Cen Cal Business Finance Group

City of Fresno Cares Act Loan Program Affordable, fixed rate loans to viable small & medium sized businesses.... Six months with NO monthly payments. LOAN TERMS ELIGIBLE USES - $10,000-$100,000 - Inventory - Competitive Terms - Working Capital - Term 5-10 years - Equipment Purchase - Job Retention Requirement - Leasehold Improvements - Prohibited from bank financing - Personal Protection Equipment (PPE) For more information and to apply please contact Cen Cal Business Finance Group at (559)227-1158 or find us on Facebook.Com/cencalfinance.

Rates drop slightly to 2.523% November 2020 Newsletter Rate information: November rates decreased by 3 basis points. 20- and 25-year rates are below 2.60%. We are not sure what to expect from rates in the short-term due to the Corona Virus. Please keep in mind that Banks can refinance their own debt with the 504 Refinance program.... We have 12 loans at the SBA from 8 different Lenders. We finished our year with 29 approvals. Bank of the Sierra edged Central Valley Community Bank by one loan. Bank of the Sierra had 8 approvals, Central Valley Community Bank had 7 approvals, Fresno First Bank has 3 approvals, BBVA Compass Bank & Tri Counties Bank each had 2 approvals, followed 8 banks with one loan approval each. THANK YOU to all our participating banks for your referrals. CARES ACT RLF MICRO LOANS. Cen Cal has recently teamed up with the City of Fresno to launch the new CARES RLF Micro-Loan program for businesses in the City of Fresno. These are working capital loans for business recovering from Covid-19 effects on the economy. Thank you. Please be safe. Please visit us on the web at www.cencalfinance.com On FACEBOOK at https://www.facebook.com/cencalfinance/?ref=bookmarks On LinkedIn at Cen Cal Business Finance Group The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for owner-users. 504 loans can be used to finance up to 90% of the cost of your real estate project. 504 Loan can also be used for up to 85% for special use properties, such as cold storage facilities and surgery centers. For additional information : Contact: Cal Cain (559) 227-1158 Cen Cal Business Finance Group has two new employees we would like to introduce: Jalen Taylor is our new intern. He has been assigned to marketing the City of Fresno CARES Act Revolving Loan Program for Cen Cal Business Finance Group and the City of Fresno. Jalen graduated from Arizona State University in 2020 with a degree in business. He is currently working on his master’s degree from Georgetown University. Jalen went to high school in southern California. He is an avid reader, loves basketball and music. Jalen is a member of the Family Community Church in Fresno, California. His future goals are a career in finance or commercial real estate. Karen Munoz is our new part time loan processing assistant. She works on our SBA 504 Loan Program assisting our underwriter. Karen was an intern with Cen Cal Business Finance and now she is our employee. She is also bi-lingual and is a great help with our Spanish speaking customers. She is a senior at Fresno State University graduating next month with a bachelor’s degree in finance and a minor in economics. She is currently pursuing a master’s degree. She grew up in Visalia, California and graduated from El Diamante High School. Karen likes to read, sew and play tennis.

Rates tick up again, still under 2.7% October 2020 Newsletter Rate information: October rates increased by 19 basis points. 20- and 25-year rates are below 2.50%. We are not sure what to expect from rates in the short-term due to the Corona Virus. Please keep in mind that Banks can refinance their own debt with the 504 Refinance program.... Refinance. Refinance. Refinance. With rates below 2.7% now is the time to use the SBA 504 program to refinance older loans. We can help you refinance your own loans if you need to reduce risk with a client or you need to get the client a better rate to keep them. Cen Cal is here to support you in any way we can. Thank you. Please be safe. We had 5 approvals in October. We finished our year with 29 approvals. Bank of the Sierra edged Central Valley Community Bank by one loan. Bank of the Sierra had 8 approvals, Central Valley Community Bank had 7 approvals, Fresno First Bank has 3 approvals, BBVA Compass Bank & Tri Counties Bank each had 2 approvals, followed by California Bank & Trust, Community West Bank, American Riviera Bank, United Security Bank, Premier Valley Bank, Chase Bank, Pacific Premier Bank, and Mission Bank with one approval each. THANK YOU to all our participating banks for your referrals. Please visit us on the web at www.cencalfinance.com On FACEBOOK at https://www.facebook.com/cencalfinance/?ref=bookmarks On LinkedIn at Cen Cal Business Finance Group In Person at 5094 N. Fruit Ave., Suite 103, Fresno, CA The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for owner-users. 504 loans can be used to finance up to 90% of the cost of your real estate project. 504 Loan can also be used for up to 85% for special use properties, such as cold storage facilities and surgery centers. For additional information : Contact: Cal Cain (559) 227-1158

