Business Financing in California
Small business loans, SBA financing, equipment loans, lines of credit, and working capital for California businesses. We fund operators in Los Angeles, San Francisco, San Diego, San Jose, and every market in between — typically in 24–72 hours.
Small businesses
4,200,000+
Capital
Sacramento
Speed
As fast as 24h
Free, no-obligation
Get matched with a California lender
Free 60-second form. Soft pull only. A real Kingdom advisor responds within one business hour.
Top California industries we fund
The verticals driving California small business demand
Tech
Equipment financing, working capital, and lines of credit tailored to tech cash-flow cycles.
Restaurants
Equipment financing, working capital, and lines of credit tailored to restaurants cash-flow cycles.
Construction
Equipment financing, working capital, and lines of credit tailored to construction cash-flow cycles.
Logistics
Equipment financing, working capital, and lines of credit tailored to logistics cash-flow cycles.
Local context
California licenses commercial financing under the CFL — Kingdom partners with state-licensed lenders so disclosures match SB 1235 requirements.
California financing programs
Every funding product available to California businesses
Business Line of Credit
Flexible revolving capital you draw on as you need it.
Learn moreSBA Loans
Government-backed financing with the longest terms and lowest rates.
Learn moreEquipment Financing
Finance the machinery, vehicles, and tools that power your business.
Learn moreWorking Capital Loans
Short-term funding to keep day-to-day operations running smoothly.
Learn moreMerchant Cash Advance
Get a lump sum today, repaid as a percentage of future sales.
Learn moreCommercial Real Estate Loans
Purchase, refinance, or improve commercial property.
Learn more0% Business Credit Cards
Stack premium business cards with 0% intro APR for working capital.
Learn moreInvoice Factoring
Turn unpaid invoices into same-week cash without adding debt.
Learn moreStartup & New Business Funding
Capital for businesses under two years old or rebuilding credit.
Learn moreCities we serve in California
Major California metros — and every market in between
Los Angeles
Same-day approvals available for Los Angeles businesses with 6+ months of revenue.
San Francisco
Same-day approvals available for San Francisco businesses with 6+ months of revenue.
San Diego
Same-day approvals available for San Diego businesses with 6+ months of revenue.
San Jose
Same-day approvals available for San Jose businesses with 6+ months of revenue.
FAQ
California business loans — common questions
What types of business loans are available in California?
California small businesses can access SBA 7(a) and 504 loans, business lines of credit, equipment financing, working capital loans, merchant cash advances, invoice factoring, and term loans through Kingdom Funding Group's lender network. Most programs fund nationwide and serve Los Angeles, San Francisco, San Diego, San Jose, plus rural California markets.
How fast can a California business get funded?
Working capital, lines of credit, and merchant cash advances typically fund in 24–72 hours for California applicants. SBA loans take 30–90 days. Equipment financing usually closes in 3–10 business days.
What credit score do I need for a California business loan?
California business loan programs run from 500+ FICO (revenue-based and MCA programs) up to 680+ FICO (SBA and prime bank loans). Time in business, monthly revenue, and bank-statement history matter as much as personal credit.
Do you fund tech businesses in California?
Yes — tech, restaurants, construction operators are among the most common California applicants we fund. Each industry routes to lenders that specialize in its cash-flow profile.
Are there California-specific disclosures or regulations?
California licenses commercial financing under the CFL — Kingdom partners with state-licensed lenders so disclosures match SB 1235 requirements.
More West states
Business financing in nearby states
Resources for California owners
Industry guides for California businesses
Step-by-step financing playbooks for the verticals driving the most California demand — written by Kingdom advisors.