Cen Cal Business Finance Group

Cen Cal Business Finance Group Cen Cal Business Finance Group is a certified development company specializing in small business loa

Cen Cal Business Finance Group has been a certified development company since 1984 and we specialize in small business loans to help businesses expand and create jobs. Our extensive lending experience and partnership with financial and technical support organizations makes us an ideal commercial finance partner for your business.

-Use our information and connections to choose the very best for yo

ur business.

-Take advantage of our experience and responsive loan committee to speed your loan application through the approval process.

-Access loan products with historically low interest rates and minimize your down payment.

-Count on us to help you with a fixed interest rate loan, without balloon payment or interest re-sets. We can:

-Connect you with technical support professionals to develop and/or improve the business plan you will need for a successful loan application.

-Assist you with choosing the best commercial lending product for your project;

-Provide you with bank referrals to meet your banking needs;

-Provide you with real estate broker referrals to help you locate and purchase your ideal location;

-Facilitate your loan application through the approval process for the U.S. Small Business Administration’s (SBA) 504 loan program, as well as other loan programs we offer;

-Service your loan locally once it is approved.

April Newsletter
04/20/2026

April Newsletter

March Rates Are Available.
03/09/2026

March Rates Are Available.

01/30/2026

A pair of Fresno firms took top honors at Cen Cal Business Finance Group's 41st annual awards breakfast Wednesday, recognizing their extensive work on real estate projects across the Central Valley and Central Coast. PACT

January 2026 Newsletter
01/13/2026

January 2026 Newsletter

December E-Newsletter
12/18/2025

December E-Newsletter

November 2025 Newsletter504 Loan Type 25-year 20-year 10-yearSBA 504 5.862% 5....
11/12/2025

November 2025 Newsletter

504 Loan Type 25-year 20-year 10-year
SBA 504 5.862% 5.923% 5.652%
SBA 504 Refinance 5.865% 5.926% N/A
SBA 504 Manufacturing 5.620% 5.672% 5.351%
City of Fresno Revolving Loan Fund WSJP + 3% fixed

Rate information: 25-year rates decreased by 6 basis points (0.06). For the first time ever, we have interest rates specifically for Manufacturing customers! These rates are expected to remain lower than the typical 504 loan rates, and manufacturers will also receive a full waiver on the SBA guarantee fee (0.5% fee for all other loans). Rates are not expected to drop much further due to the continued inflation/tariff concerns by the Federal Reserve.

The government shutdown continues to cause obvious concern. We are currently unable to submit new requests for SBA Approval and have not been given an update as to when the shutdown may end. However, we will continue to internally approve new loan requests and be ready to submit for SBA approval as soon as we are able to do so. THANK YOU to all our participating banks for your referrals.

We have 0 approvals for the year due to the ongoing government shutdown. When the SBA reopens expects slower turn times until the back log is absorbed. We appreciate your patience in advance.

The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for commercial 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 to finance up to 85% of the cost of special-use properties, such as cold storage facilities, urgent care, and surgery centers.

Cen Cal Welcomes Clay Appleton, Coastal Loan Officer. We Are Excited to Welcome Clay to Our Team!

Clay brings over 35 years of experience in Commercial Banking and Business Development throughout the coastal region. He earned his Bachelor of Science in Agricultural Business Management from California Polytechnic State University, San Luis Obispo. Throughout his career, Clay has developed extensive expertise in lending, government-guaranteed loans, branch management, and leading high-performing lending teams. His depth of knowledge and leadership experience make him a valuable addition to our organization. We are thrilled to have him on board and look forward to the great contributions he will bring to our team.

Please visit our website at https://cencalfinance.com/
Or on LinkedIn at https://www.linkedin.com/company/cen-cal-business-finance-group

For Additional Information Contact: Joey Gallegos, Fresno
(559) 227-1158

October 2025 NewsletterRates drop slightly.Rate information: 25-year rates decreased by 7 basis points (0.07), while 20-...
10/15/2025

October 2025 Newsletter

Rates drop slightly.

