Small Business Loans in California

Compare Small Business Loans in California

California’s economy is one of the largest and most diverse in the United States. The state is a leader in industries such as technology, entertainment, agriculture, manufacturing, and tourism. These industries not only fuel the state’s economic growth but also provide small business owners with endless opportunities for expansion and innovation. Whether you’re in Silicon Valley, the heart of the tech industry, or a local winery in Napa Valley, there are numerous financing options to help your business thrive.

Equipment Financing

Many small business owners hear about equipment financing and think of big excavators and tractors. Yes, construction equipment is financeable – but so is a lot of other equipment. Big or small, basic or complicated, we provide small business owners with a fast and effective means to finance any type of equipment that they may need.

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Unsecured Business Loans

Rates so low that you will forget that you’re repaying it! Unsecured business loans require zero collateral but do require personal guarantees. Traditional bank rate financing with much quicker turnaround times. Want to expand, purchase inventory, hire employees, or refinance existing debt without having to wait 30 days?

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Merchant Cash Advance

Leverage your future sales in exchange for a lump sum of capital, today! Merchant Cash Advance are great for small businesses that need fast access to capital for new growth opportunities with little documentation required.

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SBA Loan

SBA loans are business loans guaranteed by the Small Business Administration. With their multiple SBA small business funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender—typically banks.

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Business Line of Credit

Lines revolve and refresh, so any payments on principal made get added back to the available balance of the credit line. Business Line of Credit offers flexibility, good rates, and lack of restrictions which make it a good solution for any type of business, regardless of its industry.

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Startup Funding

Discover founder-friendly startup funding strategies—SBA loans, 0% credit hacks, grants & fast equipment financing. Launch smart, grow faster.

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How to Apply for a California Business Loan

Applying for a California small business loan is quick and hassle-free. Whether you need funding to expand, manage cash flow, or invest in equipment, our streamlined process ensures fast approvals and flexible terms. With just a few steps, you can secure the capital your business needs to grow.

Apply in Minutes

Fill out our simple online application in just a few minutes. Provide basic business details, financial information, and the loan amount you need. No lengthy paperwork required.

Get a Quick Decision

Our system quickly reviews your application and lets you know if you qualify for one or multiple funding options. Choose the best funding option based on your business needs and repayment preferences.

Receive Your Funds

Once approved, sign your agreement and access your funds—Sometimes as fast as the same day. Use your financing to grow, manage cash flow, or invest in new opportunities.

Best Banks for a SBA Loan in California

California is home to a robust network of banks and credit unions, providing customized financial solutions for small businesses looking to grow. These top California SBA lenders offer the best funding options to help entrepreneurs succeed.

California Small Business Loans

Find the Right California SBA Lender

Looking for small business loans in California? Browse California SBA lenders that support working capital, business expansion, equipment purchases, refinancing, and other small business financing needs. Filter between SBA Preferred Lenders and CDFIs.

Loan Market California Small Business Loans

Lender Types PLP + CDFI

Looking for SBA loans in a different State? Visit our SBA Lender Match tool to learn more.

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California Business Loan Calculator

Calculate your loan amount in just a few clicks.

Monthly Average Revenue ($)

FICO Score Range

Time in Business

Estimated Approval Range

$0 – $0

* Estimate Disclaimer: The figures are approximations. Loans are subject to lender approval. Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the AMP Advance family of companies. Your loan agreement will identify the lender prior to your signing.

Minimum Requirements To Qualify

6+ months in business
$10,000 per month revenue
Business bank account

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I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

What our clients say about us

See What Our Clients Say

California Businesses We Serve

Restaurants
Convenience Store
Chiropractors
Auto Repair
Beauty Salon
Home Healthcare
Pharmacy
Construction
Medical Services
Logistics
Daycare
Vape Store
Security Services
Legal Services
Staffing Services
CBD
E-commerce
Adult Stores
AND MORE

California Business Loans F.A.Q

What are the qualifications for a California business loan?

Minimum qualifications are the below:

6 mo in business
$10,000 per month in revenue
US based business
US citizen or legal resident

What types of small business loans in California are available?

Small business owners in California can access various loan options, including SBA loans, equipment financing, lines of credit, and working capital loans. AMP Advance offers flexible financing solutions with quick approvals and competitive rates, helping local businesses meet their funding needs.

How can I qualify for a unsecured business loan in California?

California small business loans with no collateral are available through AMP Advance, which provides unsecured business loans and flexible terms.

See how much you qualify for HERE.

Are there specific California small business loan programs?

Yes, California offers several small business loan programs tailored to the state’s diverse economy. These include:

California Small Business Loan Guarantee Program (SBLGP): Helps businesses that may not qualify for traditional loans by reducing lender risk.
IBank’s Small Business Finance Center: Offers microloans and loan guarantees through partner lenders to support startups and underserved communities.
California Equipment Loans: Ideal for businesses needing to purchase or upgrade tools, machinery, or vehicles.
California Merchant Cash Advance Programs: A fast funding option for businesses with strong credit card sales, offering repayment flexibility.
Local city/county programs: Many cities like Los Angeles and San Diego offer additional grant or low-interest loan options for small businesses.

How do I apply for a small business loan in California?

To apply for a small business loan in California, you can approach local banks or apply online directly through AMP Advance. The application process is fast and easy, requiring basic financial documents and a clear description of your business needs.

How do I get startup funding in California?

Looking to fund your startup in California? From credit card stacking to unsecured personal loans, we break down smart options that don’t require revenue or collateral.

Check out our Startup Funding Guide

Can I get a California business loan with bad credit?

Yes, California business owners can still qualify for funding—even with bad credit. Explore California bad credit business loan options that focus on your revenue, not your credit score. Many programs offer same-day approval with no hard credit checks.