan from the Hispanic Chamber of Commerce.”

Hector M. de Avila Gonzalez, FLC (Mexico)

Threshold Eligibility Requirements:

Fill out your application today!

Please print out the below application and fax it to us at 916.486.7728.

English Loan Application
Spanish Loan Application

Make sure to mention that you are a SHCC member!



Calif Capital Finance

California Small Business Loan Guarantee program

This state program, offered by the California Technology, Trade and Commerce Agency, assists small businesses that cannot qualify for bank loans or lines of credit under reasonable terms and conditions. Guarantees up to 90 percent of the amount, not to exceed $350,000, are available to near bankable small businesses that can show they can repay. With a state guarantee, lenders often provide loans to these businesses.

California Capital Financial Development Corporation,
which issues the guarantees on behalf of the state at (916) 442-1729




SBA - The Surety Bond Guarantee Program

Although it is not a business loan program, the Surety Bond Guarantee Program is a public-private partnership between the federal government and the surety industry providing small business with the bonding assistance necessary for them to compete for government and private contracting opportunities. The guarantee provides the necessary incentives for sureties to bond small businesses that would otherwise be unable to obtain bonding. Through this program, the SBA (Small Business Administration) guarantees bid, payment and performance bonds issued by the surety companies for individual contacts up to $2 million on behalf of the small business owner.

For more information, visit www.sba.gov and choose services and click on Surety Bonds. Local offices in Sacramento to contact: American Contractors Indemnity, Lesron Insurance Agency and Valley Surety Insurance Agency.





SBA Financial Assistance

SBA provides a number of financial assistance programs for small businesses including 7(a), 504 and disaster assistance loans. Within this section, we’ll review eligibility requirements, SBA’s loan programs, surety bonds and the role of SBA, equity capital topics, special purpose loans, SBA partner topics and 7(a) lender programs. Though the SBA does not provide grants to help you start a business, included is information on organizations and sites that can assist you in locating special purpose grants.

FREE Online Course: Finance Primer: Guide to SBA's Loan Guaranty Programs



The America’s Recovery Capital, or ARC, loan program is designed to give viable small businesses
suffering immediate financial hardship some temporary financial relief so they can keep their doors open
and get their cash flow back on track.

For answers to your Frequently Asked Questions, click here.