Business Financing

Funding to start or grow your business can be obtained through the following local banks.

Bank of America
Bank of Stockton
El Dorado Savings Bank
Oak Valley Bank
Umpqua Bank
US Bank
Wells Fargo Bank

West America Bank

Yosemite Bank


We also partner with the following alternative lenders.

Success Capital
Tuolumne County Revolving Loan Fund
Access+Capital (Grow Tuolumne Fund)



For larger projects we have the following specialized financing tools.


 Industrial Development Bond Financing

IDB financing may be the most competitive financing option available for the acquisition of manufacturing facilities and equipment. IDBs provide a method for middle market manufacturers to access the private capital markets at tax-exempt rates. The IDB interest rate is significantly lower than bank financing because the interest paid to the investor is exempt from state and federal income tax, resulting in substantial savings to the borrower, depending on the amount financed. The IDB issuance process can be pursued concurrently with the bank credit approval process. The entire process can be easily completed within 90 days and from the borrower’s standpoint should not be much different than a conventional financing.

Industrial Development Bond Financing (CEDA)

Industrial Development Bond Financing (CIDFAC)


EB-5 Financing

Businesses looking for investment capital can use this unique funding opportunity to build their business in Tuolumne County. If the investment in a new commercial enterprise is made in a Targeted Employment Area (TEA) – which Tuolumne County is certified as one, the required investment is decreased to the $500,000 investment level.This program provides valuable foreign investment for your business.

Northern California Regional Center (a regional EB-5)