Rate information: 25-year rates decreased by 7 basis points (0.07), while 20-year rates followed the trend, decreasing 3 basis points (.03). The 10-year rates stayed consistent at 5.77%. Rates are not expected to drop much further due to the continued inflation & tariff concerns by the Federal Reserve. Debt refinance continues to be popular with the 504 programs. We can refinance both 7a and 504 debts.

The SBA’s turnaround time for approvals has improved to 5 business days, and servicing action times are at 5 business days. Staff cuts at the SBA have changed how we approve Environmental reports in the near term. Also, the new requirements for clearing Permanent Resident Aliens will also slow approvals for those applicants.

We had 2 SBA approvals in September. Coast Hills Credit Union and Harvest Commercial Capital both had 1 approval each. Year to date, we have 38 approvals. Tri Counties Bank leads with 13 approvals, followed by Community West Bank at 7, FFB Bank at 5, Mission Bank at 3, Valley Strong Credit Union with 3, Premier Valley Bank at 2, and American Rivera Bank, Citizens Business Bank, Celtic Bank, Coast Hills Credit Union, and Harvest Commercial Capital each have one approval. THANK YOU to all our participating banks for your referrals.

The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for commercial 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 to finance up to 85% of the cost of special-use properties, such as cold storage facilities, urgent care, and surgery centers.

Please visit our website at https://cencalfinance.com/

For Additional Information Contact:
Joey Gallegos
Fresno
(559) 227-1158

Cen Cal Welcomes Jeanine M. Davis, Portfolio Officer

Cen Cal is excited to welcome Jeanine, our newest Portfolio Officer, to the team! Jeanine will be based in our Fresno office and brings with her an impressive 25 years of industry experience. Throughout her career, she has specialized in overseeing loan processing, closings, and the servicing of SBA and other government-guaranteed loans—making her a valuable asset to our team. A proud Clovis native, Jeanine was born and raised in the Central Valley. She and her husband have been married for 35 years and are the parents of two sons, one daughter, and one grandson. Please join us in giving Jeanine a warm welcome to the Cen Cal family—we are thrilled to have her on board!

Cen Cal Congratulates Alishia Miles on Becoming a Full-time Credit Analyst

Cen Cal is proud to congratulate Alicia Miles on her promotion to full-time Credit Analyst. Alicia has been a valued member of the Cen Cal team for the past seven years, contributing her expertise and dedication in various loan support roles. We are thrilled to see her take this next step in her career and excited to have her continue growing with us in this new capacity.

September 2025 NewsletterAugust rates are DROP 😊.Rate information: 20 and 25-year rates decreased by 23 basis points (0....
09/16/2025

September 2025 Newsletter

August rates are DROP 😊.

Rate information: 20 and 25-year rates decreased by 23 basis points (0.23), while 10-year rates followed the trend, decreasing to 5.77%. Rates are not expected to drop much further due to the continued inflation & tariff concerns by the Federal Reserve. Debt refinance continues to be popular with the 504 programs. We can refinance both 7a and 504 debts.

The SBA’s turnaround time for approvals has improved to 5 business days, and servicing action times are at 5 business days. Staff cuts at the SBA have changed how we approve Environmental reports in the near term. Also, the new requirements for clearing Permanent Resident Aliens will also slow approvals for those applicants.

We had 8 SBA approvals in August. Tri Counties Bank and Community West Bank both had 3 new approvals in August. Premier Valley Bank and Valley Strong Credit Union both had 1 approval in August. Year to date, we have 36 approvals. Tri Counties Bank leads with 13 approvals, followed by Community West Bank at 7, FFB Bank at 5, Mission Bank at 3, Valley Strong Credit Union with 3, Premier Valley Bank at 2, and American Rivera Bank, Citizens Business Bank, and Celtic Bank each have one approval. THANK YOU to all our participating banks for your referrals.

The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for commercial 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 to finance up to 85% of the cost of special-use properties, such as cold storage facilities, urgent care, and surgery centers.

Cen Cal Business Finance Group would like to congratulate and recognize board member Morgan E. Clayton for receiving an Honorary Doctorate from California State University, Bakersfield.

