Start With the Capital Gap
Marysville Businesses Have a Local Loan Program That Can Fill Needs Banks Do Not Always Cover
Business financing in Marysville is not limited to national banks, online lenders, or generic statewide programs. The Yuba-Sutter Economic Development Corporation (YSEDC) currently operates a local business loan program for qualifying for-profit companies in Yuba and Sutter counties. That matters because the program can finance expenses that are common for ordinary owner-operated businesses: startup costs, equipment, working capital, tenant improvements, real estate, inventory, wages, marketing, and even the purchase of an existing business.
For a Marysville owner, the useful question is not simply, “Where can I get a loan?” It is what kind of underwriting evidence supports this particular need? A startup with strong owner income and credit may have a very different path from an established repair shop with three years of cash flow, a contractor buying a truck, or a retailer trying to bridge a seasonal inventory cycle.
New Business
Owner credit, outside income, equity contribution, experience, budget, projections, and collateral can matter more than company history.
Operating Business
Revenue, margins, tax returns, bank statements, debt service, and the reason for borrowing become more important as operating history develops.
Asset Purchase
Equipment, vehicles, machinery, or real estate can support a more structured financing approach because the asset itself has identifiable value.
Local Direct Lending
Yuba-Sutter Economic Development Corporation Publishes Business Loans of Roughly $25,000 to $150,000
YSEDC’s current business-loan FAQ states that eligible borrowers include private, for-profit businesses located in Yuba and Sutter counties. The organization currently publishes a typical minimum loan amount of $25,000 and a general maximum of $150,000. Its published fixed interest-rate range is 8% to 10%, with final pricing influenced by the project, application strength, and collateral position.
This is repayable financing, not a grant. YSEDC underwrites the borrower, charges fees, evaluates collateral, and expects the project to support repayment and job creation or retention. That makes the program more comparable to a mission-oriented local lender than to a giveaway program.
| Current YSEDC Feature | Published Program Detail | What It Means for a Marysville Borrower |
|---|---|---|
| Typical loan size | $25,000–$150,000 | Useful for needs too large for a small credit card but below many larger bank-project thresholds |
| Interest rate | Currently 8%–10%, fixed | Compare the all-in cost with bank, SBA, equipment, and other alternatives |
| Startup equity | At least 20% | Founders need meaningful cash or eligible equity in the project |
| Existing-business equity | At least 10% | Operating companies may have a lower published equity threshold |
| Collateral | Generally at least $1 of collateral for each $1 borrowed | Assets and lien position can materially affect fit |
| Application fee | $250 non-refundable | There is a real upfront application cost |
| Loan fee | Approximately 2% plus related costs | Budget for legal, appraisal, title, recording, credit, or environmental costs where applicable |
| Decision timing | Generally within 30 days after a complete package | Incomplete files can extend the process |
YSEDC lists eligible uses that include land and building purchases, machinery and equipment, business acquisitions, tenant improvements, working capital, inventory, supplies, wages, marketing, advertising, debt refinance, and startup costs. That breadth is valuable because many Marysville projects involve a mix of fixed assets and working capital rather than one clean purchase.
Review YSEDC’s current business-loan FAQ before relying on any published rate, limit, fee, or eligibility rule. Program terms can change, and the actual transaction still has to satisfy underwriting.
Startup Equity Changes the Conversation
A Marysville Startup Seeking Local Gap Financing Should Plan for Its Own Capital Contribution
One of the most important YSEDC details for a startup is the published minimum owner-equity requirement of 20% of the project. That can change how a founder should build the budget. If the total project is $100,000, a 20% equity requirement implies that the owner should be prepared to show roughly $20,000 of qualifying equity before considering how the remaining financing is assembled.
That does not mean every $100,000 startup project will receive an $80,000 YSEDC loan. The final structure depends on underwriting, collateral, other lenders, project feasibility, job impact, and program rules. It does mean that a founder who expects a local lender to finance 100% of the launch may be building the request incorrectly from the start.
