California · Direct Lender
Small business loans in California
Why CA owners choose Affirmative Funding
Same-day funding for California businesses
California businesses carry some of the highest operating costs in the country, which makes fast, flexible working capital especially valuable. From Los Angeles to the rest of the state, Affirmative Funding underwrites on your bank deposits rather than your credit score, which is why businesses in Restaurants, E-commerce, Construction and Trucking get approved when banks say no.
- ✓$10,000 to $5,000,000 in funding
- ✓Decision in minutes, funds as soon as today
- ✓Soft credit check — no impact on your score
- ✓Rates from prime, terms up to 5 years, no hidden fees
$20,000+
monthly business revenue
6+ months
in business
$10K – $5M
funding range
Same day
funding once finalized
Industries
Who gets funded in California
The CA businesses we see most are in Restaurants, E-commerce, Construction and Trucking, but the rule is simple: $20,000 or more a month in revenue and six months in business, in any industry.
Restaurants & Hospitality
Kitchen equipment and walk-in replacement · Renovations, patios and second locations · Payroll through slow seasons
E-commerce & Online Sellers
Inventory and supplier deposits · Paid advertising to scale a winning product · Fulfillment and 3PL costs
Construction & Contractors
Materials and supplier deposits for a new job · Payroll between progress payments · Equipment and vehicle purchases
Trucking & Transportation
Truck and trailer purchases or down payments · Engine, transmission and tire repairs · Fuel and insurance during slow-pay months
Cities
California cities we fund
Because everything happens online, a Los Angeles owner and an owner three hours away get the same three-minute application and the same same-day timeline. We actively fund in Los Angeles, San Diego, San Jose, San Francisco, Sacramento and Fresno and statewide.
- Los Angeles, CA
- San Diego, CA
- San Jose, CA
- San Francisco, CA
- Sacramento, CA
- Fresno, CA
California business funding FAQ
Can any California business apply?+
Yes. Affirmative Funding funds businesses in every California city and county. The only requirements are $20,000+ in monthly revenue, 6+ months in business and a U.S. business bank account.
How quickly does funding arrive in California?+
The application takes about three minutes and decisions come back in minutes. Once your file is finalized, funds are typically sent the same business day to your California business bank account.
Do you work with California businesses directly?+
Affirmative Funding is a direct lender serving businesses in all 50 states, including California. We fund from our own capital, so there is no broker and no broker fee.
Can I qualify in California with bad credit?+
Often, yes. Approval is based on your revenue and bank activity, not credit score alone. A CA business with consistent deposits of $20,000+ a month is a strong candidate.
See what your California business qualifies for
Apply in three minutes with your last three bank statements. A dedicated specialist reviews your file and presents clear terms, usually within minutes.