California Business Loans — Capital for California's Diverse Economy
California's SMB economy is vast and varied — from Bay Area tech services to LA's entertainment-adjacent businesses to the Central Valley's agricultural operations. Whatever your industry, if you're generating revenue, Four Point Group can help you access capital faster than a bank.
Our California business loans range from $10K to $1M, underwritten on your revenue history. No personal assets required. Decisions in days.
Who Qualifies for California Business Loans?
Most California business loan applicants have:
- **$20K+ average monthly revenue** (3–6 month trailing average via bank statements)
- **6+ months in business** operating in California
- **Active business checking account** showing consistent deposit patterns
What Can California Business Loans Cover?
- **Working capital** — cover cash flow between seasonal peaks and troughs
- **Equipment and inventory** — purchase equipment or stock for peak seasons
- **New location costs** — lease deposits, build-out, initial inventory for expansion
- **Payroll bridge** — cover staffing costs during transitions or slow periods
- **Renovation and growth** — update your space or invest in growth
Why California Businesses Choose Four Point Group
- **Revenue-based underwriting** — your bank statements matter more than your credit score
- **No personal collateral required** — your personal assets stay out of the conversation
- **Fast decisions** — 5-minute application, 24-hour advisor response
- **Industry breadth** — we work with restaurants, contractors, retailers, tech services, and more
Industries We Serve in California
- Restaurants and food service
- General contractors and trades
- Retail and e-commerce
- Tech services and SaaS
- Healthcare and wellness
- Professional services
**No hard credit pull on the initial application.** Apply in 5 minutes, get a response within 24 hours.
**Apply for California business loans** — 5-minute application, 24-hour advisor response.