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Business Lending

AEDC Small Business Lending Center 

Financing business opportunity


AEDC's Small Business Lending Center finances small businesses in a six county area of Northern California including Humboldt, Del Norte, Lake, Mendocino, Siskiyou and Trinity Counties. We are also approved to offer SBA Microloans in Shasta County. 

We have loan funds available from several sources, including the Small Business Administration (SBA), the United States Department of Agriculture Intermediary Re-lending Program (USDA), the Headwaters Fund and the AEDC Revolving Loan Fund among others. We work closely with local jurisdictions, so we can offer our eligible clients opportunities through various community loan programs. AEDC is a Community Development Financial Institution (CDFI), which provides opportunities for sources of loan income. This means that there are more opportunities for AEDC to match the the requirements of the funder to match needs of the borrower. Our priority at AEDC is to finance businesses that will build a stronger community, so our goal is to get you the best terms available. 

For additional information call the AEDC Small Business Lending Center. We'll be happy to help you. (707) 798-6132. 

Click on any of the links below to access loan applications:


City of Arcata Resiliency Loan Program 

The City of Arcata is committed to providing technical and financial support to local businesses in response to the impact of COVID-19.

Information about the City’s new COVID-19 Business Resiliency Emergency Loan Program as well as the City’s existing loan programs can be found here.

For more information, please email [email protected] or call (707) 825-5955.

Arcata Resiliency Loan Program Application 


AEDC Commercial Loan General Application 


AEDC General Application Part 3 (Environmental Questionnaire) 


SBA 504 Loan Application Package



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