We are excited to welcome our new intern, Anthony Audino, to the Cen Cal team! Anthony is a senior at California State University, Fresno, and will graduate this spring with a bachelor’s degree in business, majoring in Real Estate and Urban Land Economics. Anthony plans to pursue a career as a real estate agent after graduation. Anthony is a valley native, as he was born and raised in Fresno, California. We are thrilled to have him on board and look forward to his contributions to the team.

We would like to thank our former intern, Austin Tuell, for his hard work and dedication to Cen Cal Business Finance Group. During his year with us, Austin consistently accomplished his tasks with diligence and professionalism. We wish him the very best as he completes his business degree and begins his accounting career at Baker Tilly. Thank you, Austin!

Please visit our website at https://cencalfinance.com/

For Additional Information Contact:

Joey Gallegos
Fresno
(559) 227-1158

SBA Opens Nominations for 2026 National Small Business Week Awards Nominate America’s Great Entrepreneurs in Every State...
09/05/2025

SBA Opens Nominations for 2026 National Small Business Week Awards

Nominate America’s Great Entrepreneurs in Every State

During National Small Business Week, the U.S. Small Business Administration shines a spotlight
on our nation’s 36 million small businesses.

Since 1964, the President of the United States has issued a proclamation announcing National
Small Business Week, which recognizes the critical contributions of America’s entrepreneurs and
small business owners.

NOMINATE your favorite small business!!

Follow, like and subscribe- Fresno District Office on X or LinkedIn for upcoming workshops and resources for your small business.

August 2025 NewsletterAugust rates are stable with a slight decrease.Rate information: 20 and 25 year rates decreased by...
08/13/2025

August 2025 Newsletter

August rates are stable with a slight decrease.

Rate information: 20 and 25 year rates decreased by 14 basis points (0.14), while 10-year rates followed the trend decreasing by 3 basis points (0.03). Rates are not expected to drop much further due to the continued inflation & tariff concerns by the Federal Reserve. Debt refinance continues to be popular with the 504 programs. We can refinance both 7a and 504 debts.

The SBA’s turnaround time for approvals has improved to 5 business days, and servicing action times are at 5 business days. Staff cuts at the SBA have changed how we approve Environmental reports in the near term. Also, the new requirements for clearing Permanent Resident Aliens will also slow approvals for those applicants.

We had 2 SBA approvals in July, Tri Counties Bank and American Rivera Bank, each with one approval. Year to date, we have 28 approvals. Tri Counties Bank leads with 10 approvals, followed by FFB Bank with 5, Community West Bank with 4, Mission Bank 3, Valley Strong Credit Union with 2, and American Rivera Bank, Citizens Business Bank, Premier Valley Bank, and Celtic Bank each have one approval. THANK YOU to all our participating banks for your referrals.

The SBA 504 Real Estate Program continues to be a great way to finance the acquisition and/or construction of commercial real estate for commercial 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 to finance up to 85% of the cost of special use properties, such as cold storage facilities, urgent care, and surgery centers.

Cen Cal Business Finance Group congratulates Debbie Raven & Genesis Wilson for being honored at this year's Top Ten Professional Women Awards

Debbie is the CEO for Valley Small Business Development Corp.(VSBDC), a local non-profit lender. VSBDC provides loans to small farms and small businesses throughout the Valley. She and her family have been active farming in the valley for over half a century. She is also active on many boards, like Ag One at Fresno State, SCORE Advisory Board, Common Threads, Community Salute, and more.

Genesis is the CEO of Dutch Bros Coffee of Fresno and serves on the Fresno Employers Advisory Committee as 1st Vice Chair. Genesis and her husband have grown Dutch Bros Coffee to over 200 employees, and the business continues to grow. Genesis and her family support several local charities.

Please visit our website at https://cencalfinance.com/

For Additional Information Contact:

Lisa Carbajal Joey Gallegos
Bakersfield Fresno
(661) 205-4513 (559) 227-1158

Address

5094 N Fruit Avenue, Ste 103
Fresno, CA
93711

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15592271158

Website

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