Proclamation on National Small Business Week, 2020 ECONOMY & JOBS Issued on: September 19, 2020...Continue reading

Rates drop further, still under 2.50% August 2020 Newsletter Rate information: August rates decreased by another 13 basis points. 20- and 25-year rates are below 2.50%. We are not sure what to expect from rates in the short-term due to the Corona Virus. Please keep in mind that Banks can refinance their own debt with the 504 Refinance program.... Refinance. Refinance. Refinance. With rates below 2.5% now is the time to use the SBA 504 program to refinance older loans. We can help you refinance your own loans if you need to reduce risk with a client or you need to get the client a better rate to keep them. Cen Cal is here to support you in any way we can. Thank you. Please be safe. We had 4 approval in July. We are at 23 approvals in 10 months. Bank of the Sierra has moved into a tie Central Valley Community Bank with 6 approvals, followed; Fresno First Bank and BBVA Compass Bank with 2 approvals, followed by Community West Bank, American Riviera Bank, United Security Bank, BBVA Compass, Premier Valley Bank, Chase Bank, Pacific Premier Bank, and Tri-Counites Bank with one approval each. THANK YOU to all our participating banks for your referrals. Please visit us on the web at www.cencalfinance.com On FACEBOOK at https://www.facebook.com/cencalfinance/?ref=bookmarks On LinkedIn at Cen Cal Business Finance Group In Person at 5094 N. Fruit Ave., Suite 103, Fresno, CA The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for owner-users. 504 loans can be used to finance up to 90% of the cost of your real estate project. 504 Loan can also be used for up to 85% for special use properties, such as cold storage facilities and surgery centers. For additional information Contact: Cal Cain (559) 227-1158

THESE TEN WOMEN SELECTED FOR MARJAREE MASON CENTER HONOR The Marjaree Mason Center has announced its latest class of ten women and one business as honorees for the 37th Annual Top Ten Professional Women and Leading Business Awards to be honored during a virtual event in October. The ceremony honors local professionals, bringing attendees together with the goal of honoring individuals in the community while also raising awareness of domestic violence. The event pays tribute to... ten women who have excelled professionally, served as role models and given back to their communities. One business is also honored as the Leading Business of the Year for its support of women and women’s issues. The honorees include: Dorothy Thomas, senior vice president/SBA department manager, Central Valley Community Bank Jeannine Campos Grech, partner, Campos Brothers Farms and chair of the board, Valley Children’s Healthcare Joyce Fields-Keene, CEO, Central California Faculty Medical Group, Inc. Lupe Jaime-Mileham, senior director, Early Care and Education, Office of Fresno County Superintendent of Schools Lisa Nichols, vice principal on special assignment, Goal 2/School Leadership, Fresno Unified School District Irma Olguin, Jr., CEO and co-founder, Bitwise Industries Tressa Overstreet, principal, Design Science Middle College High School, Fresno Unified School District Aileen Rizo, associate director, The AIMS Center for Math and Science Education Tina Rodriguez, victim services director, Community Action Partnership of Madera County Gurdeep Sihota He’bert, dean of student services, Clovis Community College Leading Business: Moss Adams, LLP: Chris Morse, Fresno partner in charge and Ashley Jacobsen, senior manager Although our 37th annual event will be held in a different format, the tradition of celebrating and honoring the many accomplishments of this esteemed group of individuals and a business will continue, said Nicole Linder, executive director of the Marjaree Mason Center. The event will be held on Oct. 20. For more information, visit https://mmcenter.org/