What Can Strengthen the Startup File
- Cash invested by the owner
- Relevant industry experience
- Realistic startup budget
- Vendor and contractor quotes
- Conservative cash-flow projections
- Collateral with identifiable value
- Strong personal credit and manageable debt
- Clear evidence of how the business reaches break-even
What Can Weaken the Request
- No owner cash committed to the project
- Vague “working capital” with no budget
- Revenue projections unsupported by pricing or capacity
- High existing debt
- Insufficient collateral for a collateral-sensitive program
- Large buildout costs with no contingency reserve
- Borrowing sized around best-case first-year sales
Owner-Backed Capital Can Move Earlier
Personal Term Loans and Credit Stacking Can Fit Before a New Marysville Business Has Revenue
A pre-revenue startup can be too young for conventional business underwriting and still have a financially strong owner. When the founder has good to excellent personal credit, steady verifiable income, manageable existing obligations, and a clear budget, startup personal term loans can provide a defined lump sum without requiring years of business revenue.
For more flexible card-payable costs, personal credit stacking can create revolving capacity across multiple accounts. This path can include introductory purchase-APR opportunities for qualified borrowers, but the balances remain personal debt and promotional periods eventually end. It is a weak fit when the owner expects only a lump-sum cash deposit or has no realistic plan to reduce balances before higher standard rates apply.
| Owner-Backed Path | Often Fits | Important Constraint |
|---|---|---|
| Personal term loan | Known startup budget, deposits, opening costs, reserve | Requires verifiable personal repayment capacity |
| Personal credit stacking | Card-payable purchases made over time | Utilization, inquiries, multiple accounts, and promo deadlines require discipline |
| Personal line of credit | Uneven recurring owner-backed needs | Availability, rates, and draw terms vary by lender |
| Business credit stacking | Registered company seeking revolving business accounts | Owner credit and personal guarantees often still matter |
Owner-backed financing can also complement local lending rather than replace it. A founder might use personal capital for deposits, insurance, software, and small tools while reserving YSEDC or equipment financing for larger assets. The sequence matters because new personal debt and revolving balances can affect later underwriting.
Do Not Use One Loan for Every Expense
Marysville Equipment Financing Works Best When the Asset Has a Long Useful Life
Contractors, repair shops, delivery companies, restaurants, salons, and other local businesses often need durable assets before they need broad working capital. A truck, lift, compressor, commercial refrigerator, diagnostic system, trailer, salon equipment package, or production machine can be easier to finance when the purchase itself is clearly identified.
Marysville equipment financing can preserve unsecured capital for expenses that do not have collateral behind them. It also helps avoid a common mistake: using short-term revolving debt for an asset that will be used for five or seven years.
Vehicles
Work vans, service trucks, trailers, delivery vehicles, and specialty vehicles can support asset-specific underwriting.
Trade Equipment
Construction, electrical, HVAC, automotive, fabrication, and repair equipment can often be separated from general startup costs.
Restaurant Assets
Refrigeration, ovens, prep equipment, dish systems, and other durable kitchen assets may justify a different structure than food inventory and payroll.
StartCap’s construction startup financing resource explains why contractors often benefit from separating equipment and vehicles from materials, payroll, and the customer-payment cycle. The same principle applies to many Marysville owner-operated businesses.
Use Revolving Capital for a Revolving Problem
A Business Line of Credit Fits Marysville Companies With Repeatable Short-Term Cash Gaps
A line of credit is not automatically the best working-capital product. It is strongest when the business has a recurring need that turns back into cash: materials paid before a progress draw, payroll before customer receivables, inventory bought before a known selling season, or emergency repairs that protect near-term revenue.
Marysville business lines of credit can become more realistic after the company establishes revenue and bank activity. Conventional lenders may review business tax returns, profit-and-loss statements, bank statements, existing debt, receivables, and the owner’s guaranty profile. Newer companies can have fewer options because the lender cannot yet see whether the cash cycle repeats reliably.
| Need | Often Better Fit | Why |
|---|---|---|
| Materials for jobs paid after completion | Business line of credit | The draw can be repaid when the customer pays |
| One-time vehicle or machine purchase | Equipment financing | The asset supports a longer repayment horizon |
| Defined startup package | Term loan, local loan, or owner-backed financing | One-time costs can match a fixed amount and schedule |
| Recurring inventory cycle | Line of credit or other revolving facility | Capital can be reused as inventory converts to sales |
| Permanent monthly losses | Operational correction before more borrowing | Debt cannot fix a business model that consistently loses cash |
Federal Lending Can Cover the Middle Ground
SBA Financing Can Support Startups, Acquisitions, Working Capital, Equipment, and Real Estate
SBA loans in Marysville are made by approved lenders and intermediaries, with SBA support reducing part of the lender’s risk. They are not grants and StartCap is not the lender. The borrower still has to show a credible repayment path and satisfy the lender’s underwriting.
