Lending to Small Businesses in California


 Main Street Launch provides loans to businesses throughout the state of California through our SBA Community Advantage program.

Our Services

Community Advantage loans:
  • Amount: up to $350,000
  • Maximum interest rate: up to WSJ Prime + 6% (variable)
  • Terms: up to 10 years
  • No application fee
  • No prepayment penalties
  • SBA guaranty fee currently waived—a savings of $7,875 on a $350,000 loan!
  • Closing fees: 2% loan fee (capped at $3,500) and due diligence fees
  • Equity injection: 10% for all businesses
Use the loan to:
  • Buy furniture, fixtures, and equipment
  • Purchase inventory and supplies
  • Hire employees and cover payroll costs
  • Pay rent, utilities, and other operating expenses
  • Refinance high-interest business debt
  • New or existing for-profit businesses located in California
  • At least 51% owned by a US citizen or permanent resident
  • Must be able to demonstrate current and future debt service based on historical and/or projected revenue


Education & Relationships

We connect our clients to a network of people and resources, including financial and business support services.


For more information about our lending services, please contact our office at 510.830.3275 or complete our loan inquiry form and a member of our team will contact you.

Resources For Your New or Existing Business


SCORE mentors know what it’s like to be a small business owner. Their community of experienced entrepreneurs, corporate managers, and executives is eager to help you start and grow your business. Find out how you can get matched with a mentor for your business.


Small Business Development Centers (SBDCs) provide counseling and training to small businesses including working with the SBA to develop and provide informational tools to support business start-ups and existing business expansion. Learn more about the services they provide and where to find assistance in your area.

Employment Development Department

The Employment Development Department provides employer resources such as information on payroll taxes, hiring and training employees, and state disability insurance. Learn more about the services they provide here.

Additional Resources

Call Us Today to Learn More About How We Can Help Your Business Grow: 510-830-3275