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Business Financing

Valley Strong Credit Union - Preferred Banking Partner of Lodi Chamber’s Business Tools

Need help navigating your business finances? Valley Strong’s Business Services Team can help mentor and guide you to the right loan in our wide selection that includes:

  • Lines of Credit
  • Commercial Real Estate Financing (Owner Occupied and Investor)
  • Equipment & Machinery Financing
  • Business Acquisition Loans
  • Term Loans
  • SBA Loans

Connect with a Trusted Local Lender

Find a lender that can help you take your business to the next level.

The Chamber of Commerce has many banking members that can help you meet your financing needs. Look through our directory of lenders that can assist you. Working with a Chamber member ensures that you are working with a reputable lender that is investing in the local community.

Lodi Hometown Microloan Program

City of Lodi Offers Startups and Small Business with Loan Funds to Start or Expand Business

Low interest rate loans of up to $50,000 are available to Lodi-based businesses with 10 or fewer employees.  This new source of lending offered by the Lodi City Council is intended to provide a path forward to greater economic growth for startups and small businesses based in Lodi who have experienced hardships in obtaining capital.  While any business who fits the borrowing criteria may apply, these loans are particularly designed to reach first-time borrowers and low-income, minority, veteran, and women-owned businesses.  The loans will have a fixed interest rate of 5 percent which is far below the current prime market rate, and borrowers will pay no fees.  These favorable terms are made possible by the City of Lodi who will be buying down the interest rate from 9.75 percent in addition to paying all loan fees.  Applicants must be residents of Lodi and use the loan funds for businesses located within Lodi city limits.  California Capital, a microlender in business in northern California for over forty years, will administer the loan process from A to Z. 

Loans are available for equipment, vehicles, start-up costs, to refinance high interest rate loans, inventory and working capital.

San Joaquin Revolving Loan Fund

The San Joaquin County Economic Development Division offers technical assistance to businesses located in or expanding to San Joaquin County that create or retain jobs. The professional staff works with local lenders, the Small Business Administration (SBA), and the County's Revolving Loan Fund (RLF) to select the best source for financing. Loans may be arranged for the startup, retention, or expansion of business activities in San Joaquin County.

If you are interested in utilizing services through our Revolving Loan Fund program,
please contact us at or by calling 209-468-3615.

They have recently updated their application process to move fully online!

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