California Business Loans
California Business Loans, $10K to $100M
You found the deal. Now you need the money… fast. I am Kevin Kermeen, and I arrange California business loans for owners across the state, from Los Angeles business loans for the ports and studios to a single delivery truck in Fresno or a multi-million dollar facility in the Bay Area. I am a real business owner, not an ex-banker reading a script, and I move at the speed your deal actually needs.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
That is not a clever line, it is how banks actually behave. California runs the largest economy in the United States, a record $4.25 trillion in 2025 that would rank fourth or fifth in the world on its own, yet profitable California companies still get told to wait 60 to 90 days for a maybe. By then the lease is signed by someone else, the equipment is sold, or the contract has moved to a competitor who moved faster.
That is why I exist. I arrange California business loans funded with other people’s money, so your own capital stays free to grow. Whatever you are doing in this state… buying a building in Los Angeles, financing trucks out of the Inland Empire, scaling a software company in San Jose, or covering payroll between harvest and pay-out in the Central Valley… there is a program built for it, and I move at the speed your deal needs.
California is home to 4.34 million small businesses, more than any other state, and 58 Fortune 500 companies, also the most in the nation. That is a lot of owners competing for the same customers, the same buildings and the same skilled crews. The ones who win are usually the ones who can move on capital first. California small business loans through me exist to make sure that owner is you, not the competitor down the road who happened to have cash on hand.
California Business Loans for the Industries That Run This State
No state has a deeper or more varied economy, and every part of it runs on capital. Real estate and finance, professional services and tech, and manufacturing are the three largest contributors to California’s GDP. Here are the industries I write the most California business loans for, with financing matched to how each one actually makes money. Whatever sector you are in, California business loans only matter if they move at the speed of your deal.
California is home to 33 of the world’s 50 leading AI companies and pulled in $58.5 billion of venture capital in 2024, roughly 40 percent of all U.S. VC. Tech and information now make up about 15 percent of state GDP. I fund the software, IT, and managed-services firms that look healthy but run tight on cash between funding rounds and slow client payments.
Professional services financing →Manufacturing is the fourth largest contributor to California’s GDP at about 10 percent, anchored by aerospace and defense in Southern California and chip and hardware production across Silicon Valley. I finance the CNC lines, automation, clean-room equipment and facility expansion these contractors need between milestone payments, and these are some of the largest California business loans I write.
Manufacturing financing →The Ports of Los Angeles and Long Beach form the busiest port complex in the nation and move roughly 31 percent of all U.S. containerized ocean trade. That feeds thousands of trucking, drayage, warehousing and distribution firms. I arrange equipment financing for trucks and trailers and lines of credit for fuel, payroll and repairs, the California business loans that keep that freight moving.
Auto and transportation →California is the nation’s number-one farm state, the first ever to top $60 billion, with $61.2 billion in farm cash receipts in 2024 across more than 400 commodities. It grows nearly half the country’s vegetables and over three-quarters of its fruits and nuts. I fund tractors, irrigation, cold storage and processing equipment, plus the working capital that bridges seasonal cash flow, with California business loans built around the harvest calendar.
Equipment financing →Health care is one of California’s fastest-growing sectors and its single largest in number of businesses and jobs. From San Diego biotech to clinics and practices statewide, I write California business loans for imaging and treatment equipment, build-outs, acquisitions and medical real estate.
Healthcare financing →Entertainment built Los Angeles, and tourism and outdoor recreation drive record visitor spending from the coast to the wine country. Margins are thin and equipment fails without warning. I finance kitchen and FF and E equipment, renovations and the working capital that gets a hotel, restaurant or venue ready before the season arrives, the California business loans that protect a thin-margin operation.
Hotel and hospitality financing →Tell me what you are trying to do in California.
One conversation and I will tell you the fastest path to funding, straight. California business loans with no upfront fees,* funded with other people’s money.
Every Program Behind My California Business Loans
My California business loans run on eight core programs, one direct line to me. Every one of these programs is available as part of my California business loans, so tap any program for full details, ranges and timelines.
Regulatory and Industry Framework
Good decisions start with real sources. Before you sign anything, these are the authorities worth reading on California business loans, SBA programs and the state economy behind them.
Federal Loan Programs
The U.S. Small Business Administration sets the rules, rates and guarantees behind SBA financing. Many California SBA loans I arrange use SBA 7(a) or 504 structures, and California is served by six SBA district offices.
State Economic Development
The Governor’s Office of Business and Economic Development, GO-Biz, tracks the incentives, expansions and target sectors driving the largest state economy in the country. It is the clearest picture of where California business loans are funding real growth.
