Financial Resources

In addition to loan and grant programs offered through the City of Stockton, other loan programs are available to businesses interested in locating within the city.  


Property Assessed Clean Energy (PACE) Programs

The City provides programs for property owners to finance the purchase and installation of infrastructure improvements to their properties with no up-front costs for:

  • renewable energy,
  • energy and water efficiency improvements,
  • water conservation upgrades, and/or
  • electric vehicle charging.

Property owners repay the financing through an assessment on their property, collected on their tax bills at the same time and in the same way as property taxes. If the owner sells the property, the repayment obligation remains with the property and does not need to be paid off at the time of escrow closing.

Click on External Links below to learn more about:

  • CaliforniaFIRST
  • Dividend Finance
  • HERO Program
  • Ygrene Energy
  • California Statewide Communities Development Authority (CSCDA)
  • California Municipal Finance Authority (CMFA)


Statewide Community Infrastructure Program (SCIP)

The Statewide Community Infrastructure Program allows property owners to finance development impact fees and public capital improvements through low-cost, long-term, tax-exempt financing. This program frees up capital for other purposes.  

  • Selected public capital improvements and development impact fees to the City will be financed by the issuance of tax-exempt bonds by the California Statewide Communities Development Authority.


San Joaquin Revolving Loan Fund (RLF)

The $10 million San Joaquin County Revolving Loan Fund is administered by San Joaquin County Economic and Employment Development Department (EEDD). RLF offers gap financing assistance to business owners or entrepreneurs in San Joaquin County for working capital, equipment, leasehold improvements, and purchase of land and buildings to be used by the business.

RLF takes a subordinate position to conventional commercial lenders and SBA. RLF also considers loans with limited collateral and will offer terms of debt repayment. The RLF guidelines seek one job created or retained for each $20,000 of RLF dollars loaned.

  • Interest rate deductions are available if applicant is an export business or contracts to hire through the San Joaquin County EEDD.
  • Loans available from $25,000 to $1 million.
  • Flexible repayment terms and no pre-payment penalties.


Small Business Administration - SBA 504 Loans

The Tracy/San Joaquin County Certified Development Corporation (CDC) is the authorized provider of SBA 504 financing in San Joaquin County.  A 504 loan provides long-term, fixed-rate financing at a reasonable interest rate, typically only 10%, for the purchase of long-term fixed assets such as land, building, and/or certain equipment.


Industrial Development Bonds (IDBs)

Small- and medium-size manufacturers may benefit from Industrial Development Bonds, a low-cost source of financing. (Bond financing can be as low as 75% of prime.) The City and County will also discount the packaging fee by 50%, resulting in substantial up-front savings. 


San Joaquin Small Business Development Center (SBDC)

Services offered by the Small Business Development Center include:

  • business plan writing assistance,
  • consulting,
  • mystery shopper/dinner programs,
  • access to an SBA library, and
  • workshops and classes.


External Links

CaliforniaFIRST (PACE)

HERO Program - Renovate America (PACE)

Dividend Finance (PACE)

Ygrene Energy (PACE)


California Statewide Communities Development Authority (PACE)

California Municipal Finance Authority (PACE)

California Communities (IDBs)

San Joaquin County Employment and Economic Development Department (EEDD)

San Joaquin County Revolving Loan Fund (RLF)

San Joaquin Small Business Development Center (SBDC)

Small Business Administration (SBA)

Statewide Community Infrastructure Program (SCIP)

Tracy/San Joaquin County Certified Development Corporation (CDC) - (209) 951-0801

This City of Stockton web page last reviewed on --- 2/18/2022