Compare California business funding options side-by-side. CalCAP/SBA (lowest rate, 90 days) vs private working capital (highest speed, higher cost) — see what fits your urgency.
SBA 7(a) / CalCAP
$245,000
low double-digit APR (varies) · 60-120 days · monthly payments
No credit impact · Soft pull only · Real offer in 5 minutes
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Common Questions
Why is private faster than SBA/CalCAP?
SBA and CalCAP-enhanced loans involve multi-party underwriting (lender + government program), require 2-3 years of tax returns, full business plan, and collateral. Private working capital underwrites on 3 months of bank statements only.
Is private always more expensive?
Yes — that's the speed/rate trade-off. SBA 7(a) is low double-digit APR (varies). Private working capital is factor-rate pricing (effective 20-60% APR equivalent). You pay for speed.
What if my FICO is low?
SBA-preferred lenders generally favor higher FICO scores (most look for 680+, though individual lenders set their own criteria). Private working capital lenders commonly accept FICO 500+. If your credit is below the typical SBA threshold, private is often the practical option.