SBA Microloan
Can fit smaller startup, inventory, equipment, and working-capital needs through approved nonprofit intermediaries.
SBA 7(a)
Broad-use financing that can support working capital, acquisitions, equipment, and eligible real-estate or business-purpose costs.
SBA 504
Designed primarily around major fixed assets such as owner-occupied real estate and substantial long-lived equipment.
A startup SBA package can require more preparation than owner-backed unsecured financing. The lender may want personal financial statements, owner resumes, projections, business plans, leases, vendor quotes, equity contribution evidence, collateral information, and a detailed sources-and-uses schedule. Established companies add historical business tax returns and cash-flow evidence.
SBA financing can be attractive when the project needs a longer repayment horizon, but speed is not its strongest feature. A borrower who needs money next week for a time-sensitive supplier payment may need a different path than a business purchasing a building or acquiring an established company.
California Can Help the Lender Say Yes
California SSBCI Programs Support Loans Through Guarantees, Collateral Support, Capital Access, and Participation
California’s State Small Business Credit Initiative does not operate as one universal direct loan or grant. The state uses several structures that can encourage participating financial institutions to extend credit to qualifying small businesses.
Current California programs include CalCAP for Small Business, CalCAP Collateral Support, the CalCAP Statewide Loan Participation Program, and IBank’s Small Business Loan Guarantee. For borrowers, the practical point is that these mechanisms can address different lender concerns: insufficient collateral, risk concentration, loan-loss protection, or the need to share part of a larger credit exposure.
| California Support | What It Does | What It Does Not Do |
|---|---|---|
| CalCAP for Small Business | Creates lender loan-loss-reserve support for eligible loans and lines of credit | Does not eliminate lender underwriting |
| CalCAP Collateral Support | Can provide a cash pledge when a borrower is otherwise strong but lacks enough collateral | Is not an unrestricted cash payment to the business |
| Statewide Loan Participation | Allows the state program to participate in eligible financing with participating community lenders | Does not mean every California business receives state money directly |
| IBank Small Business Loan Guarantee | Can guarantee a portion of eligible lender financing | Does not guarantee the borrower’s approval |
The California Treasurer currently describes CalCAP for Small Business as supporting microloans and loans or lines of credit up to $5 million, while CalCAP Collateral Support can support eligible loans and lines from $25,000 to $20 million. IBank’s loan-guarantee structure can address qualifying loans and lines up to $20 million, subject to program and lender rules.
A Regional Lender Has Another Direct Option
California Capital FDC Currently Lists Direct Small-Business Loans for Yuba County
California Capital FDC currently lists Yuba County among the counties served by its direct small-business lending. Its published lending-center information includes microloans up to $50,000 and small-business loans up to $150,000 for qualifying businesses in Yuba County.
That can matter for a Marysville entrepreneur who needs mission-oriented financing but does not fit YSEDC’s exact structure or wants to compare more than one community-lending path. California Capital also administers loan-guarantee support with partner banks, so its role can vary depending on the transaction.
Direct Lending
The nonprofit lender can make a qualifying term loan directly under its applicable program rules.
Loan Guarantee
A partner lender makes the loan while a California guarantee can reduce part of the lender’s risk. The guarantee is not borrower cash.
California Capital’s lending center should be checked for current county coverage, loan sizes, program availability, and application requirements before a borrower builds a plan around it.
Business Type Changes the Best Capital Mix
Marysville Contractors, Restaurants, Retailers, and Service Businesses Do Not Borrow for the Same Reasons
Contractor or Trade Business
Typical needs: truck, trailer, tools, insurance, payroll, fuel, and materials before progress payments.
Possible mix: equipment financing for the truck and durable gear, owner-backed startup capital for opening costs, then a line of credit after repeatable job cash flow develops.
Restaurant or Food Business
Typical needs: buildout, refrigeration, cooking equipment, deposits, food inventory, training payroll, and opening reserve.
Possible mix: equipment financing, local or SBA term debt for broader project costs, and enough equity to absorb delays without immediately maxing revolving credit. See StartCap’s restaurant startup financing resource.
