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Loans to start-up businesses will be considered on a case by case basis. We also ask that you include notes with your projections that explain in detail how you arrived at all sales, cost and expense figures. Unable to load Tweets Follow. Will I need collateral to qualify for a loan under this program? Diretor na Anora Campo. Loans approved under this program will be at a fixed rate of interest with extended maturities. Cen Cal works with many banks and non-bank lenders and will help you locate the one that best suits the financing of your business. We look at your experience in the industry their company will be competing in. This is a loan program that is sponsored by the U. Does that mean that I have two loans? We will ask you to prepare projections that provide an analysis of future sales, cost and expenses for the first 12 to 18 months of operation. There is no cost to making an application. If your Company has been in business for 12 months or longer and is located in Fresno, Kings or Madera counties you are eligible for financing.

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