Pacific Coast Regional Small Business Development

What Pacific Coast Regional Small Business Development does

Pacific Coast Regional Small Business Development Corporation, doing business as PCR Business Finance, is a private non-profit Community Development Financial Institution (CDFI) certified by the U.S. Treasury and a U.S. Small Business Administration (SBA)-designated Small Business Development Center (SBDC), founded in 1977 and headquartered at 3255 Wilshire Blvd in Los Angeles. It serves underserved, ethnically diverse small business owners in Southern California, with core lending products consisting of microloans up to $50,000 and small business loans from $50,000 to $650,000, supplemented by the California Small Business Loan Guarantee Program (state-backed guarantees up to 80%), the Metro Business Interruption Fund (grants up to $50,000 per impact year for transit-rail-impacted businesses), the Destination Market Street façade and tenant improvement program in Inglewood (grants up to $250,000 per project), the OutSmart Disaster resilience program, and the recently launched Employee Ownership Loan Program.

The SBDC arm provides no-cost one-on-one business advising and low-cost entrepreneurial training, funded primarily through SBA grants and foundation support rather than client fees. In FY24, PCR facilitated over $16 million in financing, served more than 1,900 clients, and helped create 77 new businesses, while cumulative outcomes since 2020 include 193 new businesses started, 2,317 jobs created, 10,912 jobs retained, and $117.2 million in capital obtained by SBDC clients. The organization employs 1-10 staff and runs a lean operating model dependent on a network of foundation partners (Citi Foundation, Kaiser, Bank of America, Wells Fargo, SoCalGas, Preferred Bank, California Bank & Trust) and public-sector sponsors (LA Metro, City of Inglewood, CalIBank, U.S. Treasury CDFI Fund, SBA).

Revenue mechanics blend net interest income from the lending portfolio, program administration fees for government-managed grant programs (Metro BIF, Destination Market Street), and restricted/unrestricted grants from philanthropic and government sources. The most recent capital infusion was a $1 million unrestricted grant from the Citi Foundation Community Progress Makers initiative in 2024, alongside a $1.6 million CDFI Fund award in April 2023. A new community business hub broke ground in June 2025 to consolidate lending, advising, and training operations under one roof, signaling continued organizational scaling.

Name

Pacific Coast Regional Small Business Development

Legal name

Pacific Coast Regional Small Business Development Corporation

Website

https://pcrcorp.org

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

1–10 employees

Short description

PCR Business Finance is a Los Angeles-based non-profit CDFI and SBA-designated SBDC, founded in 1977, providing microloans, small business loans, no-cost advisory services, and grant administration to underserved and BIPOC small businesses across Southern California.

Ownership category

akta.pro rank

Product category

Small Business Development Services

NAICS

Management Consulting Services (54161)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industries

Economic Development & Business Licensing (Local) (BPAIACAN), Corporate Foundations & CSR Grantmaking (BPAGAKAC)

Keywords

• Small business development
• Business advisory services
• Entrepreneurship training
• Business planning support
• Small business consulting

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Business Lending: PCR generates revenue through interest on business loans provided to small businesses. Loan products include microloans up to $50,000 and small business loans from $50,000 to $650,000. Additional revenue comes from loan guarantee fees through the California Small Business Loan Guarantee Program.
2. SBDC Advisory Services: PCR provides no-cost one-on-one advisory services and low-cost entrepreneurial training through its SBA-designated SBDC designation. Revenue is generated through program grants from SBA, foundations, and government partners rather than direct client fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

The company name indicates an organization dedicated to small business development in the Pacific Coast region; the specific products, services, and delivery mechanisms are not evidenced in the provided input.

Product overview

Pacific Coast Regional Small Business Development (PCR Business Finance) is a private, non-profit Community Development Financial Institution (CDFI) and SBA-designated Small Business Development Center offering a comprehensive suite of financial products and advisory services for underserved small businesses in Southern California. The organization's product portfolio centers on small business lending (microloans up to $50,000 and small business loans from $50,000 to $650,000), supplemented by grant programs including the Metro Business Interruption Fund (BIF) providing up to $50,000 for transit-impacted businesses and the Destination Market Street Program offering up to $250,000 for Inglewood businesses. Complementary to its lending, PCR operates an SBDC providing no-cost one-on-one advisory and low-cost training. Additional programs include the California Small Business Loan Guarantee Program (state-backed 80% loan guarantees), the OutSmart Disaster business resilience program, and the Employee Ownership Loan Program. Together, these products form an integrated ecosystem addressing the capital and advisory needs of underserved entrepreneurs from startup through growth.

