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As a leading non-profit lender, Yuba-Sutter Economic Development Corporation (YSEDC) has leveraged the experience of our staff and our relationships with local lending partners to create several loan programs to make credit available to entrepreneurs. Potential candidates include established small and medium sized businesses or new start-up businesses and can be corporations, partnerships or sole proprietors that are located within Yuba and Sutter Counties.

Eligible Uses

• Purchase of land, buildings, machinery and equipment
• Working capital for inventory, supplies, wages, marketing and advertising
• Business start-up costs

Amount

In general, loans are available from $25,000 to $150,000. Loan requests either larger or smaller than the listed range may also be considered.

Terms & Rates

Based on the loan and the borrower needs, interest rate is generally fixed at or below prime rate.

Minimum Requirements

• Complete application
• Business plan
• Creation of one job for every $35,000 borrowed
• Adequate new or existing collateral as loan security
• Commitment of new equity by the borrower (10% for existing businesses, 20% for start-ups)
• Business located within Yuba-Sutter counties

How to Apply

Interested businesses must complete a Yuba-Sutter Economic Development Corporation loan application and submit it with a business plan to:

Download loan application here

Download sample business plan here

For more information about our loan programs, please contact our Loan Department Staff at (530) 751-8555 or via email at