Financial Assistance

Small Business Micro Loan

Micro Loan BrochureThe City of Stockton's Small Business Micro Loan Program assists local businesses with financing needs by providing:


  • Loans up to $30,000 to entities located within Stockton city limits. 
  • Interest rates starting at current Prime Rate plus 2%, with maximum loan term of five years.  
  • Funds for operating capital, including permit and license fees, furniture, fixtures and equipment, rehabilitation, and manufacturing equipment.
  • Non-refundable application fee of $50.


Businesses receiving loan proceeds must create or retain at least one full-time equivalent job. 

      Small Business Micro Loan Brochure

Small Business Micro Loan Brochure (Spanish)   

Small Business Micro Loan Program Guidelines



Commercial Façade Improvement Forgivable Loan Program  

2012 Facade Brochure

On July 10, 2007, the Stockton City Council approved revisions to the City's Commercial Loan Program to better serve the needs of the Stockton business community. These revisions expand the program boundary beyond the downtown core and increase funding available to commercial property owners.


The City offers a Façade Improvement Forgivable Loan to enhance the exterior of commercial, nonresidential properties (including nonprofit groups) located within Downtown, South Stockton, North Stockton, and Midtown. Application fee of $525. 


Commercial Façade Improvement Forgivable Loan Brochure

Façade Improvement Guidelines

Façade Improvement Forgivable Loan Application

   Design Review:  BrochureGuidelines, and Application



Downtown Financial Incentive Program

This City program reduces or eliminates building permit and associated public facilities fees for many downtown projects. If the project rehabs an existing downtown building vacant for six months or longer, most permit fees will be waived. (Demolitions, new construction, or expansions do not qualify.)

Fill out the application below or obtain one from the City's Economic Development Department or Downtown Stockton Alliance prior to applying for a permit. 

The program boundary includes the Downtown Stockton Business Improvement District.


Downtown Financial Incentive Program Guidelines

Downtown Financial Incentive Program Application


Emergency Grant Program


City will grant up to $7,500 to commercial property owners to fix code violations that endanger the health or safety of employees or the general public. 


Responsible party (property owner or business owner) must demonstrate alternate sources of funds (such as savings or loans) are not available to fix the problem.


Emergency Grant Brochure

Emergency Grant Application



Fee Deferral Programs

Non-Residential Fee Deferral Program 

Fee Deferral Program Brochure

 To stimulate economic development within the City of Stockton, City Council adopted a fee deferral program for commercial and industrial buildings.


Rather than paying development fees at the time a building permit is issued, the developer of a qualified non-residential project may elect to defer a portion of those fees.


Non-residential Fee Deferral Program

Non-residential Fee Deferral Application






Short-term Non-residential Public Facilities Fee and Mitigation Fee Deferral Program


Approved by City Council on January 24, 2017, this program provides short-term relief from upfront development costs, specifically impact fees, until construction has been completed and building is ready to occupy. Rather than paying development impact fees when a building permit is issued, a developer with a qualified non-residential project may elect to defer payment of such fees, with the exception of certain “pass-through” fees.


New non-residential construction projects may defer eligible fees until first certificate of occupancy, whether temporary or final, or two years from the first building permit issuance, whichever is less.


A request for short-term deferral of eligible fees for new non-residential construction projects must be submitted in writing to the Economic Development Department for review prior to issuance of a building permit.


If the project is deemed eligible, a fee deferral agreement must be executed between the applicant and City prior to the issuance of the building permit. This program becomes effective March 25, 2017, and remains in effect for a period of five (5) years, unless extended by the Stockton City Council.

Short-term Fee Deferral Program Brochure

Short-term Fee Deferral Program Guidelines

Short-term Fee Deferral Program Application


For more information on any program or an application by mail, contact the Economic Development Department.



External Links

There are currently no external links.  

This City of Stockton web page last reviewed on --- 12/20/2017