Differentiator

Problem solved

Functional benefit

Brands

• SELF Loan Fund: Sacrifice Effort Legacy and Future Loan Fund - a vehicle designed to move capital to business owners who have traditionally had limited access to conventional financing, including Cohort 3 completed in FY24.
• OutSmart Disaster

Quantifiable outcome

• Over $16 million in financing facilitated in FY24
• +5 more outcomes

Named customers8 records

Segments1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development Partner · 1 January 1977PCR is designated by the SBA as a Small Business Development Center (SBDC), providing no-cost one-on-one advisory services and low-cost entrepreneurial training to small businesses in Los Angeles and Ventura Counties. SBA provides grant funding and program support for SBDC operations.
• U.S. Treasury (CDFI Certification)coreStrategic or Co-development PartnerPCR is certified as a Community Development Financial Institution (CDFI) by the U.S. Treasury. This certification enables PCR to expand economic opportunities in underserved communities by providing access to financial services.
• Los Angeles MetrocoreStrategic or Co-development PartnerPCR administers Metro's Business Interruption Fund (BIF), a pilot program providing grants up to $50,000 per impact year to small mom and pop businesses impacted by transit rail construction along the Crenshaw/LAX Transit Project, Regional Connector, and Purple Line Extension. Metro designates $10 million annually for the BIF.
• Los Angeles SBDC NetworkcoreStrategic or Co-development PartnerPCR is part of the LA SBDC network, partnering with other SBDCs to provide comprehensive small business development services across Los Angeles County.
• City of InglewoodcoreStrategic or Co-development PartnerPCR serves as Program Administrator for the Destination Market Street façade and tenant improvement program, funded by Caltrans grant funds. Program provides up to $250,000 per project for businesses on Market Street in Inglewood.
• Project EquitycoreStrategic or Co-development PartnerProgram partner for the Employee Ownership Loan Program, helping business owners transition to employee ownership models.
• Concerned CapitalcoreStrategic or Co-development PartnerProgram partner for the Employee Ownership Loan Program, supporting business transitions to employee ownership.
• Los Angeles County Department of Economic OpportunitycoreStrategic or Co-development PartnerProgram partner for the Employee Ownership Loan Program, supporting workforce development and economic opportunity initiatives.
• INSIKT CDFIminorStrategic or Co-development PartnerINSIKT CDFI is listed as a partner organization on PCR's supporters page, collaborating on community development financial initiatives.
• California Infrastructure and Economic Development Bank (CalIBank)coreStrategic or Co-development PartnerCalIBank administers the California Small Business Loan Guarantee Program that PCR uses to provide state-backed loan guarantees up to 80% for lenders.

Scale indicators12 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Working Solutions CDFI: San Francisco Bay Area CDFI providing microloans and small business loans to underserved entrepreneurs — directly comparable regional CDFI peer with similar loan sizes.
• Justine PETERSEN: St. Louis-based CDFI providing small business lending and credit-building services to underserved entrepreneurs — comparable community development lending model.
• CDC Small Business Finance: California-based CDFI providing small business loans and advisory to underserved entrepreneurs — closest direct comparable to PCR in mission, loan product range, and target market.
• Pacific Community Ventures: Bay Area CDFI and SBDC partner providing loans, advising, and business education to underserved small businesses — directly overlapping with PCR's capital-plus-advisory model.
• LiftFund: Texas-headquartered CDFI providing microloans and small business loans to underserved entrepreneurs across the South and Southwest — comparable mission-driven CDFI lender model.
• DreamSpring (formerly Opportunity Fund): National CDFI providing small business loans and capital to underserved entrepreneurs — directly comparable in loan product, target client, and community development mandate.
• Accion: National CDFI providing small business loans and advisory to underserved entrepreneurs — closely comparable to PCR's small business lending and financial education services.
• Grameen America: National microfinance organization providing small loans and support to women entrepreneurs in underserved communities — overlapping target client and microloan product.

Broad incumbents

• National Development Council (NDC): National nonprofit and certified CDFI providing small business lending, training, and economic development services — broader geographic and programmatic footprint than PCR but same CDFI/SBDC-adjacent model.
• Local Initiatives Support Corporation (LISC): Large national CDFI providing small business lending and economic development financing in underserved communities — broader scale and portfolio but overlapping mission and client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PCRSBDC
• Facebookfacebook.com/sbdcpcr
• LinkedInlinkedin.com/company/pacific-coast-regional-small-business-development-corp
• Instagraminstagram.com/pcrsbdcla

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Coast Regional Small Business Development