Small Business Development Corporation
Small Business Development Corporation of Orange County (SBDC-OC) is a quasi-public 501(c)(3) non-profit that administers California's State Loan Guarantee Program and related capital access programs on behalf of IBank, enabling small businesses throughout California to obtain credit through a network of 70+ participating lenders.
- Company typePrivate
- Founded2001
- HeadquartersSanta Ana, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Small Business Development Corporation does
Small Business Development Corporation of Orange County (SBDC-OC) is a quasi-public/private 501(c)(3) non-profit public benefit corporation established in 2001 and headquartered in Santa Ana, California. It operates under California's Infrastructure and Economic Development Bank (IBank) as one of seven statewide Financial Development Corporations, administering capital access programs for small businesses throughout California. Its core mission is to assist small business owners in accessing operating capital through administration of California's State Loan Guarantee Program, which provides participating lenders with up to 80% guarantee coverage on loans, lines of credit, and other capital up to $5 million, backed by a state trust fund that can be leveraged up to ten times.
SBDC-OC's product portfolio centers on the Small Business Loan Guarantee Program and includes the Entrepreneur Loan Fund (ELF) for direct microloans between $2,000 and $30,000, Disaster Relief Loan Guarantees, Metal Plating Facility Loan Guarantees, Climate Tech Financing, the California Capital Access Program (CalCAP), the California Rebuilding Fund, a Surety Bond Program, Lender Certification, COIN Certification, and the OC Recycling Market Development Zone. The organization does not develop proprietary software; its 'platform' is a program administration workflow delivered in collaboration with over 70 participating financial institutions statewide (33 routed through SBDC-OC directly), including Citizens Business Bank, Pacific Premier Bank, Banc of California, City National Bank, and various credit unions and CDFIs.
The business model is mission-driven program administration: SBDC-OC generates revenue through program administration fees and operates as a quasi-public entity without equity ownership. Pricing is determined by participating lenders; SBDC-OC does not directly lend except through the ELF microloan program. Customer segments span small businesses broadly, with explicit priority given to minority-, women-, veteran-, and disabled-owned businesses and businesses in underserved communities or low-income census tracts. As of fiscal year 2024, SBDC-OC administered $86.4 million in state loan guarantees (up from $57.5 million in FY2023), supporting nearly $131 million in total bank loans, and was the top performer among the seven statewide IBank development corporations. Cumulative program impact exceeds 30,000 loans guaranteed since 1968 and over 10,000 jobs created or preserved through COVID-19 microloan guarantees.
Small Business Development Corporation firmographics
Firmographics- Name
- Small Business Development Corporation
- Legal name
- Small Business Development Corporation of Orange County
- Website
- https://sbfdoc.org
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Small Business Development Corporation of Orange County (SBDC-OC) is a quasi-public 501(c)(3) non-profit that administers California's State Loan Guarantee Program and related capital access programs on behalf of IBank, enabling small businesses throughout California to obtain credit through a network of 70+ participating lenders.
- Ownership category
- akta.pro rank
Small Business Development Corporation industry classification
Industry- Product category
- Small Business Development Finance
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
- akta.pro secondary industries
- Microloans & Working Capital Loans (FSAKAGAA), SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Small Business Development Corporation is headquartered
LocationHeadquarters
- HQ city
- Santa Ana
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Small Business Development Corporation business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Loan Guarantee Administration: SBDC-OC administers California's capital access programs including the State Loan Guarantee Program, which provides loan guarantees up to 80% or $5 million to participating lenders. As a quasi-public/private non-profit public benefit corporation operating under IBank, the organization generates revenue through program administration fees and operates as a mission-driven entity supporting small business access to credit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | State Loan Guarantee Program - Up to $5 million guarantee |
| Other | Pay-as-you-go | Entrepreneur Loan Fund (ELF) - Microloans |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Small Business Development Corporation product offering
Product offeringCore offering
Small Business Development Corporation of Orange County administers California's State Loan Guarantee Program, providing up to 80% loan guarantees (capped at $5 million) to participating lenders that finance small businesses lacking traditional credit access. The corporation also deploys the Entrepreneur Loan Fund (ELF) for direct microloans of $2,000 to $30,000 and operates complementary Disaster Relief, Metal Plating Facility, Climate Tech, CalCAP, Surety Bond, and lender certification programs in partnership with a network of more than 70 bank and non-bank CDFIs statewide.
