Founded in 1984 and headquartered in Fresno, Cen Cal Business Finance Group is the oldest and most experienced Certified Development Company in California's Central Valley, and the only Premier Certified Lender authorized to process SBA 504 loans in that region. Led by Executive Director Frank C. Gallegos, Cen Cal partners with banks, credit unions, and private lenders to provide long-term fixed-rate SBA 504 loans for owner-occupied real estate and equipment, and over its history has funded more than $1.1 billion in 504 loans and other financing, supporting roughly 10,000 jobs. In 2023 and 2024, Cen Cal significantly expanded its footprint by merging with Santa Maria-based Coastal Business Finance and acquiring Bakersfield-based Mid State Development Corporation — moves that added Central Coast and Kern County operations to the existing Central Valley franchise. Beyond SBA 504, Cen Cal also administers the City of Fresno's Revolving Loan Program, a Wells Fargo relending program, and a USDA-funded Revolving Micro Loan Program.