Retail or Ecommerce Seller
Typical needs: opening inventory, fixtures, POS, packaging, ads, website, and seasonal reorders.
Possible mix: startup term financing for setup, controlled revolving credit for purchases that turn quickly, and later a business line if the inventory cycle proves repeatable.
Salon or Personal-Service Business
Typical needs: tenant improvements, chairs or stations, equipment, software, insurance, supplies, deposits, and early marketing.
Possible mix: equipment or term financing for setup, personal capital for smaller launch costs, and modest working capital rather than oversized long-term debt.
Build the File Before You Pick the Lender
Marysville Loan Documentation Should Match the Underwriting Story
A clean funding request explains three things: what the money will buy, what proves repayment, and why this financing structure fits the expense. The paperwork changes depending on the product.
| Funding Path | What Usually Supports Approval | Documents to Prepare |
|---|---|---|
| Personal term loan | Personal credit and verifiable income | ID, residency, income records, personal financial information |
| YSEDC loan | Project feasibility, equity, collateral, repayment, and job impact | Application, ownership information, financials, use of funds, collateral details, equity evidence, quotes, projections |
| Equipment financing | Asset value plus borrower payment capacity | Vendor quote, equipment description, purchase price, down payment, business and owner information |
| Business line of credit | Repeatable revenue and cash conversion | Bank statements, tax returns, P&L, balance sheet, debt schedule, receivables where relevant |
| SBA or bank loan | Full debt-service and project feasibility | Tax returns, owner financials, business plan or projections, lease, quotes, purchase agreement, sources and uses |
| California-supported lender loan | Underlying lender approval plus program eligibility | Lender package plus any program-specific forms or collateral information |
StartCap’s startup loan document checklist breaks down the personal, company, financial, planning, and use-of-funds records borrowers commonly need before applying.
Technical Assistance Is Not Loan Proceeds
Sacramento Valley SBDC Can Help Marysville Owners Prepare for Capital Without Acting as the Lender
California’s small-business technical-assistance network includes SBDC services that can help entrepreneurs with planning, projections, financial management, and capital readiness. Yuba County has also partnered with Sacramento Valley SBDC on startup education in prior programs.
That assistance can materially improve a funding package, but it should not be described as direct financing. An advisor can help a founder pressure-test pricing, organize projections, refine a business plan, or understand lender expectations. The lender or funding program still controls approval, loan amount, rate, collateral, guarantees, and disbursement.
Good Use of Advising
- Build a realistic 12-month cash-flow forecast
- Separate startup costs from recurring operating needs
- Check whether gross margin supports the proposed payment
- Organize lender-ready financial documents
- Compare financing structures before applying
What Advising Does Not Mean
- No automatic approval
- No guaranteed grant
- No promise of a specific rate
- No substitute for collateral or equity when a lender requires them
- No waiver of the lender’s repayment test
Borrower Scenario
A Marysville Mobile Repair Business Needs a Van, Tools, and Enough Cash to Survive Slow Customer Payments
A mechanic with strong industry experience plans a mobile repair business serving customers across the Marysville–Yuba City area. The startup budget includes a used service van, diagnostic equipment, specialty tools, insurance, initial parts inventory, software, branding, and roughly two months of operating reserve.
Financing the whole project with revolving credit could create high utilization before revenue stabilizes. A more balanced approach could finance the van and major equipment separately, use owner-backed term financing or a local startup-capable loan for broader opening costs, and keep a smaller revolving limit available for parts that turn back into cash after each job.
Borrower Scenario
A Small Bakery Should Separate Buildout, Equipment, and Opening Working Capital
A first-time bakery owner leases a modest Marysville storefront and needs electrical work, counters, ovens, refrigeration, display cases, permits, initial ingredients, packaging, insurance, and payroll for training before opening. The owner has savings but does not want to spend every dollar before the first sale.
The durable kitchen assets can be evaluated for equipment financing. A local YSEDC loan or SBA structure may fit a larger package if the owner can meet equity, collateral, documentation, and repayment requirements. Personal term financing may help cover other launch costs when the owner has strong credit and outside income. The key is preserving enough liquidity for the first months instead of using every available dollar on construction and equipment.
Long-Lived Assets
Ovens, refrigeration, and display equipment can justify a longer repayment structure tied to useful life.