Product overview
Small Business Development Corporation of Orange County (SBDC-OC) operates as a quasi-public non-profit financial development organization that administers California state's capital access programs. The organization does not offer a unified software product but rather delivers a suite of financial programs centered around its Small Business Loan Guarantee Program, which provides state-backed collateral to lenders to encourage small business lending. Supporting programs include the Entrepreneur Loan Fund for micro-lending, Disaster Relief and Climate Tech financing programs, California Capital Access Program, Surety Bond program, and lender certification services. All programs are delivered in collaboration with a network of over 70 bank and non-bank lending institutions to support small business creation, growth, expansion, job creation, and retention throughout California, with emphasis on minority, woman, disabled, and veteran-owned businesses.
Differentiator
Problem solved
Functional benefit
Products and services
- Small Business Loan Guarantee Program State-backed loan guarantee program providing up to 80% guarantee coverage on loans, lines of credit, and other capital with maximum guarantees of $5 million. Designed for California small businesses, particularly those in underserved communities, who lack access to traditional bank credit.
- Entrepreneur Loan Fund (ELF) Direct micro-credit fund providing loans between $2,000 and $30,000 to startups and existing small businesses unable to access traditional bank credit, with credit processing approval within approximately one week.
- Disaster Relief Loan Guarantee Loan guarantee program specifically designed to assist California small businesses impacted by natural disasters by providing expedited access to capital for recovery.
- California Capital Access Program (CalCAP) Capital access program that helps California small businesses secure loans through participating lenders using a risk-sharing mechanism that mitigates lender loss.
- Surety Bond Program Program assisting California small businesses in obtaining surety bonds required for participation in government and commercial contracts.
- Lender Certification Program Program to certify and onboard banks and non-bank CDFIs into the State Small Business Loan Guarantee program network; currently 70+ participating financial institutions across California.
- Metal Plating Facility Loan Guarantee Specialized loan guarantee program targeting metal plating facility businesses for equipment purchases and operational needs.
- Climate Tech Financing Green energy initiative program that supports clean technology businesses and sustainable energy projects through specialized financing options.
- OC Recycling Market Development Zone Program supporting businesses in the Orange County recycling market development zone through specialized financing, in partnership with the City of Huntington Beach.
- California Rebuilding Fund State program supporting California small business recovery and rebuilding efforts, particularly for communities affected by economic disruptions.
- COIN Certification California Organized Investment Network certification program demonstrating commitment to directing capital toward underserved communities and connecting small businesses with responsible capital sources.
Quantifiable outcome
- Over 30,000 loans guaranteed since program inception
- +3 more outcomes
Companies that use Small Business Development Corporation
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles2 records
Small Business Development Corporation technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Small Business Development Corporation partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered secondary, minor and core.
- CA Small Business Loan Match (IBank Website)secondaryNew state website launched April 2024 by IBank offering small businesses no-cost matching with up to 40 vetted lenders. SBDC-OC participated in the launch event and supports the platform's connection between business owners and certified lenders.
- Community Reinvestment FundsecondaryNational non-profit organization that supported the development and launch of the CA Small Business Loan Match website alongside partners including NextStreet and The Initiative for Inclusive Entrepreneurship.
- NextStreetminorConsulting firm that supported the development and launch of the CA Small Business Loan Match website.
- Initiative for Inclusive EntrepreneurshipminorOrganization that supported the CA Small Business Loan Match website launch.
- Credit Union 1minorNevada-based credit union with numerous California locations joined the pool of over 100 statewide lenders certified to offer California's Small Business Loan Guarantee program in March 2023.
- California Infrastructure and Economic Development Bank (IBank)coreSBDC-OC operates as one of seven statewide quasi-public/private non-profit economic development organizations under the umbrella of IBank. The corporation administers the state's Small Business Loan Guarantee Program as well as federally funded SSBCI programs under IBank's Small Business Finance Center.
- Participating Lenders (33+ through SBDC-OC)core33 lenders are currently approved to participate in the loan guarantee program through SBDC-OC, with over 70 statewide. Lenders include Citizens Business Bank, Pacific Premier Bank, Banc of California, City National Bank, Bank of Southern California, Partners Bank, Enterprise Bank & Trust, American Business Bank, and credit unions. These lenders utilize the state guarantee as risk mitigation to approve loans for small businesses.
- CAMEO NetworksecondarySBDC-OC collaborates with CAMEO Network (California Association for Micro Enterprise Opportunity) on advocacy and support for small business development programs.
- California Office of the Small Business AdvocatesecondaryAdministers technical assistance program funded through U.S. Treasury's State Small Business Credit Initiative, providing business owners help with loan documents, business planning, and becoming loan-ready.
