Categories of California Lenders
- California banks (Bank of the West, Bank of California, US Bank, etc.) — Lowest rates, strictest qualification, slowest decisions.
- CDFIs (Opportunity Fund, Pacific Community Ventures, CDC Small Business) — Community focus, smaller amounts, slower process.
- Online business lenders (Bluevine, OnDeck, Fundbox, Kapitus, Fora) — Software-driven, $5K-$500K typical.
- Direct private lenders (us, Crestmont, SBG) — $25K-$5M, fastest funding, FICO 500+ accepted.
- Marketplace brokers — Middlemen shopping applications across multiple lenders.
Questions to Ask Before Signing
- What is total dollar cost (not just rate or weekly payment)?
- What is prepayment policy?
- Origination, servicing, or hidden fees?
- Personal guarantee required?
- What if revenue drops mid-term?
- Can I refinance into better product later?
- Who services the loan after funding?
Red Flags
- No clear total cost disclosure
- Pressure to sign same-day with no review
- Upfront fees before approval
- Brokers who won't disclose how they're paid
- Lenders who can't explain their underwriting criteria
How California Business Loans Fits
We are a direct private lender focused on California operators. $25K-$5M in 4 hours, FICO 500+, three months of bank statements, total dollar cost quoted upfront.
We are the right choice if you need real money fast and want a single direct relationship. We are not the right choice if you have time to wait 90 days for SBA at lower rate, or your need is under $25K.