California small business funding
SBA 7(a) & 504 Loans for California Businesses
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer lower rates, longer terms, and smaller down payments than conventional financing. Best for established businesses with a defined use of funds.
Amount
$10,000 – $5,000,000
Term
10 – 25 years
Speed
Funding in 30–45 days
Best for
Who this product fits
- Businesses with 2+ years of operating history
- Owners buying commercial real estate or another business
- Owners refinancing expensive short-term debt into a longer term
Use of funds
What businesses use it for
- Commercial real estate purchase, build-out, or refinance
- Business acquisition or partner buyout
- Long-term equipment with 10+ year useful life
- Working capital and debt refinance (7(a))
Qualifications
General requirements
- 2+ years in business (preferred)
- Strong revenue and ability to repay
- 680+ FICO typical
- Clear business plan and use of funds
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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