Agriculture and Food
The California Department of Food and Agriculture reports the dairy, nut, fruit and vegetable numbers behind the nation’s number-one farm economy and the equipment and seasonal financing that keeps it running.
California Business Loans, Statewide
I arrange California business loans in every corner of the state, not just the big metros. Distance is never the problem, because every California business loan I handle runs through me by phone.
Most of my California volume runs through Los Angeles and Long Beach, the entertainment, trade and logistics engine of the south, anchored by the busiest port complex in the country. San Diego drives biotech, defense and tourism, while San Jose and San Francisco power the Silicon Valley tech and venture economy. Inland, Sacramento is the capital and a fast-growing logistics hub, and Fresno and Bakersfield anchor the Central Valley farm belt that feeds the country. I also actively fund owners in Oakland, Anaheim, Irvine and Riverside. Wherever you are in California, the program and the speed are the same.
How California Owners Put Their Business Loans to Work
California business loans are not one product, they are a toolbox. The right tool depends on what you are trying to do this quarter, and most owners end up using more than one type of California business loan as the business grows. Here are the four most common paths owners take.
California SBA Loans
California SBA loans are the workhorse when an owner wants to buy a building, acquire an existing business or stretch repayment over a long term at a competitive rate. I arrange the full SBA silo, 7(a) and 504 in particular, and California is served by six SBA district offices that back these deals. The trade-off is speed: California SBA loans take 45 to 60 days to fund, so I only steer you there when the structure genuinely beats the faster options. When it fits, nothing else touches it on terms.
California Commercial Loans
California commercial loans cover the deals that do not fit a tidy SBA box: commercial real estate from $150K to $100M, bridge financing to lock a property before permanent money is ready, equipment lines for a manufacturer in the Inland Empire, and working capital for the trucking and agriculture firms feeding the state’s ports and farms. California carries some of the highest commercial property prices in the country, so most of my California commercial loans are structured to fund fast, with a term sheet usually in 3 to 5 days, because good California property does not sit and wait.
California Small Business Loans
Not every owner needs millions. California small business loans from $10K cover the shop, the practice, the contractor and the restaurant that just need working capital, a line of credit or a piece of equipment to take the next step. These are the California small business loans banks treat as too small to bother with, which is exactly why owners call me: I match them to lenders who want that business and fund it in 24 to 72 hours instead of leaving it in a pile.
Los Angeles Business Loans
Los Angeles is the single biggest source of my California volume, so Los Angeles business loans get their own playbook. Entertainment, trade, logistics and healthcare owners across LA County and the ports of Los Angeles and Long Beach move fast and need capital that moves with them. Whether it is equipment for a post-production house, a working capital line for a drayage company or a bridge loan on a Los Angeles property, Los Angeles business loans through me close in days, not the months a downtown bank will make you wait.
The mistake I see most often is owners assuming a bank turndown means the deal is dead. It rarely does. A bank says no because the deal does not fit its one box, not because the business is bad. My job is to match that same deal to the one lender, out of more than 75, whose box it does fit. That is the entire difference between bank financing and California business loans arranged through an independent advisor, and it is usually the difference between closing and watching the opportunity walk.
Why Borrow Through Me Instead of a California Bank
California business loans from a real owner, not a call center.
I am not an ex-banker. I have owned the businesses and the real estate brokerages, so I read your deal from your side of the table. When you call about California business loans, you get me… one person who answers the phone, knows your file, and has a lender network deep enough to fund $10K to $100M across all 50 states.
Banks make you fit their box. I find the program and the lender that fit you. I just signed a capital partner that takes my ceiling to $100M, so the size of the deal is rarely the problem. The speed is the difference, and it is why the right California business loans close in days with me instead of months. And I never text you, I call you, 7 days a week on Arizona Time.
If a bank has you waiting, stop waiting. Don’t Beg the Bank! Call me and I will tell you straight whether I can fund your deal and how fast.
When the Bank Walked, I Closed
These were not California deals, but multi-family commercial real estate funds the same in Los Angeles as it does in Dallas, and so do my California business loans. This is the kind of speed my California business loans are built for when the clock is running.
$43M apartment complex, closed in 19 days
A $43 million multi-family acquisition in Dallas had a bank that walked. I brought in an institutional capital partner, restructured the deal and closed it in 19 days. The kind of speed most owners are told is impossible.
$4.2M apartment deal, bank quit 10 days out
A $4.2 million multi-family purchase was 10 days from closing when the borrower’s bank pulled the umbrella. He called me. I funded it in 24 days into a 20-year fixed, and it is now a performing asset in his portfolio.
