Small Business Guarantee Program ¥

PROGRAM CALIFORNIA SMALL BUSINESS The California Small LOAN GUARANTEE PROGRAM Guarantee PURPOSE To encourage banks to make small business Program has a successful that othenwise would not be made. 40 year history. It has Special emphasis is placed on the creation and guaranteed over 30,000 retention of iobs. loans for lending USE OF FUNDS • Working capital institutions to help small • Equipment purchases businesses. • Inventory • Contract financing The California Small • Business expansion Business Loan Guarantee • Lines of Program enables small • Real estate businesses to obtain credit FINANCING Banks will direct loan to borrower. The Financial when it cannot otherwise METHOD Development Corporation will issue state qualify for a loan. The guarantee up to 80% of the loan. program provides a lender QUALIFICATIONS Proceeds must be used for small businesses with necessary security in located in the State of California. Borrower must the form of guarantee. show repayment ability MAXIMUM $2,500,000 for each borrower. The California Small GUARANTEE Business Loan Guarantee AMOUNT Program is housed within MATURITY Maximum of 7 years. the l-Bank which is located RATE Market rate as negotiated by lender and within the Governor's borrower. Office of Business and COLLATERAL Available business and personal assets (machinery, equipment, accounts receivable, Economic Development. inventory and real property). To obtain more information FEES • Up to 2.5% of the guaranteed portion of on this program please the loan contact the nearest • $250 documentation fee Financial Development Corporation listed within this brochure. Small Business Financial Development Corporations

CoUfarniaCapita! Guidelines Financial Oavelopmant Corporation "Capital and Capacity to Serve Communities" Northern California Southern California Region

California Capttal Hancock The Small Business Loan Guarantee Program 1792 Tribute Road, Suite 270 4022 West Olympic Boulevard Sacramento. OA 95815 Los Angeles. CA 90019 helps lenders make loans to borrowers who (916)442-1729 (213) 382-4300 cannot qualify for conventional financing. It Pax:(916) 426-1859 Fax:(213) 382-4732 gives businesses a chance to build good www.cacapitai.org www.hsbfdc.org working relationships with financial SAFE-BIDCO Pacific Coast 1377 Corporate Center Pkwy., Suite A institutions. 3255 Wilshire Boulevard. Suite 1501 Santa Rosa. CA 95407 Los Angeles. CA 90010 (707) 577-8621 (213) 739-2999 What kinds of borrowers are eligible? or (800) 273-8637 Fax;(213) 739-0639 Fax:(707) 577-7348 www.DcrcofD.ora Most small businesses are eligible to www.safe-bidco.com participate in the program including Orange County California Small Business 1913 East Seventeenth Street, corporations, partnerships and sole San Francisco Bay Region Suite 210 proprietorships. It must be a small business Santa Ana. CA 92705 Loan Guarantee Program with no more than 750 employees. Nor-Cal (714) 571-1900 300 Frank H Ogawa Plaza Fax:(714) 571-1905 Suite 208 www.sbfdoc.com What can proceeds be used for? Oakland CA 94612 For any business purpose, including but not (510) 452-1171 California Southern Fax:(510) 452-4405 600 B Street, Suite 2450 limited to start-up costs, working capital, www.nor-calfdc.oro San Diego. CA 92101 business procurement, franchise fees, (619) 232-7771 Central Coast Region Fax:(619) 232-6743 equipment and inventory. Funds can be used www.casouth.com for real estate purposes related to California Coastal California Capitai Financial 221 Main Street, Suite 301 construction, renovation or tenant Salinas, CA 93901 Deveiopment Corporation improvements of an eligible place of business. (831) 424-1099 Fax:(831) 424-1094 www.calcoastal.Qrg 1792 Tribute Road, Suite 270 What type of lenders? Any insured depository institution, insured Central California Region Sacramento, CA 95815 credit union or community development Valley financial institution as defined in Section 103 7035 North Fruit Avenue Fresno. CA 93711 (916)442-1729 of the Riegle Community Development and (559) 438-9680 Regulatory Improvement Act of 1994. Fax:(559) 438-9690 www.vsbdc.com www.cacapital.org How to apply? You can contact the Financial Development Corporation listed in this brochure. If you are 1792 Tribute Road, Suite 270, Sacramento, CA 95815 working with your lender and need help, direct tel: 916.442.1729 fax: 916.426.1859 the lender to a Financial Development Corporation.