AMPAC Tri-State CDC, Inc.
AMPAC Tri-State CDC, Inc. is an active SBA lender in California, a development company offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 67 Google reviews.
$950M
in SBA approvals since 2010
1,187
SBA loans funded
Manufacturing · Wholesale & Distribution · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About AMPAC Tri-State CDC, Inc.
AMPAC Tri-State CDC, Inc. offers specialized SBA financing solutions tailored to small businesses seeking growth capital. Their services include SBA 7(a) loans designed to support business expansion, working capital, and equipment purchases. With a focus on community development, they provide flexible loan options to help entrepreneurs achieve their goals. The institution is committed to fostering economic growth in the Ontario, CA area by offering accessible funding options and personalized support. Their team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Whether you're a startup or an established business, AMPAC Tri-State CDC, Inc. aims to be a reliable partner in your financial journey, leveraging SBA programs to maximize your borrowing potential and facilitate business success.
Serves SBA borrowers in 2 states
AMPAC Tri-State CDC, Inc. has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries AMPAC Tri-State CDC, Inc. finances
Business types AMPAC Tri-State CDC, Inc. actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about AMPAC Tri-State CDC, Inc.
What is this place and what can I find here?
This is a financial institution offering SBA-backed loans to small businesses in the Ontario area. You can find information about loan options, application processes, and support services tailored to your business needs.
Do I need an appointment or can I walk in?
You can schedule an appointment or visit the location during business hours for assistance. Walk-ins are welcome, but appointments are recommended for personalized service.
What are the hours of operation?
The hours of operation are typically Monday through Friday, 9 am to 5 pm. It's best to call ahead to confirm current hours or schedule an appointment.
Is there a fee to use this?
There are no fees to inquire about or apply for SBA loans, but specific loan terms and processing fees may apply depending on the loan type.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners and entrepreneurs within the region who meet the SBA eligibility criteria.
Can a non-bank entity provide financing if my personal credit score is below 640?
Yes — non-bank lenders like AMPAC Tri-State CDC, Inc. often work with borrowers whose personal credit falls below the 640 mark that many banks treat as a floor. They tend to weigh business cash flow, time in operation, and overall fit alongside your credit score. Approval and terms still depend on your full profile, so ask AMPAC Tri-State CDC, Inc. what minimum it looks for.
Is the loan application and validation pipeline fully digital with this provider?
Many non-bank lenders run a largely online process — application, document upload, and verification handled digitally, often with faster decisions than a traditional branch. Whether AMPAC Tri-State CDC, Inc.'s pipeline is fully digital from start to finish depends on the provider. Check AMPAC Tri-State CDC, Inc.'s website or ask their team how much of the process you can complete online.
Is this open on weekends?
AMPAC Tri-State CDC, Inc. is a non-bank lender, so there is usually no branch to visit and its team generally works standard weekday hours. Many non-bank lenders do let you start or continue an application online at any time, including weekends. Check AMPAC Tri-State CDC, Inc.'s website or call to confirm when staff are actually available.
How do I get there and where do I park?
AMPAC Tri-State CDC, Inc. operates largely online and by phone as a non-bank lender, so most clients never need to travel to an office. If an in-person meeting is offered, AMPAC Tri-State CDC, Inc. will share the address and parking details when you schedule. Start by reaching out using the contact information on this page.
Who owns or operates this listing?
This page is an independent directory listing for AMPAC Tri-State CDC, Inc., an SBA-participating non-bank lender (a development company or community fund). It is maintained by SBA Lenders USA to help borrowers compare lenders — not by AMPAC Tri-State CDC, Inc. itself, which runs its own lending under its own ownership. If you work at AMPAC Tri-State CDC, Inc., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for AMPAC Tri-State CDC, Inc. — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with AMPAC Tri-State CDC, Inc. before applying. If you represent AMPAC Tri-State CDC, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach AMPAC Tri-State CDC, Inc. by phone at (909) 915-1706 or online at ampac.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with AMPAC Tri-State CDC, Inc. before relying on them.
How do non-bank lender approval requirements differ from standard commercial institutions?
Non-bank lenders like AMPAC Tri-State CDC, Inc. usually place more weight on business revenue, cash flow, and time in business, and less on a high personal credit score or hard collateral than a traditional bank. That can mean faster approvals and more flexibility, sometimes at a higher cost. Ask AMPAC Tri-State CDC, Inc. what it requires and how its criteria compare for your situation.
Am I required to move my primary business checking account to this non-bank lender?
Generally no — non-bank lenders typically do not hold deposit accounts, so AMPAC Tri-State CDC, Inc. usually cannot and will not require you to move your business checking to them, and you keep your existing bank for day-to-day banking. A deposit-relationship requirement is far more common at traditional banks, but confirm the specifics with AMPAC Tri-State CDC, Inc..
Do non-bank options favor asset-light tech fields or online retail brands?
Many non-bank and online lenders are comfortable with asset-light businesses — software, services, e-commerce, and online retail — because they underwrite on cash flow and revenue rather than physical collateral. That said, AMPAC Tri-State CDC, Inc. sets its own focus and may serve a broad mix of industries. Ask AMPAC Tri-State CDC, Inc. whether your field and business model fit what it typically funds.
What interest rate structures should I expect from a non-bank financing provider?
Non-bank financing can come as fixed or variable term loans, lines of credit, or revenue-based structures, and rates are often higher than a traditional SBA bank loan to reflect faster funding and looser criteria. The cost may be quoted as an APR or a factor rate. Ask AMPAC Tri-State CDC, Inc. for the full APR and total repayment amount so you can compare offers fairly.
Can I refinance high-cost merchant cash advances into a term loan with this lender?
Refinancing or consolidating expensive merchant cash advances into a lower-cost term loan is a common goal, and some non-bank lenders and SBA programs allow it when the numbers support it. Eligibility depends on your cash flow and the existing debt. Ask AMPAC Tri-State CDC, Inc. whether it refinances merchant cash advances and what it would take to qualify.
Do they allow seller notes to count toward the required borrower equity injection?
In many SBA-backed deals a seller note can count toward part of the borrower's required equity injection, often when it is placed on full standby for a set period. Whether AMPAC Tri-State CDC, Inc. permits this, and on what terms, depends on the lender and the SBA rules in play. Confirm with AMPAC Tri-State CDC, Inc. how it treats seller notes in your specific deal.
Do they offer international trade or export loan programs?
Some lenders take part in SBA export and trade programs such as the Export Working Capital Program or the International Trade Loan, which support businesses that sell abroad. Availability varies and not every non-bank lender offers them. If you export or plan to, ask AMPAC Tri-State CDC, Inc. whether it offers export or international trade financing.
What happens if the primary business asset valuation comes back lower than the contracted purchase price?
If an appraisal or valuation comes in below the agreed purchase price, the gap usually has to be covered — by renegotiating the price, the buyer adding more cash, or the seller carrying a larger note — because lenders generally lend against the lower of cost or appraised value. Ask AMPAC Tri-State CDC, Inc. how it handles a valuation shortfall before you commit.
