AmPac Community
Lending Programs
Helping Small Businesses Thrive Through City and County Partnerships
What Are AmPac’s Community Lending Programs?
Helping Small Businesses and Entrepreneurs Start, Grow, and Succeed
AmPac’s Community Lending Programs offer loans ranging from $5,000 to $350,000 to help small businesses launch or grow.
As a Certified Development Company (CDC) and Community Development Financial Institution (CDFI), AmPac is your dedicated partner in delivering Micro-Loan programs to support your success.
7a Community Advantage Loan Program
What is an SBA 7a loan?
The SBA 7a Community Advantage loan is an AmPac direct loan with an SBA backed guarantee. The program supports small business growth, job creation, and economic development by making capital more accessible to eligible businesses that might not qualify for traditional financing.
Loan Terms:
- Loan amounts up to $350,000
- Low equity injection – as little as 10%
- No prepayment penalty on non-real estate loans
- Flexible terms:
- 10 years for general working capital
- Up to 25 years for owner-occupied commercial real estate
Loan Uses:
- Working Capital
- Business Acquisition
- Partner Buyout
- Equipment & Inventory Purchases
- Commercial Real Estate Purchase
- Debt Refinancing & More!
Is My Business Eligible?
- Business must be a for-profit entity in the United States
- Applicant Business must be 100% owned by a U.S. citizen or legal permanent resident
- Have a tangible business net worth of $20 million or less
- Have an average net income of $6.5 million or less (after federal income taxes) over the past two years
- Cannot have defaulted on a federal loan or be involved in political, lobbying, gambling, speculative, or passive income activities
- Completed business plan
- Show historical cash flow or financial projections proving the ability to repay
- Credit profile will be considered
SBA Microloan Program
What is an SBA Microloan?
The AmPac SBA Microloan program offers small businesses, startups, and nonprofit childcare centers in California access to affordable, short-term financing designed to support growth and stability. This program offers smaller loan amounts with fixed interest rates and flexible repayment terms, making it an excellent option for startups and emerging businesses seeking working capital to fund essential purchases to launch or expand operations.
Loan Terms:
- Loan amounts up to $50,000
- Fixed interest rate of 7%
- Repayment terms up to 7 years
- No prepayment penalty
- Debt refinancing is not allowed
Loan Uses:
- Working capital to cover daily business expenses
- Purchasing inventory and supplies
- Buying furniture, fixtures, and equipment
Is My Business Eligible?
- Business must be a for-profit entity in the United States
- Applicant Business must be 100% owned by a U.S. citizen or legal permanent resident
- Have a tangible business net worth of $20 million or less
- Have an average net income of $6.5 million or less (after federal income taxes) over the past two years
- Cannot have defaulted on a federal loan or be involved in political, lobbying, gambling, speculative, or passive income activities
- Completed business plan
- Show historical cash flow or financial projections proving the ability to repay
- Credit profile will be considered
- Business and property located in California only
AmPac’s Exclusive Down Payment Assistance Program?
What is AmPac’s Exclusive Down Payment Assistance Program?
With the investment of a social impact partner committed to creating economic parity and wealth creation in underserved communities, the purpose of this program is to provide down payment assistance in the form of liquidity replacement for Black, Latino, and women-led businesses throughout the State of California. The program aims to make owner-occupied commercial real estate ownership possible by utilizing SBA 504 or 7a loans through AmPac.
Benefits:
- Up to one-half of the down payment, not to exceed $100,000
- No payment for the first 12 months of the DPA loan*
- Fixed interest repayment
- 10-year amortization, due in 5 years*Interest payments will accrue, and the first payment will be in month 13
Is My Business Eligible?
- Must utilize the SBA 504 or 7a Community Advantage loan program offered by AmPac to finance the purchase of commercial real estate only.
- Be a 51% owner in the targeted communities noted
- Business and property must be located in California
- Must occupy a minimum of 51% of the property
AmPac’s Exclusive First-Time Buyer Program
What is AmPac’s Exclusive First-Time Buyer Program?
This AmPac exclusive program provides down payment assistance in the form of liquidity replacement to small business owners purchasing their first commercial real estate property to be occupied by their business. The program aims to make commercial real estate ownership accessible by utilizing SBA 504 or 7a loans through AmPac.
Benefits:
- Up to one-half of the down payment, not to exceed $100,000
- Fixed interest repayment
- 10-year amortization, due in 5 years
Is My Business Eligible?
- Must utilize the SBA 504 or 7a Community Advantage loan program offered by AmPac to finance the purchase of commercial real estate only.
- It must be the first commercial real estate property owned by the applicant’s business.
- Must occupy a minimum of 51% of the property.
- Business and property must be located in California.
- Must demonstrate need for liquidity replacement (have less than six months of operating expenses liquidity after the down payment) OR
- Property must be in a low-moderate income community, HUBZone, Opportunity Zone, or Persistent Property area verified by Census Data.
Programs in Partnership with Local Cities and Counties:
County of Riverside Microloan Program
In partnership with the County of Riverside and AmPac Business Capital
A reflection of Riverside’s “Business First” philosophy, the Riverside Micro-Loan Program is designed to help local small business owners build, maintain, and grow their businesses in Riverside, CA.
Loan Details:
- Up to $50,000
- Interest Rate: 5% fixed
- Term: 5 years (60 months)
- No prepayment penalty
Loan Uses:
- Working capital
- Business expansion
- Inventory
- Credit Consolidation
- Export financing
- Cosmetic Renovations only (No tenant improvements)
Is My Business Eligible?
- Business must be located in the county of Riverside
- The business must have operated for a minimum of 2 years
- Must be paired with an AmPac loan
Fontana EmPOWERment Fund
In partnership with the City of Fontana and AmPac Business Capital
On April 2, 2024, the Fontana City Council approved a revolving loan fund aimed at supporting the vitality of Fontana’s business community. This fund offers businesses an alternative to traditional loans, credit cards, or high-interest debt financing. It provides Fontana-based businesses, as well as those considering relocating to Fontana, with the opportunity to apply for financial support.
Loan Details:
- Up to $50,000
- Interest Rate: 6.5% fixed
- Term: 5 years (60 months)
- The loan origination fee is covered by the city
- No prepayment penalty
Loan Uses:
- Working capital
- Business expansion
- Credit Consolidation
- Inventory
- Construction
- Export financing
Is My Business Eligible?
- Business must be located in or moving to the city of Fontana
- Must be paired with an AmPac loan
- Show historical cash flow or financial projections proving the ability to repay
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Get Started?
Still Not Sure Where to Begin?
Our AmPac Business Champions are ready to help every step of the way.
Whether you have questions or need personalized support, we’re here to guide you through the process. Just reach out, we’ve got you!