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.
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
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.
Ready to see what you qualify for?
No credit pull. No obligation. A few minutes to see real options.
Check How Much You Qualify For →