RMDZ and Business Resources

  1. Financial Resources
  2. Business Development
  3. Energy Assessment and Rebates
  4. Business Component Resources


Recycling Market Development Zone (RMDZ) 

Program offered by CalRecycle encourages qualifying manufacturers to utilize recycled feedstock or incorporate waste reducing practices in RMDZ areas.  Low-interest loans, permitting assistance and business development assistance are available.

504 Certified Development Company (CDC) Program 

Provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. A Certified Development Company is a nonprofit corporation set up to contribute to the economic development of its community. CDCs work with the SBA and private-sector lenders to provide financing to small businesses. Each CDC covers a specific geographic area. (Find the CDC in your area.)  

U.S. Department of Agriculture (USDA) Rural Development Funding Programs 

Offers to create and save rural jobs and improve the economic and environmental climate of rural communities. The program guarantees a maximum of 90% on loans up to $2 million, a maximum of 80% on loans of $2-5 million and a maximum of 60% on loans above $10-25 million.


Oakland Business Development Corporation 

Administers the Alameda County  Revolving Loan Fund which assists eligible candidates to start up or expand businesses that reduce or divert materials that would normally be sent to Alameda County landfills. Borrowers receive support in the areas of business plan assistance, accounting, marketing, advertising, and referrals to other service providers and finance options. You may not realize that your business could qualify for an RLF loan.  Loan amounts up to $250,000.    

MicroLoan Program 

Provides very small loans to start-up, newly established, or growing small business concerns. Under this program, SBA makes funds available to nonprofit community based lenders (intermediaries) which, in turn, make loans to eligible borrowers in amounts up to a maximum of $35,000. The average loan size is about $10,500. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

Bond Financing

Manufacturing Equipment (PDF)  

California Communities provide eligible businesses (borrowers) located within California with tax exempt financial assistance.  This will enable borrowers to finance between $500,000 and $10 million of equipment for manufacturing, processing solid waste or recycling solid waste at a lower interest rate than generally available through commercial financing.  Contact: James Hamill, (925) 933-9229 x216

Small Business Pollution Control Tax-Exempt Bond Financing Program 

Offered through the California Pollution Control Financing Authority to California businesses for the acquisition, construction, or installation of qualified pollution control, waste disposal, and resource recovery facilities.  Loan amounts range from $1 million to $20 million.

Industrial Development Bond (IDB)  

Tax-exempt financing is beneficial because companies can borrow at a substantially reduced interest rate. IDBs are available to manufacturers for the purchase of land, buildings, and capital equipment through below-market financing, at tax-exempt interest rates.   

California Statewide Communities Development Authority (CSCDA) 

Offers tax-exempt Industrial Development Bond financing for manufacturers to finance the acquisition and rehabilitation, or construction of manufacturing facilities or for the acquisition of new equipment.

CSCDA’s Small Issue Public Benefit Program 

Designed to cost-effectively assist manufacturers with projects or new equipment purchases of less than $5 million. CSCDA will work directly with the borrower to privately place the Bonds with a qualified institutional buyer. The advantages of the Small Issue Program include low-cost access to tax-exempt markets, predetermined finance team and a fixed interest rate.


California Department of Conservation Recycling Market Development Grant.  

The Division of Recycling (DOR) administers funding programs to assist organizations with establishing convenient beverage container recycling and litter abatement projects, and to encourage market development and expansion activities for beverage container materials.  Both for profit and nonprofit organizations are eligible to apply. 

U.S. Department of Energy  

Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) are U.S. Government programs in which federal agencies with large research and development (R&D) budgets set aside a small fraction of their funding for competitions among small businesses only.  Small businesses that win awards in these programs keep the rights to any technology developed and are encouraged to commercialize the technology. 

Industrial Technologies Program  

The Department of Energy ITP program provides about $50 million annually in cost-shared funding for R&D.  We award this funding through an open, competitive solicitation process designed to meet the top technology needs identified in industry's roadmaps.  Industry representatives often participate in the technical review process.    

National Institute of Standards and Technology (NIST) Advanced Technology Program (ATP) 

Offers competitive cost-sharing awards to support high-risk R&D projects that accelerate the development of path-breaking new technologies important to the U.S. economy.  $60 million has been available in previous years.

Loan Guarantees

Small Business Administration (SBA) 7(a) Loan Guarantee Program 

One of SBA's most used type loan of SBA's business loan programs. It provides loans to small businesses unable to secure financing on reasonable terms through normal lending channels. The program operates through participating private-sector lenders.

California Capital Access Program (CalCAP) 

Encourages banks and other financial institutions to make loans to small businesses that fall just outside of most banks' conventional underwriting standards. CalCAP is a form of loan portfolio insurance which may provide up to 100% coverage on certain loan defaults. By participating in CalCAP, lenders have available to them a proven financing mechanism to meet the financing needs of California's small businesses.

