WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Credit under 600?Bad credit? No problem. Hard money up to 70% LTV with no credit · fix & flip up to 90/100 · no-FICO business fundingClick here to apply →
California · Small business funding

SBA 7(a) Loans in California

Government-backed loans for California small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
California SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in California

Win-Win Capital Funding arranges SBA 7(a) loans for California businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

California SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in California

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in California

  • Los Angeles
  • Sacramento
  • San Diego
  • San Francisco
  • San Jose

We also lend in suburban, rural and resort markets throughout California.

More California financing

Fix & flip loans in California · Hard money in California · RV park financing in California · Business second mortgage in California · DSCR Loans in California · Bridge Loans in California · Ground-Up Construction Loans in California

Investors in nearby states can see SBA 7(a) Loans in Oregon, SBA 7(a) Loans in Nevada, SBA 7(a) Loans in Arizona.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in California: FAQ

Who qualifies for an SBA 7(a) loan in California?

For-profit California small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in California?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a California SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in California with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

Related loan programs

More in Commercial real estate

Have a California deal in mind?

Send us the numbers. We'll review it and come back with real terms.

Get started

Popular searches

commercial bridge loansmezzanine financingreal estate private equityno doc loansground up construction loansSBA 7(a) loanscreate a debt fundprivate money lendersDSCR loansinstant quote

#CRE #CommercialRealEstate #Multifamily #BridgeLoans #RealEstateFinance #Investing  ·  Share on X · Facebook · LinkedIn · Email