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Discover How State-Backed Guarantees Can Transform Your Certified Business
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Disabled Veteran Business Enterprises
Certified Small Businesses
Businesses Working Toward Certification
“If you’re certified in California, this program was built for you.”
Today’s Business Challenges
- Higher Interest Rates
- Skyrocketing Material Costs
- Rising Supplier Expenses
- Growth Limitations
- Insurance & Workers Comp Increases
- Conservative Bank Lending
The Growth Catch-22
You need funding to grow — but can’t get approved without proving growth.
The California State-Backed Guarantee Program
- 80% Loan Guarantee
- 30,000+ Businesses Funded
- Less than 1% Default Rate
- Active Since 1978
This program transforms high-risk applications into bank-approved loans.
Why It Works
The Power of State Backing
- Banks eliminate 80% risk
- You keep your existing bank
- Simple qualification process
Real Results
- Approved after prior rejection
- Competitive rates
- Support through entire process
Testimonials
Frequently Asked Questions
Eligible applicants typically include small to medium-sized businesses operating within California that demonstrate a viable business purpose and the ability to repay the loan. Qualification is subject to lender review and program guidelines.
Processing times vary depending on the completeness of documentation and lender requirements. In most cases, applications are reviewed within a few weeks following submission of all required materials.
No. The consultation is provided at no cost and without obligation. It is intended to assess eligibility and outline potential funding options.
The program may support working capital, equipment purchases, business expansion, commercial real estate, and other qualified business financing needs, subject to lender approval.
Applicants are generally asked to provide financial statements, tax returns, bank statements, identification, and a summary of the intended use of funds. Specific requirements may vary.
Yes. The state-backed guarantee is designed to reduce lender risk and may assist businesses that have experienced difficulty obtaining traditional financing.
No. This is a loan program supported by a state-backed guarantee. All approved financing must be repaid in accordance with agreed terms.
As a DVBE, traditional funding was challenging until we discovered this program. Now we're fulfilling major government contracts.
- John D. Certified DVBE