California Loan Guarantee Program (LGP) 

Allows a business to not only obtain a loan it could not otherwise acquire, but to establish a favorable credit history with a lender. With that, the business may obtain further loans on its own, without the assistance of the program.

Financing for Non-Profits Only

501(c)(3) Revenue Bond Financing 

Available to eligible nonprofit corporations for acquisition and/or improvement of facilities and capital assets.

Forgivable Loans

California Recycle Underutilized Sites (Cal ReUSE) Program (PDF) 

Implemented by the California Pollution Control Financing Authority to assist with the reuse and redevelopment of underutilized properties with real or perceived contamination issues (brownfields).  Cal ReUSE provides forgivable loans to fund site assessment and characterization, technical assistance and remedial action plans and site access.


A Financing Guide for Recycling Businesses: Investment Forums, Meetings and Networks (PDF) 

Developed by the U.S. EPA

Business Development

Small Business Administration (SBA)

U.S. Small Business Administration, established in 1953, provides financial, technical and management assistance to help Americans start, run, and grow their businesses. With a portfolio of business loans, loan guarantees and disaster loans worth more than $45 billion, in addition to a venture capital portfolio of $13 billion, SBA is the nation's largest single financial backer of small businesses.  

Small Business Development Center (SBDC) 

Contra Costa Small Business Development Center encourages and supports the growth and success of small businesses in Contra Costa County by providing professional consulting services and a wide variety of educational programs. Our services are made possible by funding from the U.S. Small Business Administration, the California Technology, Trade and Commerce Agency and grants from Contra Costa County, the City of Antioch and the City of Pittsburg. Services are available to all residents of Contra Costa County without discrimination.

Service Corps of Retired Executives (SCORE)

Service Corps of Retired Executives (SCORE) consists of more than 11,500 volunteer business counselors and provides small business mentoring and advice on a full range of business topics. SCORE is a resource partner with the U.S. Small Business Administration and aids small businesses nationwide.  SCORE business counselors can help develop effective business plans and create strategies for business growth. 

You can Find SCORE in your local community to meet with a SCORE counselor face-to-face or Get Email Counseling to receive free and confidential business advice.  

Business Plan Resources

CalRecycle RMDZ staff recommends using this Business Plan Outline to prepare a one or two page business plan.

Recycling Business Planning is the subject of one chapter of the U.S. EPA's "A Financing Guide for Recycling Businesses: Investment Forums, Meetings and Networks".

The Small Business Administration has an online resource called "The Business Plan - Road Map to Success" which is a self-paced tutorial.

Service Corps of Retired Executives (SCORE) business counselors can help develop effective business plans. You can Find SCORE in your local community to meet with a SCORE counselor face-to-face or Get Email Counseling to receive free and confidential business advice.  

Sample Business Plans are available online for over 500 different business types.

Writing Business Plans for Recycling Enterprises:  Plastics, Glass or Rubber is a comprehensive guide put together by the Association of Small Business Development Centers.

Employee Attainment & Development and Other Employer Resources

California Employment Development Department (EDD)

The California Employment Development Department (EDD) helps businesses find skilled workers, stay competitive, and make informed decisions by offering services such as job placement assistance, up-to-date information on the labor market and emerging occupations, and tax and hiring incentives.

Employment Training Panel (ETP)

The Employment Training Panel (ETP), a joint business-labor supported state agency, provides training funds to empower workers, promote businesses and propel the state's economy.  ETP usually provides between $70-$100 million per year in training funds. In general, companies are eligible to apply for ETP funding provided they are paying into the state's Employment Training Fund (ETF) and meet at least one of three requirements.

Economic Development Resources

Enterprise Zones
The cities of Pittsburg and Richmond each have an Enterprise Zone.  The State of California offers tax incentives to businesses within an Enterprise Zone.  Hiring credit is given for part of the wages paid to eligible new hires. Over a five-year period this could mean up to $20,000 per employee. Sales and use tax credit for the full amount of sales and use tax paid on specific machinery bought for use in the Enterprise Zone. Business expense deduction for depreciable, tangible property. Businesses in the Enterprise Zone can deduct up to $10,000 per item. Net interest deduction for lenders who make loans in the Zone. Lenders can deduct net interest income made on certain loans to businesses within the Enterprise Zone.


Community Development Block Grants (CDBGs)
 The primary purpose of the CDBG program is the development of viable urban communities by providing decent housing, a suitable living environment and expanded economic opportunities, principally for persons of very low- and low-income.  CDBG funds are directed to housing, economic development, infrastructure improvements, public facilities, and public service projects.

The County administers the CDBG program for the entire County, less the cities of Antioch, Concord, Pittsburg, and Walnut Creek, which administer independent CDBG programs.  

Other Economic Development Assistance

Contra Costa Economic Partnership offers economic development assistance.