Revolving Loan Fund offered to tenants of San Joaquin Business Parks and Industrial Parks

San Joaquin County Business Financing

Business Finance Services offers technical assistance to businesses located in or expanding to San Joaquin County that create or retain jobs. The professional staff works with local lenders, the Small Business Administration (SBA), the Tracy/San Joaquin County Certified Development Corporation and the County’s Revolving Loan Fund (RLF) to select the best source for financing. Loans may be arranged for the startup, retention or expansion of business activities in San Joaquin County.

Revolving Loan Fund logo Revolving Loan Fund
Services offered through the San Joaquin WorkNet’s Business Finance Services Division are available to any company located in, or considering expansion in, San Joaquin County and are intended to create or retain jobs

Businesses located in the Enterprise Zone may qualify for discounted interest rates and fee waivers. More than $37 million in loans have been delivered by the Business Finance Services division. Financing may be provided for:

  • Acquisition of owner occupied land & facilities
  • Acquisition of Machinery and Equipment
  • Leasehold Improvements
  • Inventory and Working Capitol

Contact: Revolving Loan Fund Manager
(209) 468-3615 or e-mail at

Type of Loan RLF Loan Financing
Targeted Customer:
For startup, gap financing, expansion or location of businesses in San Joaquin County.
Use of Funds:
Acquisition of owner occupied land and facilities, building construction or remodeling, purchase of equipment, furniture, and fixtures, leasehold improvements, working capital needs, and/or inventory.
Direct loan to individuals.
1 job created for every $20,000 loaned, however, each loan request is considered individually, targeted private/RLF financing ratio is 2:1, and ability to repay the loan.
Terms and Interest Rate:
15 years maximum term, and generally not exceeding the full useful life of the assets being financed; minimum interest rate is 5%, however, it is set by the RLF Administrative Board at time of commitment, generally based on the West Coast Low Prime lending rate plus up to 4%. Loans are targeted from $25,000 – $150,000. Maximum RLF loan is $1.5 million.
Enterprise Zone Benefits:
All loan packaging fees will be waived, and 1/2% may be discounted from the interest rate.

For site selection in San Joaquin County see:

San Joaquin Partnership
San Joaquin County (Stockton-Lodi MSA), California

The San Joaquin Partnership is a non-profit, private-public economic development corporation assisting business and industry to locate into San Joaquin County, California, including the Cities of Escalon, Lathrop, Lodi, Manteca, Ripon, Stockton and Tracy.  Location and expansion services are provided directly to the company and/or indirectly to their site consultant or real estate brokerage representatives.

Leave a Reply

You must be logged in to post a comment.