How Fast Each California Program Funds
Speed is the whole point of using me instead of a bank. Here is what fast California business loans actually look like by program, because California business loans only matter if they arrive in time to use them.
| Program | Loan Range | Speed to Funding |
|---|---|---|
| Working Capital and Line of Credit | From $10K | 24 to 72 hours |
| Equipment Financing | From $10K | 24 to 72 hours |
| Invoice Factoring | Receivables-based | Same week |
| Commercial Real Estate | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| Investment Property | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| SBA Loans | Up to $5.5M | 45 to 60 days |
Same-day approvals are common when the application reaches me before 9am Arizona Time.
Tell Me About Your California Deal
I personally review every application and call you back… never a text, never a call center.
… or …
Apply OnlineI never sell your information. There are no application fees and no broker fees out of pocket.* Same-day approvals are common when the application reaches me before 9am Arizona Time.
California Business Loans, Common Questions
How much can I borrow with California business loans?
From $10,000 for working capital, equipment and lines of credit, up to $100 million for commercial real estate and investment property. Typical small business financing runs $10K to $5M, while SBA programs reach $5.5 million and large commercial real estate or development deals go higher. All 50 states.
How fast can I get funded in California?
As fast as 24 to 72 hours for working capital, equipment and lines of credit. Commercial real estate gets a term sheet in 3 to 5 days and funds in 21 to 30. SBA loans fund in 45 to 60 days. Same-day approvals are common when the application reaches me before 9am Arizona Time.
What does it cost to work with you?
I charge you no fees. I am paid by the lender at closing, so my interest is in getting you funded, not in collecting from you. Some partner lenders may require a commitment fee or deposit when you accept a term sheet. That is the lender’s charge, not mine, and it is always disclosed before you commit.
What industries in California do you fund?
Technology and AI, manufacturing and aerospace, international trade and logistics, agriculture and ag tech, healthcare and life sciences, entertainment, tourism and hospitality, construction, retail and professional services. If your California business generates revenue, there is likely a program for it.
Do you offer SBA loans in California?
Yes. I arrange the full SBA silo, including 7(a), 504, Express, Startup, Microloans, CAPLines, Made in America and Export loans. California is served by six SBA district offices, and California SBA loans offer long terms and competitive rates, often the smartest structure for buying property or an existing California business.
Can I qualify with less-than-perfect credit?
Often, yes. I structure deals around the real business, its revenue and its collateral, not just a credit score. Many of my California small business loans go to owners a bank turned down. The way to know is one quick conversation.
Which California cities do you serve?
All of them. My heaviest volume runs through Los Angeles, San Diego, San Jose, San Francisco and Sacramento, but I actively fund owners in Fresno, Long Beach, Oakland, Bakersfield, Anaheim, Irvine, Riverside and rural counties statewide. Every file runs through me directly, so location is never an obstacle.
Do you arrange Los Angeles business loans specifically?
Yes, Los Angeles is my single largest California market. I arrange Los Angeles business loans for entertainment, trade, logistics, healthcare and real estate owners across LA County, from the ports of Los Angeles and Long Beach to the studios and clinics inland. Los Angeles business loans through me run from $10K working capital lines to $100M commercial real estate, and they close in days because LA deals do not wait.
What are California commercial loans and what do they cover?
California commercial loans are the broad category covering everything beyond a small working-capital advance: commercial real estate from $150,000 to $100 million, bridge loans, equipment financing and larger lines of credit for office, retail, warehouse, industrial, multi-family and ground-up construction. Most California commercial loans I arrange carry a term sheet in 3 to 5 days, which matters in a market where good California property does not sit long.
What documents do I need to apply?
To start, very little: your name, your phone number, how much you need and what it is for. For most programs I will then ask for a few months of business bank statements and basic business information. I keep the paperwork as light as the deal allows.
Are you a bank?
No. I am an independent nationwide commercial loan advisor with a network of more than 75 lenders. That is the advantage. A bank can only offer you its own product, while I shop your California business loans across many lenders to find the one that actually fits.
Find your program. Don’t Beg the Bank!
I arrange California business loans from $10K to $100M, with a same-day callback from someone who has owned the businesses himself. California business loans through me come with one person on the phone, not a call center. Tell me what you are trying to do and I will tell you the fastest way to fund it. Don’t beg a bank that will keep you waiting… call me.
Business Loans by State
As each state page goes live it becomes a link. States shown as plain text are in the build queue.
*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. Loan amounts, terms, rates and timelines vary by program, lender, creditworthiness and the property or collateral involved. Large-deal and $100M figures reflect maximum program capacity on qualified transactions and are not guarantees of approval. Funding timelines are typical estimates, not promises. All financing is subject to lender approval and underwriting. 75BizLoans.com arranges commercial financing and does not offer Fannie Mae, Freddie Mac, HUD or FHA products.