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Financial Assistance

Small Business Micro Loan


Micro Loan BrochureThe City of Stockton's Small Business Micro Loan Program assists local businesses with their financing needs.  The program provides loans up to $30,000 to entities located within Stockton city limits.  Interest rates begin at current Prime Rate plus 2%, with a maximum loan term of five years.  Funds may be used for operating capital, including permit and license fees, furniture, fixtures and equipment, rehabilitation, and manufacturing equipment.


A $35 non-refundable application fee is required and businesses receiving loan proceeds must create or retain at least one full-time equivalent job. 


      Small Business Micro Loan Brochure

Small Business Micro Loan Program Guidelines




Commercial Façade Improvement Forgivable Loan Program  

2012 Facade Brochure

On July 10, 2007, the Stockton City Council approved revisions to the City's Commercial Loan Program to better serve the needs of the Stockton business community by expanding the program boundary beyond the downtown core and increasing the funding available to commercial property owners.


The City offers a Façade Improvement Forgivable Loan to enhance the exterior of commercial, nonresidential properties (including nonprofit groups) located within Downtown, South Stockton, North Stockton, and Midtown.

An application fee of $513 is required. 

 Commercial Façade Improvement Forgivable Loan Brochure

Façade Improvement Guidelines

Façade Improvement Forgivable Loan Application

   Design Review (Brochure) (Guidelines) (Application)


Downtown Financial Incentive Program

The City of Stockton offers a program to reduce or eliminate building permit and associated public facilities fees for many downtown projects.  If the project rehabilitates an existing downtown building that has been vacant for six (6) months or longer, most permit fees will be waived.  Demolitions, new construction, or expansions do not qualify.


An application is required prior to applying for a permit and can be obtained from the City's Economic Development Department or the Downtown Stockton Alliance.


The program boundary includes the Downtown Stockton Business Improvement District.


Emergency Grant Program


The City will grant up to $7,500 to commercial property owners to fix code violations that endanger the health or safety of employees or the general public.  The responsible party (property owner or business owner) must demonstrate that alternate sources of funds (savings, loans, etc.) are not available to fix the problem.


                                                                                    Emergency Grant Brochure







Fee Deferral Program 

Fee Deferral Program Brochure

To stimulate economic development within the City of Stockton, City Council adopted a fee deferral program for commercial and industrial buildings.


Rather than paying "development fees" at the time a building permit is issued, the developer of a qualified non-residential project may elect to defer a portion of those fees.


Non-residential Fee Deferral Program

Non-residenial Fee Deferral Application






For more information on the above programs or to obtain an application by mail, contact the Economic Development Department.



External Links

San Joaquin County Enterprise Zone



This City of Stockton web page last reviewed on --- 12/19/2014