Paycheck Protection Program Update There are only a few more days for San Joaquin Valley and Central Coast small businesses, nonprofits, independent contractors, sole proprietors (with and without employees) to apply for a Paycheck Protection Program (PPP) forgivable loan. Over $100 billion in PPP funds are still available but time is running out! PPP loans provide small businesses with eight weeks of funds for payroll, and can also be used for rent, mortgage interest, and u...tilities. Recent changes to PPP gives small businesses more time and greater flexibility to use the funds to meet their needs. PPP loans can be forgiven if the business uses the loan proceeds for eligible purposes and keeps employees paid. If you’re thinking about applying for PPP, you need to act fast before the program closes. DETERMINE the amount of PPP funds you need FIND a participating PPP lender COMPLETE the PPP application & submit to your lender Have questions or need help? Email the SBA Fresno District Office [email protected] or call us (559) 487-5791

Rates Drop one-quarter to below 3% May 2020 Newsletter SBA 504 20-year rates 2.683%, fixed.... SBA 504 25-year rate 2.758%, fixed. SBA 504 25-year REFI rate 2.759%, fixed. SBA 504 10-year rates 2.644%, fixed. City Revolving Loan fund rate 6.25%, fixed. Rate information: May rates decreased by 27 basis points. 20- and 25-year rates are at 3.00%. We are not sure what to expect from rates in the short-term due to the Corona Virus. Please keep in mind that Banks can refinance their own debt with the 504 Refinance program. Cen Cal Business Finance Group wants to recognize all our Lenders for their Hard Work processing PPP loans and Deferments. Our lenders are all doing a Great Job. Cen Cal is here to support you in any way we can. Thank you. Please be safe. Our Activity has remained steady. We are at 16 approvals in 7 months. Central Valley Community Bank has the lead with 6 approvals, followed by Bank of Sierra and BBVA Compass Bank with 2 approvals each, followed by Fresno First Bank, American Riviera Bank, United Security Bank, BBVA Compass, Premier Valley Bank, Chase Bank and Pacific Premier Bank with one approval each. THANK YOU to all our participating banks for your referrals. Please visit us on the web at www.cencalfinance.com On LinkedIn at Cen Cal Business Finance Group In Person at 5094 N. Fruit Ave., Suite 103, Fresno, CA The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for owner-users. 504 loans can be used to finance up to 90% of the cost of your real estate project. 504 Loan can also be used for up to 85% for special use properties, such as cold storage facilities and surgery centers. For additional information Contact: Cal Cain (559) 227-1158

NEWS ON ECONOMIC DISASTER LOANS SBA Economic Injury Disaster Loans Available to U.S. Agricultural Businesses Impacted by COVID-19 Pandemic Agricultural businesses are now eligible for SBA’s Economic Injury Disaster Loan (EIDL) and EIDL Advance programs. SBA’s EIDL portal reopened yesterday as a result of funding authorized by Congress through the Paycheck Protection Program and Healthcare Enhancement Act. ... Agricultural businesses include businesses engaged in the legal production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)). Eligible agricultural businesses must have 500 or fewer employees. The SBA will begin accepting new EIDL applications on a limited basis only, in order to provide unprecedented relief to U.S. agricultural businesses. For agricultural businesses that submitted an EIDL loan application through the streamlined application portal prior to the legislative change, SBA will move forward and process these applications without the need for re-applying All other EIDL loan applications that were submitted before the portal stopped accepting new applications on April 15th will be processed on a first-in, first-out basis. For more information, please visit: www.sba.gov/Disaster.

