COVID-19 Relief: SMUD Nonprofit Microloan Program

Strengthening our neighborhoods. Together.


In the early months of 2020, our community began to feel the impacts of the COVID-19 virus. The growing pandemic brought the world to a halt and was especially devastating to our underserved, under-resourced neighborhoods and the nonprofit organizations that support them.

To help counter the economic fallout of COVID-19, SMUD’s Sustainable Communities program has partnered with California Capital to create a simple, low-interest microloan program to help nonprofits in our service area keep their operations running and growing, so they can continue to help those most in need. 


Who can apply? 

  • Local 501(c)(3), 501(c)(4) and 501(c)(6) nonprofits incorporated and operating in SMUD's service area
  • 100 employees or less
  • Directly impacted by COVID-19

Loan terms

  • Up to $25,000*
  • 2% interest
  • $100 application fee to be paid by borrower**
  • Payment terms vary on a per loan basis, but shall not exceed 5 years
     * At SMUD's sole discretion
     ** An additional processing fee will apply if loan is approved 

How will loans be awarded?

Loans are limited and will be disbursed based on evaluating factors including but not limited to:

To learn more or submit an application, please visit If you have questions, email us at

Submit an interest form

Still have questions?

Contact us at or 1-916-732-6753.