- COIN (California Organized Investment Network)secondarySBDC-OC holds COIN certification, demonstrating commitment to directing capital toward underserved communities and community development.
- Small Business MajorityminorPartner organization supporting small business advocacy and programs.
- CALED (California Association for Local Economic Development)minorProfessional association for economic development practitioners supporting California's economic growth.
- Borrowers Bill of Rights SignatorysecondarySBDC-OC is a signatory to the Borrowers Bill of Rights, committing to fair lending practices.
- AltCap CaliforniasecondaryNonprofit lender partner working with SBDC-OC to fill gaps for LA entrepreneurs and provide microloans and grants to small businesses.
- The Association of Financial Development Corporations (TAFDC)coreAssociation comprised of seven development corporations around the state including SBDC-OC, which administer the loan guarantee and other programs under IBank. Michael Ocasio serves as president of TAFDC.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Small Business Development Corporation competitors and assessment
Company assessmentOthers
- Opportunity Finance Network (OFN): National membership organization supporting CDFIs and capital access — comparable ecosystem role serving community development financial institutions.
Direct peers
- Kiva: Crowdfunded microfinance platform providing 0% interest loans to underserved small business borrowers — comparable microloan product and inclusive-lending mission.
- Grameen America: Microfinance nonprofit providing small loans to entrepreneurs in underserved U.S. communities — comparable microenterprise lending model.
- LiftFund: National CDFI providing microloans and small business loans to underserved borrowers across multiple states — comparable micro/small business lending model and mission-driven structure.
- Accion Opportunity Fund: National CDFI providing small business loans and capital access to underserved entrepreneurs, including minority, women, and immigrant-owned businesses — directly comparable target market and inclusive-lending mission.
- Community Reinvestment Fund, USA (CRF): National nonprofit CDFI that lends to and invests in small businesses and community developers — explicitly named as a co-development partner on the CA Small Business Loan Match platform.
- Capital Impact Partners: National CDFI providing financing and capacity-building to under-resourced communities, including small businesses — comparable inclusive-lending model and CDFI structure.
- CDC Small Business Finance: California-headquartered CDFI and certified SBA lender providing small business loans, SBA 504/7(a), and loan guarantees to underserved borrowers — directly comparable mission and product set.
- Pacific Community Ventures: California-based nonprofit CDFI providing capital, advising, and investments to small businesses in underserved communities — comparable California footprint and small business capital-access mission.
Regional players
- CAMEO (California Association for Micro Enterprise Opportunity): California statewide association of microenterprise development organizations that collaborates with SBDC-OC — comparable California-focused small business development and advocacy mission.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Small Business Development Corporation social profiles
Digital presenceSmall Business Development Corporation financial estimates
Financial estimateRevenue estimate
Valuation estimate
Small Business Development Corporation leadership team
Management profileNumber of profiles
Profiles11 records
Small Business Development Corporation funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Small Business Development Corporation M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Small Business Development Corporation
What does Small Business Development Corporation do?
Small Business Development Corporation of Orange County administers California's State Loan Guarantee Program, providing up to 80% loan guarantees (capped at $5 million) to participating lenders that finance small businesses lacking traditional credit access. The corporation also deploys the Entrepreneur Loan Fund (ELF) for direct microloans of $2,000 to $30,000 and operates complementary Disaster Relief, Metal Plating Facility, Climate Tech, CalCAP, Surety Bond, and lender certification programs in partnership with a network of more than 70 bank and non-bank CDFIs statewide.
Is Small Business Development Corporation a public or private company?
Small Business Development Corporation is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Small Business Development Corporation founded?
Small Business Development Corporation was founded in 2001. It employs 1 to 10 people.
Where is Small Business Development Corporation based?
Small Business Development Corporation is headquartered in Santa Ana, United States, in the North America region.
How does Small Business Development Corporation make money?
One revenue line is on record: loan Guarantee Administration.
Who are Small Business Development Corporation's main competitors?
Opportunity Finance Network (OFN) is listed as an others. Direct peers are Kiva, Grameen America, LiftFund, Accion Opportunity Fund, Community Reinvestment Fund, USA (CRF), Capital Impact Partners, CDC Small Business Finance and Pacific Community Ventures. CAMEO (California Association for Micro Enterprise Opportunity) is listed as a regional player.
Does Small Business Development Corporation have an API?
No public API is recorded for Small Business Development Corporation.
What industry is Small Business Development Corporation in?
Small Business Development Corporation's product category is Small Business Development Finance. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans, with a secondary code of FSAKAGAA, Microloans & Working Capital Loans. Its NAICS code is 522 and its SIC code is 6111.