NEWS ABOUT EIDL AVAILABLE TO U.S. AGRICULTURAL BUSINESSES IMPACT BY COVID-19 Office of International Trade - May 4, 2020 SBA to Make Economic Injury Disaster Loans Available to U.S. Agricultural Businesses Impacted by COVID-19 Pandemic... WASHINGTON U.S. Small Business Administration Administrator Jovita Carranza announced today that agricultural businesses are now eligible for SBA’s Economic Injury Disaster Loan (EIDL) and EIDL Advance programs. SBA’s EIDL portal will reopen today as a result of funding authorized by Congress through the Paycheck Protection Program and Healthcare Enhancement Act. The legislation, signed into law by the President one week ago, provided additional funding for farmers and ranchers and certain other agricultural businesses affected by the Coronavirus (COVID-19) pandemic. For more than 30 years, SBA has been prohibited by law from providing disaster assistance to agricultural businesses; however, as a result of the unprecedented legislation enacted by President Trump, American farmers, ranchers and other agricultural businesses will now have access to emergency working capital, said Administrator Carranza. These low-interest, long-term loans will help keep agricultural businesses viable while bringing stability to the nation’s vitally important food supply chains. Agricultural businesses include businesses engaged in the legal production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)). Eligible agricultural businesses must have 500 or fewer employees. The SBA will begin accepting new EIDL applications on a limited basis only, in order to provide unprecedented relief to U.S. agricultural businesses. For agricultural businesses that submitted an EIDL loan application through the streamlined application portal prior to the legislative change, SBA will move forward and process these applications without the need for re-applying. All other EIDL loan applications that were submitted before the portal stopped accepting new applications on April 15 will be processed on a first-in, first-out basis. For more information, please visit: www.sba.gov/Disaster.

Rates Remain Steady Near 3% April 2020 Newsletter SBA 504 20-year rates 2.955%, fixed.... SBA 504 25-year rate 3.029%, fixed. SBA 504 25-year REFI rate 3.030%, fixed. SBA 504 10-year rates 2.839%, fixed. City Revolving Loan fund rate 6.25%, fixed. Rate information: April rates increased by 15 basis points. 20- and 25-year rates are at 3.00%. We are not sure what to expect from rates in the short-term due to the Corona Virus. Please keep in mind that Banks can refinance their own debt with the 504 Refinance program. Cen Cal Business Finance Group wants all our customers, bankers, brokers and partners to know are thinking of all of you in these unprecedented times. We are open and here for you every day. Please be safe. Our Activity has remained steady. We are at 13 approvals in 6 months. Central Valley Community Bank has the lead with 5 approvals, followed by Bank of Sierra with 2 approvals, followed by American Riviera Bank, United Security Bank, BBVA Compass, Premier Valley Bank, Chase Bank and Pacific Premier Bank with one approval each. THANK YOU to all our participating banks for your referrals. Please visit us on the web at www.cencalfinance.com On LinkedIn at Cen Cal Business Finance Group In Person at 5094 N. Fruit Ave., Suite 103, Fresno, CA The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for owner-users. 504 loans can be used to finance up to 90% of the cost of your real estate project. 504 Loan can also be used for up to 85% for special use properties, such as cold storage facilities and surgery centers. For additional information Contact: Cal Cain (559) 227-1158

COVID-19 Update and Support for Small Businesses Our priority at is to ensure that small businesses across California have updated information and resources about Coronavirus Disease (COVID-19). To ensure public safety, California has provided helpful information and resources on the California Department of Public Health website here. ... Small businesses are critical to the economy and to creating innovative solutions to address critical problems. Here are some of the resources available for small businesses now: For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or email [email protected].

The SBA announced they will provide up to $2 million in disaster relief loans to small businesses impacted by Coronavirus The SBA is offering states and territories affected by the Coronavirus low-interest federal disaster loans for working capital. The SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration. SBA Disa...ster Assistance for COVID-19 https://sable.madmimi.com/c/13117