Short-Lived Costs
Ingredients, packaging, launch payroll, and marketing should not be financed as though they will produce value for seven years.
Choose by Repayment Source
The Best Marysville Business Loan Is the One the Borrower Can Clearly Explain and Repay
| If This Is the Strongest Evidence | Funding Paths Worth Evaluating | Main Caveat |
|---|---|---|
| Strong personal credit and income, little business history | Personal term loan, personal credit stacking, personal line | Owner remains personally responsible |
| Owner equity, collateral, viable local project | YSEDC local business loan | Fees, collateral, equity, job, and underwriting requirements apply |
| Valuable truck, machinery, or equipment purchase | Equipment financing | Funds are tied to the asset |
| Established recurring cash flow | Business term loan or line of credit | Historical performance and debt service matter |
| Larger documented startup or expansion project | SBA 7(a), local lending, bank financing with California support | More paperwork and generally slower process |
| Good transaction except for collateral or lender risk concern | CalCAP, IBank guarantee, participation structure | Must work through participating lender/program channel |
Borrowers should compare APR, fees, payment frequency, term, collateral, personal guarantees, prepayment rules, and total repayment. A lower monthly payment can hide a longer and more expensive repayment period, while a fast approval can be poor financing if the payment schedule does not fit the cash cycle.
Go Deeper
Marysville Business Loan & Startup Funding Resources
Marysville Borrower Questions
Questions & Answers About Marysville Business Loans and Startup Funding
Does Marysville have a local business loan program?
Yes. Yuba-Sutter Economic Development Corporation currently offers repayable business loans to qualifying for-profit businesses in Yuba and Sutter counties, including Marysville. Its published uses include startup costs, working capital, equipment, real estate, tenant improvements, inventory, wages, marketing, acquisitions, and certain refinancing needs.
How much does YSEDC currently lend?
YSEDC currently publishes a typical minimum loan amount of $25,000 and a general maximum of $150,000. Actual approval depends on the borrower, project, collateral, repayment ability, and program rules.
What rate does YSEDC publish?
Its current FAQ lists fixed interest rates in the 8%–10% range, with pricing influenced by project need, application strength, and collateral position. Borrowers should confirm current terms directly before applying.
Can a brand-new Marysville business qualify for YSEDC financing?
Potentially, yes. YSEDC lists startup costs among eligible uses, but startups must satisfy the program’s underwriting and currently face a published minimum owner-equity requirement of 20%.
Why does the equity requirement matter?
It means the founder should expect to contribute meaningful capital rather than asking the local program to finance the entire project. Owner equity also reduces leverage and gives the lender more cushion if the startup ramps slowly.
Does YSEDC require collateral?
The current FAQ states that applicants generally must pledge at least $1 in collateral for each $1 borrowed, with acceptable collateral potentially including real estate, machinery, equipment, fixtures, or vehicles. The exact collateral package depends on the transaction.
Is the YSEDC program a grant?
No. It is a loan program with repayment, underwriting, fees, collateral expectations, and other requirements. Treating it as free startup money would be inaccurate.
What fees are currently published?
YSEDC currently lists a $250 non-refundable application fee plus loan fees of approximately 2% of the loan amount, along with transaction-related costs such as legal, appraisal, title, recording, credit, or environmental expenses when applicable.
How fast can a YSEDC loan be approved?
YSEDC currently says applications are generally approved or declined within about 30 days after receiving a complete application package. That is a decision timeline, not a guarantee that every loan will close or fund within 30 days.
What can slow the process?
Missing financial statements, unclear use of funds, incomplete ownership information, collateral questions, appraisals, environmental review, legal documentation, or other lender follow-up can extend the transaction.
Can I fund a Marysville startup with personal credit?
Yes. A founder with qualifying personal credit and adequate repayment capacity may have owner-backed options before the company has enough history for conventional business underwriting.
When can a personal term loan fit?
A personal term loan can fit a defined lump-sum startup budget when the owner has steady verifiable income and can support the monthly payment personally.
When can credit stacking fit?
Credit stacking can fit card-payable expenses that occur over time, but inquiries, utilization, multiple account payments, promotional periods, and the owner’s future credit needs should be planned before applications begin.
When should a Marysville business use equipment financing?
Equipment financing is often a better fit when the business is buying a durable, identifiable asset such as a work vehicle, machine, commercial kitchen item, or specialized trade equipment.
