Support For Small Businesses
Explore our Financing Solutions
At Ampac Business Capital, we understand that every small business has unique needs. Whether you’re launching, expanding, or strengthening your operations, we offer customized loan solutions to help you succeed.
Our Loan Programs
SBA 504 Loan
Designed to help businesses grow and create jobs by financing the purchase, improvement, or refinance of owner-occupied commercial real estate and fixed equipment.
Long repayment terms (10, 20, & 25 years)
SBA 7(a) Loan
A flexible option for growing businesses with various financing needs.
Loan amounts up to $350,000
No Prepayment penalty on non-real estate loans
Use for working capital, business acquisition, equipment, and more!
SBA Microloan
Perfect for new and small businesses needing working capital or equipment. Pre-revenue businesses are eligible with a business plan and financial projections. We can help! No pre-payment penalty.
Repayment terms up to 7 years
Low fixed interest rate
Down Payment Assistance Program
Provides down payment assistance in the form of liquidity replacement for Black, Latino, and women-led businesses throughout the State of California.
Up to one-half of the down payment, not to exceed $100,000
Fixed interest repayment
10-year amortization, due in 5 years
First Time Buyer 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.
Up to one-half of the down payment, not to exceed $100,000
Fixed interest repayment
10-year amortization, due in 5 years
Revolving City Loan and Training Programs
Tailored, city-supported loans and hands-on training programs to help small business owners grow, hire, and thrive locally.
Fontana EmPOWERment Loan Fund
City of Ontario Entrepreneurship Incubator
County of Riverside Micro-Loan Program
Why Trust AmPac to Fund
Your Small Business?
AmPac is a 501c3 Mission Based Lender, authorized by the U.S. Small Business Administration as a Certified Development Company (CDC).
AmPac is an official U.S. Treasury-certified Community Development Financial Institution (CDFI) that provides financial services to underserved entrepreneurs who might not qualify for traditional bank loans.
We work side by side with government agencies across California, Arizona, and Nevada—including the Small Business Administration, Veterans Business Outreach Centers, and Economic Development Agencies throughout our service area — to better serve you!
Supporting Your Business Every Step of the Way
At AmPac, we believe every entrepreneur deserves access to the resources they need, no matter how complex their journey.
Starting a business comes with many challenges, especially for first-time entrepreneurs, women, and people of color. That’s why we’re committed to breaking down barriers by providing funding opportunities, educational programs, and hands-on support to help small businesses in underserved communities thrive.
Let’s work together to turn your vision into reality.
At The Heart Of Everything,
We Keep It Simple.
Three steps to put your business first so you can focus on your path to success, while we ensure financial hurdles don’t slow you down.
APPLICATION
AmPac, along with our bank partners (for real estate or equipment loans), meets with the business owner to get to know the business and understand its financing needs, kicking off the process by gathering key financial details.
BUSINESS REVIEW
The business owner completes a financial checklist, providing personal and business tax returns, business plans, projections, and any additional required documents to ensure a thorough review.
CLOSING
Once all company documents are in place, AmPac finalizes the process, closes the deal, and provides the funds for your business needs.
Let’s Get Started!
Need help finding the right loan?
Our experts are here to guide you.