Resources
Resources & Funding Pathways
Not every business needs the same solution.
Some businesses need technical assistance. Some need counseling. Some need a microloan. Some need procurement support, export guidance, or help getting ready for a larger loan.
This page is designed to help you better understand the different resource pathways available and connect you with organizations that may be a strong fit for your next step.
InvestorFy does not originate or broker loans. We provide education, community engagement, and practical resource navigation through Owning the Block.
How to Use This Page
Step 1
Identify what you are actually trying to do.
Step 2
Find the resource lane that best fits your current stage.
Step 3
Use the direct links below to connect with the right organization.
Which Funding Lane Fits?
The wrong funding lane wastes time. Use this guide to better understand where your business may fit before applying or reaching out.
This chart is intended as a practical guide. Every business is different, and eligibility or fit will depend on the organization, the opportunity, and your level of readiness.
Resource Directory
A. Business Counseling & Technical Assistance
California Capital’s Women’s Business Center offers low- and no-cost business counseling, training, classes, and one-on-one guidance, with a focus on women entrepreneurs, though its services support many business owners broadly.
Women’s Business Center (WBC)
Best for: Entrepreneurs who need guidance, counseling, training, or support getting organized.
What they do: Low- and no-cost business counseling, training, classes, networking opportunities, and one-on-one support.
Good first step if: You are early-stage, need help getting clear, or want guidance before pursuing funding.
Link: https://cacapital.org/wbc/
Sacramento Valley SBDC offers advising, tools, and access-to-capital guidance, including help understanding funding options and preparing for financing.
Sacramento Valley SBDC
Best for: Business owners who want advising, planning support, and help preparing for growth or funding.
What they do: Advising, business support, and access-to-capital guidance to help businesses prepare for the next stage.
Good first step if: You need help understanding your business model, growth plan, or funding readiness.
Link: https://www.sacramentovalleysbdc.org/services/get-your-business-funded/
B. Funding & Lending Pathways
Working Solutions is a nonprofit CDFI that offers loans from $5,000 to $100,000 and pairs lending with consulting and application support.
Working Solutions
Best for: Start-up and early-stage businesses looking for smaller business loans and guidance.
What they do: Small business loans, application support, and business consulting.
Good first step if: You need working capital, start-up funding, or a smaller loan and may not be ready for a traditional bank.
Link: https://www.workingsolutions.org/
California Small Business Loan Match is an IBank-backed tool that matches California business owners with pre-vetted lenders through a short questionnaire.
California Small Business Loan Match
Best for: Business owners who want help identifying lenders that may fit their needs.
What they do: Matches California small businesses with pre-vetted participating lenders through a no-cost questionnaire.
Good first step if: You want to explore lending options without starting with just one lender.
Link: https://caloanmatch.org/
CalCAP is not a direct lender. It is a California program that helps encourage participating lenders to make more small business loans by using mechanisms like loan loss reserve and collateral support.
CalCAP
Best for: Businesses working with a lender or exploring financing where additional credit support may help.
What they do: Supports participating financial institutions through state-backed credit enhancement programs.
Important: CalCAP is not a direct lender. It is a program that works through participating lenders.
Good first step if: A lender is interested but there is still a gap related to collateral, risk, or underwriting structure.
Link: https://www.treasurer.ca.gov/cpcfa/calcap
California Capital provides business development services and also offers financing programs as a CDFI, alongside the WBC, APEX Accelerator, and SBDC-related programming.
California Capital
Best for: Businesses looking for a combination of business support, training, and potential access to capital.
What they do: Small business development services, lending support, Women’s Business Center programming, and other entrepreneurial support services.
Good first step if: You want a broader ecosystem organization that offers multiple pathways under one roof.
Link: https://cacapital.org/programs/
C. Procurement & Contracting
California Capital’s APEX Accelerator helps businesses prepare for, pursue, and perform on government contracts.
APEX Accelerator
Best for: Businesses interested in government contracting and procurement opportunities.
What they do: Helps businesses understand how to prepare for, pursue, and perform on government contracts.
Good first step if: You want to grow through public-sector contracts and need help understanding the process.
Link: https://cacapital.org/programs/
D. International Growth & Exporting
WTC NorCal helps companies grow internationally through trade education, connections, export programs, and export-document support.
World Trade Center Northern California
Best for: Businesses exploring international growth, exporting, or global market expansion.
What they do: International trade education, export guidance, trade connections, and export documentation support.
Good first step if: You have a product or service with potential beyond the U.S. market and want help understanding export readiness.
Link: https://norcalwtc.org/
Aggie Square
Aggie Square is here!
InvestorFy LLC chose to establish a presence at Aggie Square because it represents the convergence of research, entrepreneurship, institutional capital, and public-private collaboration in Sacramento. As a joint innovation district anchored by UC Davis and designed to catalyze long-term economic growth, Aggie Square reflects the exact ecosystem InvestorFy LLC is built to support—where ideas move from concept to commercialization. Being located there aligns us physically and strategically with founders, researchers, civic leaders, and institutional stakeholders who are shaping the region’s future, reinforcing our commitment to responsible growth, capital readiness, and durable economic development.
Aggie Square
Growth Factory, InvestorFy LLC among firms taking space at Aggie Square's Connect Labs
Aggie Square in Sacramento has seen several firms sign up for space in its Connect Labs coworking area for startup companies, developer Wexford Science & Technology announced Tuesday.
As Aggie Square approaches its first year since opening, the research hub in Sacramento is getting some tenants. Sort of.
Aggie Square
Connect Labs by Wexford Announces New Tenants and Flagship Programming at Aggie Square as Sacramento’s Innovation District Gains Momentum
Connect Labs by Wexford today announced the addition of several new tenants at Aggie Square, underscoring the activation and growing momentum of Sacramento’s university-anchored innovation district.
FEATURED REAL ESTATE RESOURCE
The No Money Millionaire
What If Money Isn't the Only Thing Standing Between You and Opportunity?
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In The No Money Millionaire, real estate investor and author David Webb shares his personal journey and practical strategies for building wealth through real estate, including creative financing, seller financing, and leveraging relationships and resources.
Whether you're exploring your first investment or looking to expand your understanding of real estate, this independent educational resource offers a different perspective on what's possible.
FINANCING BASICS
Which Loan Fits Your Project?
General education only, not an offer of credit. Actual terms depend on the property, the borrower and the market.
Hard-Money
About 10–16% interest, 60–75% of after-repair value, 3–18 months, 1–4 points.
Rehab / Fix-and-Flip
About 8–16%, 65–75% of after-repair value, 3–12 months.
DSCR
About 6–10%, rent covering 1.15–1.35 times the loan payment, 65–80% of value, 3–30 years.
Long-Term Commercial
70–80% of value, 15–30 year amortization.
Construction
65–85% of project cost, interest-only during construction.
Before applying with any lender: know your exit plan, budget and timeline, and expect points, closing costs and underwriting.