Grants and Loans Programs

Grant and Loan Programs

The Office of Economic and Workforce Development (OEWD) and our community partners offer small business consulting services and access to capital in the form of grants and affordable and flexible loan products. 


Grants for


Loans - funded by various sources including the City, community lending circles, crowd sourcing, and community lenders to meet the needs of entrepreneurs at different stages of their growth. 


Accessibility Grants

The program provides resources and supports small businesses Citywide on how to comply with the federal Americans with Disabilities Act (ADA). The program provides eligible businesses that have received Certified Access Specialist (CASp) reports in Invest in Neighborhood corridors micro-grant funding and loans to remove accessibility barriers. For more information, contact program partner Lily Lo at the Northeast Community Federal Credit Union at

Bookstore SF Grant

Our city is home to over sixty (60) independent and unique bookstores. The Bookstore Grant Program assists San Francisco’s independent bookstores with retaining their spaces and strengthening their businesses. For more information, contact Also, read the first full report on the impact the Bookstore Program has had in its first year.


Disaster Relief

OEWD’s Disaster Relief Fund program provides emergency capital to small businesses impacted by disasters to get businesses back up and running. The program is part of comprehensive business assistance response which includes emergency response, interagency assistance, and small business resources and loans. Click here for more information or contact



Provides concentrated and personalized assistance to address food access needs and create thriving neighborhoods. Free, personalized services help corner store owners become healthy food retailers by providing workshops, orientations, one-on-one consulting and other business tools to strengthen their operations. More Information


Historic Preservation Grants

With input from the Historic Preservation Fund Committee (HPFC), OEWD provides grants for preservation-related work in San Francisco, including education, feasibility studies, research and documentation, and the nomination of properties to state and federal registers. Applications for funding are accepted on a rolling basis.  More Information

Legacy Business Program

Through the Legacy Business Historic Preservation Fund, Legacy Businesses on the Legacy Business Registry may receive Business Assistance Grants of up to $500 per full-time equivalent employee per year, while landlords who extend the leases of such businesses for at least 10 years may receive Rent Stabilization Grants of up to $4.50 per square foot of space leased per year. 

Façade Grants

In an effort to improve the City’s business corridors, OEWD provides grants, design assistance and project management though the SF Shines programs to improve storefront façades and business interiors. More Information

Women Entrepreneurs

OEWD works with several nonprofit partners to provide a variety of business programs for women who are aspiring entrepreneurs or are business owners in San Francisco. Visit Women Entrepreneurs Programs to learn more and apply for services.

San Francisco Small Business Revolving Loan Fund

The City-sponsored Revolving Loan Fund (RLF) is administered by Main Street Launch, a nonprofit organization committed to serving new and existing businesses by providing access to capital, including micro loans, and technical assistance. Loans range from $10,000-$50,000.

  • Interest rates on RLF microloans are fixed; Invest in Neighborhoods commercial businesses receive 3.5% interest rate, other areas the rate is adjusted to Prime + 4% (~9.25% as of 10/17/2018)
  • Up to 10 year loan amortization; no prepayment penalty
  • RLF microloans can be used for start-up expenses, furniture, fixtures, equipment, tenant improvements, working capital, and marketing
  • Preliminary parameters for borrower eligibility are as follows:
    • A RLF borrower must operate a business that is located within the boundaries of the City and County of San Francisco, and
    • A RLF borrower must create or retain at least one full-time equivalent job

For more information, please call Karla De Leon 510-830-3226 or to schedule a 20-30 minute eligibility phone call.

San Francisco Emerging Business Loan Fund

The Emerging Business Loan Fund offers loans ranging from $50,000 to $250,000 to qualifying commercial projects. The purpose of the Emerging Business Loan Fund is to originate commercial loans that support high impact businesses and projects with the potential to increase economic activity in San Francisco as well as create jobs for low to moderate income individuals. Community lender, Main Street Launch, manages the Emerging Business Loan Fund for the City and County of San Francisco.

  • Interest Rates: Adjusted to Prime + 4% (~ 7.75%), No application fee, low closing costs
  • Up to 10 year loan amortizations, longer with real estate
  • Flexible underwriting criteria, eligible uses include: working capital, equipment, real estate, and tenant improvements

For more information, please call Karla De Leon 510-830-3226 or  Visit Main Street Launch's website at

Additional Community Loan Products and Technical Assistance

  • Up to $50,000 with five-year loan terms, 8-10% interest rates and consulting for the term of the loan - Working Solutions gets to know all of their clients before and after they fund their loans so that they can develop tailored mentorship and coaching plans for your business’ needs.
  • ITIN holders are encouraged to apply – Mission Economic Development Agency’s Adelante Fund offers loans up to $100,000.
  • Microloans of up to $50,000 with two- to four-year loan terms - Southeast Asian Community Center provides Small Business Administration (SBA) 7(m) microloans. Typically, the business applicant will have been unable to qualify for a conventional bank loan. No lines of credit. For more information, contact 415-885-2743 or e-mail
  • Zero-fee, zero interest credit building social loans - Mission Asset Fund helps clients participate in lending circles. By organizing low-income community members into Lending Circles, borrowers become lenders and lenders become borrowers. For more information contact MAF at 888-274-4808,, 3269 Mission Street, San Francisco, California 94110
  • Crowdfunding zero-interest loans of up to $10,000 - Kiva helps entrepreneurs access zero-interest loans to launch or expand their micro-enterprise. Endorsements are not necessary to access Kiva loans, but loans endorsed by trustees have more credibility with Kiva lenders and so typically fundraise more quickly. For more information, visit the Office of Small Business at San Francisco City Hall, room 110, or contact them at 415-554-6134 or
  • Credit Unions– credit unions are member-owned financial cooperatives operated for the purpose of providing credit at competitive rates and providing financial services to its members. 
    • San Francisco Federal Credit Union
    • SF Fire Credit Union
    • Northeast Community Federal Credit Union
  • Credit Repair – for help accessing your credit report or repairing your credit,
  • Up to $250,000 to qualifying small businesses in growth phase with annual revenues between $250,000 and $5 million. For more information, contact Pacific Community Ventures at 415-442-4300.
  • Real Estate Financing – for funding to help purchase your building, consider a Small Business Administration (SBA) 504 loan.  Contact any one of these Certified Development Companies (CDCs) for more information

Loan Preparation

For free technical assistance packaging a loan application, contact a San Francisco Small Business Development Center financial consultant who will help you explore the following topics:

  • Business Planning
  • Is a Loan the Right Answer?
  • Personal Finances
  • Credit