Small Business Growth Grant
Up to $25,000 · Businesses trading under five years. Working capital for equipment, fit-out or the first hires — for businesses still building the base.
Capital for the parts of the market banks pass over
Six programs, each with a specific audience and a committee that reads the application. Awards are funded from the bank's annual community plan.
The River Gem Fund
A clear service, delivered by bankers
The River Gem Fund is administered with non-profit and community partners. Applications are reviewed twice a year, and every applicant receives a decision and a reason.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Ask about a programAwards are subject to committee approval, eligibility review and available funding. Eligibility and award amounts may change.
The service
What is available
Community Development Grant
Up to $50,000 · Non-profits and community projects. Funding for organizations delivering housing, food security or financial literacy in the communities we serve.
Veteran Business Grant
Up to $20,000 · Veteran-owned businesses. Capital for a veteran-owned firm that is ready to hire, buy equipment or take on a larger contract.
Agricultural Assistance Grant
Up to $20,000 · Farms and agribusiness. Seasonal support for irrigation, equipment and the input costs that land before the harvest does.
Emergency Relief Grant
Up to $10,000 · Businesses affected by disaster. Fast, documentation-light support when a fire, flood or forced closure interrupts trading.
Education & Scholarship Grant
Up to $5,000 · Students and workforce training. Tuition, certification and trade training for customers and the children of customers.
How to apply
Check the criteria, gather the documents and send the application through your banker. The same-day acknowledgement tells you what is missing before the committee sees it.
- Business registration and two years of returns
- Six months of bank statements
- A short statement of the use of funds
- Outcome reporting agreement
What the committee looks for
A clear use of funds, a credible plan and a measurable outcome. Being a River Gem customer helps, but it is not a substitute for a sound application.
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.