Why separate equipment from working capital?
Using asset financing for a long-lived purchase can preserve cash and unsecured borrowing capacity for payroll, insurance, marketing, materials, and other expenses that cannot secure their own financing.
When does a Marysville business line of credit make sense?
A business line of credit makes sense when an operating company has a repeatable short-term cash gap and a clear event that repays each draw. Common examples are materials before customer payment, payroll before receivables, or inventory bought ahead of a known sales cycle.
What if the balance never gets paid down?
A line that remains permanently maxed out can indicate chronic cash-flow weakness. More revolving debt may delay the problem rather than solve it.
Can a Marysville startup qualify for an SBA loan?
Yes, some startups can qualify for SBA-backed financing when the owner, project, equity contribution, documentation, collateral position, and repayment case satisfy the lender.
What may a startup SBA lender ask for?
Expect a fuller package that can include personal financial statements, projections, business plan information, owner experience, leases, vendor quotes, equity evidence, collateral information, and a detailed use-of-funds schedule.
What is California SSBCI and can I apply directly for cash?
California SSBCI is a collection of state-supported capital programs, not one universal direct cash grant. Current structures include capital access, collateral support, loan participation, and IBank loan guarantees delivered through participating lenders and program partners.
Who actually makes the loan?
Depending on the program, a participating bank, credit union, CDFI, community lender, or other approved provider underwrites and originates the financing. The state support reduces or shares lender risk.
Does state support guarantee my approval?
No. The business still has to qualify under the lender’s credit standards and the applicable program rules.
Does California Capital FDC lend in Yuba County?
Yes. California Capital currently lists Yuba County among the counties served by its direct small-business lending programs. Its published information includes microloans up to $50,000 and small-business loans up to $150,000 for qualifying borrowers in covered counties.
How is that different from a loan guarantee?
With direct lending, California Capital is the lender under the applicable program. With a guarantee structure, a partner financial institution makes the loan and California support reduces part of the lender’s risk.
Does the SBDC give Marysville businesses loans or grants?
Generally, no. SBDC services are technical assistance: business planning, financial management, projections, market research, capital readiness, and similar advising. A separate lender or grant program controls actual funding.
Why use an advisor before applying?
A lender-ready budget, cleaner projections, and a precise use-of-funds schedule can help a borrower choose a more appropriate product and avoid wasting applications on financing that does not fit the stage of the business.
What documents should I gather before applying for Marysville business financing?
Prepare documents that prove identity, ownership, financial strength, use of funds, and repayment capacity. The exact file depends on whether the application is personal, local-program, equipment, bank, line-of-credit, or SBA financing.
What is a practical starting checklist?
Gather government ID, formation documents if applicable, bank statements, tax returns, current debts, ownership information, a startup or project budget, vendor quotes, leases, projections, collateral records, and evidence of owner equity where a program requires it.
Does StartCap lend directly to Marysville businesses?
No. StartCap is a financing consultant, not a lender. StartCap helps owners compare realistic funding paths and coordinate applications across appropriate lenders and credit providers.
Why does funding sequence matter?
New inquiries, installment payments, revolving balances, liens, personal guarantees, and lender filings can change the borrower’s next financing opportunity. A multi-product plan should be sequenced before applications begin.
Build the Capital Stack Around the Business, Not the Approval
Marysville Owners Can Combine Local Lending With the Right Private and Government-Supported Financing
Marysville has a meaningful local advantage: YSEDC currently publishes a real business-loan program for Yuba and Sutter County companies, including startups. But local availability does not make that program the right answer for every borrower. Its equity, collateral, fee, repayment, and job requirements need to fit the project.
A contractor buying a truck, a bakery building out a storefront, an ecommerce seller buying inventory, and an established repair shop bridging receivables should not use the same capital structure. The strongest plan can combine owner-backed financing, equipment loans, YSEDC lending, SBA financing, a business line of credit, or California-supported lender programs at different stages.
The goal is not the largest total approval. It is enough well-structured capital to complete the project, preserve operating cash, keep payments realistic, and leave room for the next financing need.
Program note: YSEDC business-loan terms, California Capital FDC county coverage, California SSBCI structures, and regional technical-assistance information were reviewed September 14, 2026. Loan limits, rates, fees, eligibility, participating lenders, service areas, and program availability can change.
