California small business funding
Business Line of Credit for California Small Businesses
A business line of credit is revolving capital — you draw what you need, pay interest only on what you use, and pay it back on your schedule. It sits there ready when you need it, and costs nothing when you don't.
Amount
$10,000 – $5,000,000
Term
6 months – 10 years
Speed
Funding in 1–3 business days
Best for
Who this product fits
- Businesses with seasonal or uneven cash flow
- Owners who want capital on standby, not a one-time lump sum
- Businesses planning multiple smaller draws over time
Use of funds
What businesses use it for
- Covering payroll during a slow week
- Buying inventory ahead of a busy season
- Bridging the gap between invoice and payment
- Emergency repairs or unexpected opportunities
Qualifications
General requirements
- 6+ months in business
- $10,000+ in monthly revenue
- 550+ FICO preferred
- 3 months of recent business bank statements
Specific qualifications vary by lender and program. The numbers above reflect the most common bars for this product in our network — they are not a guarantee of approval or specific terms.
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