California small business funding

Working Capital & Term Loans for California Businesses

A working capital loan is straightforward, lump-sum capital your business can use for anything — payroll, inventory, marketing, expansion, or bridging a slow month. Repayment is set on a fixed schedule, so you know exactly what you owe and when.

Check How Much You Qualify For →

Amount

$10,000 – $5,000,000

Term

6 months – 10 years

Speed

Funding in 1–3 business days

Best for

Who this product fits

Established California businesses with 6+ months of operating history
Owners who want a known repayment schedule instead of a revolving line
Businesses funding a specific project, hire, or growth initiative

Use of funds

What businesses use it for

Payroll, inventory, and day-to-day operating expenses
Marketing pushes and new location launches
Hiring, equipment, or one-off vendor purchases
Refinancing more expensive short-term debt

See what your California business qualifies for.

5-minute application. No hard credit pull. No obligation.

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Qualifications

General requirements

6+ months in business
$10,000+ in monthly revenue
500+ FICO (lower considered case-by-case)
Business bank account with recent 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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