California Business Loans exists to connect operating businesses with the capital they need to grow. We work with operators that traditional banks turn down or ignore — not because they don't deserve capital, but because they don't fit underwriting models designed for corporations rather than real small businesses.
We approve based on real cash flow, not formal credit history. Funds reach your account within 24 hours of accepted offer, not 90 days. We require three months of business bank statements — no tax returns, no business plan, no projections. The bank statements tell the story underwriting needs.
Most lenders require perfect credit, multiple years of tax returns, complete business plans, and pledged collateral. We understand that most operating small businesses don't fit that mold. Speed matters. Cash flow matters. Bank statement health matters more than a credit score from three years ago.
California Business Loans is part of a national network of business funding brands serving operators across the United States. We operate out of Miami, FL with nationwide coverage. We've been serving small business operators since 2024.
Construction & contractors, restaurants & food service, trucking & logistics, healthcare practices, retail & e-commerce, auto repair, manufacturing, professional services, beauty & wellness, hospitality & tourism. If you operate a US-based business with $10,000+ in monthly revenue, you likely qualify.
All terms disclosed in writing before signing. No upfront fees to apply. No prepayment penalties on most products. Soft credit pull at application — no impact to your score. Equal Credit Opportunity Act compliant. We don't fund businesses for purposes that violate federal or state law.
5-minute application. Soft credit pull. Decision in hours, funded in 4.
Apply Now →Business funding specialists across the United States