Valley First Federal Credit Union

Your local CDFI credit union — from microloans to SBA financing, all under one roof.

Valley First is a U.S. Treasury-certified CDFI and SBA Preferred Lender right here in Modesto, offering one of the broadest ranges of business financing in the county. Whether you need a small microloan to cover inventory, a line of credit to manage cash flow, equipment financing, or a long-term SBA loan to purchase a building, Valley First has products designed for businesses of all sizes and stages. As a credit union, they are member-owned and community-focused — and as an SBA Preferred Lender, their loans are processed faster with less paperwork.

Main Office: 1419 J Street, Modesto, CA 95354

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Valley First Federal Credit Union · CDFI Certified (U.S. Treasury) · Modesto · 12-County Service Area
A CDFI-certified credit union and SBA Preferred Lender offering the broadest range of business financing in the county — from microloans and green energy loans to SBA 504 and commercial real estate.
Product Amount / Range Eligible Uses / Details
Business Microloan & Micro Line of Credit
Business Microloan Up to $50,000 Closed-end loan. Working capital, equipment, inventory, tenant improvements, furniture/fixtures. Not for paying existing debt or purchasing real estate.
Micro Line of Credit Up to $50,000 Revolving line for ongoing small business needs. Same eligibility as microloan. Not for paying existing debt or purchasing real estate.
Requirements
  • Must become a Valley First member ($5 fee + $25 share account)
  • Business must be in operation at least 1 full year
  • Available in all 12 counties Valley First serves
  • Eligible industries: Manufacturing, Service, Retail, Agribusiness Support, Professionals
  • Documents: 1–2 yrs business tax returns, 1–2 yrs personal tax returns, personal financial statement, summary of business debts and income
Commercial Loans & Lines of Credit
Tenant / Leasehold Improvement Loan Contact lender Improvements to leased commercial space
Working Capital Loan Short- or long-term Day-to-day operations, cash flow needs
Business Line of Credit Revolving Inventory financing, seasonal cash needs, general opportunities. Especially useful for seasonal businesses.
Debt Refinancing Contact lender Refinancing existing business debt
Equipment / Machinery Loan Contact lender Purchase and installation of machinery and equipment
Furniture, Fixtures & Supplies Contact lender Business furnishings and operational supplies
Inventory Financing Contact lender Finance product inventory
Business Expansion Loan Contact lender Funding for growth and expansion
Commercial Real Estate Loans
Owner-Occupied CRE Loan Contact lender Acquire, refinance, or improve owner-occupied commercial real estate
Non-Owner Occupied CRE Loan Contact lender Investment / non-owner-occupied commercial properties
Commercial Term Loan or Line of Credit Contact lender Term and line options for real estate purposes
Vacant Lot Purchase Contact lender Commercially zoned empty lot purchases
SBA Loans — Preferred Lender Program (faster approvals, less paperwork)
SBA 7(a) Loan Contact lender — Varies (SBA program) Working capital, debt refinance, furniture/fixtures/supplies, business acquisition, start or expand, and other eligible business purposes.
SBA 504 Loan Contact lender — Varies (SBA program) Purchase, construction, or improvement of facilities; long-term equipment; land, buildings, parking lots, and other eligible fixed assets.
Commercial Green Loan Program
Commercial Green Loan Contact lender — Competitive rates & flexible terms Solar, energy-efficient lighting and HVAC, smart building technology, battery storage, demand response, and other eligible energy-efficiency improvements.
Business Banking Products (deposit & spending)
Business Checking N/A – deposit product Daily transactions; also Impact Checking (nonprofits) and Non-Profit Checking
Business Cash Back Credit Card Contact lender Cashback on business purchases
Business Money Market N/A – deposit product Grow business funds with higher earnings
Business Share Certificate N/A – deposit product Savings with flexibility and higher earnings
Business Debit Card N/A – spending product Convenient everyday business spending
Autobooks N/A – software tool Invoicing and accounting integrated with business checking
Contact — Stanislaus County Area:
Carlos Villapudua, VP Commercial Banking
cvillapudua@valleyfirstcu.org
Source: valleyfirstcu.org/business-microloan-micro-line-credit · /commercial-loans-and-lines-credit · /commercial-green-loan-program · /sba-business-loans
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