California small business funding
No Credit Check Business Loans in California
When you apply with us, there is no hard credit pull on the initial review. The lender network we work with underwrites primarily on revenue and bank statement history — not your FICO score. Many of these offers have no minimum credit score requirement at all.
Amount
$5,000 – $2,000,000
Term
3 – 24 months
Speed
Funding in 24–72 hours
Best for
Who this product fits
- Owners with a 500 FICO or below
- Businesses with a past bankruptcy, tax lien, or credit event
- Owners protecting their credit from another hard inquiry
Use of funds
What businesses use it for
- Working capital and payroll
- Inventory and equipment purchases
- Emergency expenses and short-term cash flow gaps
- Refinancing high-cost short-term debt
Qualifications
General requirements
- 6+ months in business
- $10,000+ in monthly revenue
- No minimum FICO on most offers
- Business bank statements (last 3 months)
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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