Government Guaranteed

We Can Help Your Small Business Grow

We offer solutions for small businesses finding it difficult to qualify for conventional financing. 

U.S. Small Business Administration (SBA) Loan Programs

SBA 7(A) Loans

Borrow funds for nearly any business purpose: acquiring a business, expanding/renovating facilities, purchasing equipment, or increasing working capital. Small Business Administration (SBA) 7(a) loans are backed by the government and designed to meet a variety of your small business’ capital needs.

  • The most basic and used SBA business loan
  • Interest rate varies based on loan size, term, and purpose
  • Visit the SBA website for eligibility, terms, and max loan amount
GET STARTED

To apply or for more information, please contact: Gil Espino (619) 656-7108 | email Gil

SBA 504 Loans

Small Business Administration (SBA) 504 loans are backed by the government and designed to provide long-term, fixed-rate financing for major fixed assets, such as buildings and equipment.

  • Down payments as low as 10%
  • Interest rate depends on size, term, and use of proceeds
  • Cannot be used for working capital, inventory, consolidating debt, or repaying debt
  • Visit the Small Business Finance website for eligibility, terms, and max loan amount
GET STARTED

To apply or for more information, please contact: Gil Espino (619) 656-7108 | email Gil

State Guaranteed Loan Program

Cal Southern SBDC Loans

The California Southern Small Business Development Corporation (SBDC) guaranteed loan program is designed to assist local companies with business purchases, equipment financing, accounts receivable financing, etc.

  • Guarantees can be issued on short-term loans, revolving lines of credit, and term loans for asset purchases, purchases of existing business, or for establishing a new business
  • Visit the Cal Southern website for eligibility, terms, and max loan amount
GET STARTED

To apply or for more information, please contact: Gil Espino (619) 656-7108 | email Gil

For all government guaranteed options, the borrower must maintain their primary business deposit relationship with North Island.

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