California Rebuilding Fund

Affordable, Long-Term Recovery Loans Open for 2022

Get Help for Your Small Business: Low-interest loans from lenders in your community

The California Rebuilding Fund is a loan program designed to help California’s small businesses access the funding they need, including those located in economically distressed areas of the state. The loans are flexible, transparent and are designed to help businesses access the financing and advisory services they need to get through these challenging times.

Why should I apply?

  • You may qualify for a loan up to $100,000
  • Receive an affordable WSJ Prime Rate* + 1.0% annual percentage rate
    • 0% interest available for eligible SF-based businesses (see loan terms).
  • 60-month (5 year) or 36-month (3 year) loans available
  • Can be used to refinance (see details)
  • Can be used for start-ups (some restrictions apply)
View all loan terms and find out if you are eligible.
*As of September 21 2022, the WSJ Prime Rate is 6.25%.

Apply in three steps:

Complete the easy pre-application

  • Will not affect your credit (This is not a “hard pull”)
  • Need Help?


If you are eligible, you will get matched with one or more community lenders. If you are not eligible at this time, you will receive contact information for an organization that may be able to help you.

Choose your lender

Select the community lender you would like to work with and complete your application.

Help is available in other languages. Learn more.

Please note: This program is not associated with the federal Paycheck Protection Program (PPP) or any other federal Small Business Administration program. The loans are not forgivable in part or whole.

Businesses funded have included:

Fitness Studios

auto-repair shops



clothing stores

jewelry stores

healthcare practices

family-owned restaurants


and more