Small Business Loans & Funding in California
Businesses across California thrive with the right financial support. Fora Financial makes it simple, offering up to $1.5 million in funding—trusted by over 55,000 businesses for fast, reliable capital.
Get StartedBusiness Funding in California With Fora Financial
Get fast, reliable funding in California with Fora Financial's business loans and revenue advances. Explore your best option by clicking below.
Small Business Loans
We know that running a business in California leaves little time for handling endless paperwork. That's why our streamlined process removes unnecessary documentation and long approval delays. With flexible funding options, you can use the capital for whatever your business demands—whether you're expanding a restaurant or staffing a major construction project.
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Prepayment discounts
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Terms up to 18 months
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Approvals in as little as 4 hours
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Funding up to $1.5 million
Requirements for Business Funding
To qualify for business funding in California, funders usually consider your financial stability, business track record, and credit profile. Meeting these basic criteria can boost your chances of approval and help you secure more favorable terms.
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Credit Score
A strong credit score signals to funders that you're dependable when it comes to repaying debt. While many funders prefer a score of 570 or above, some financing options may accommodate lower scores.
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Business Plan
A detailed business plan highlights your company's vision, financial forecasts, and growth strategies. Funders often review it to gauge your ability to successfully repay the funding.
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Annual Revenue
Funders typically ask for proof of stable annual revenue to confirm your business can manage repayment. Minimum revenue requirements often begin around $240,000 per year but can vary by funder.
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Time in Business
Many funders favor businesses that have been operating for six months to two years or more. A longer operating history generally strengthens your application.
How To Get a Small Business Funding in California: Steps To Fund Your Future
1
Apply
Complete a quick online application and connect with a Capital Specialist to review your funding options.
2
Get a decision
Get a personalized funding recommendation in as little as 4 hours.
3
Receive your funds
Receive a lump-sum payout in 24 hours and access the funds whenever you need them.
Case Studies
Restoring Momentum
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Expansion at Scale
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Funding Amount: $1,000,000
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Industry: Construction
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Use of Funds: Expansion
Manufacturing Recovery
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Youth Soccer Program Expansion
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Funding Amount: $150,000
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Industry: Education & Youth
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Use of Funds: Facility Buildout
Strategic Growth
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Funding Amount: $150,000
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Industry: Wholesale Building Materials
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Use of Funds: Inventory, Expansion
Building for the Future
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Funding Amount: $500,000
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Industry: School / Daycare
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Use of Funds: Cashflow, Expansion
Powering Growth
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Funding Amount: $250,000
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Industry: Medical / IVF Center
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Use of Funds: Expansion, Cash Flow, Staffing, Equipment
Rapid Support
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Funding Amount: $1,000,000
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Industry: Automotive
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Use of Funds: Inventory
What Sets Us Apart from the Rest
Frequently Asked Questions About Small Business Loans & Funding in California
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Small business loans in California provide funding to help businesses grow, manage cash flow, or cover operating expenses. Banks, credit unions, and alternative funders offer a variety of options, some backed by state or federal programs like the SBA.
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Interest rates vary based on the funder, loan type, and your credit profile. Typically, rates range from about 6% to 15%, with SBA-backed loans often offering lower, more favorable rates.
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Approval times depend on the funder and complexity of the loan. Traditional or SBA loans may take days to weeks, but alternative funders like Fora Financial can provide approvals and funding in as little as 24 hours.
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Your business revenue helps determine how much funding you qualify for and influences the loan terms you're offered. Higher, consistent revenue often leads to better approval chances and more favorable terms.
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.