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SBA Loans in California

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$12.6B+
SBA Loans Funded in CA
300+
Lender Partners
10%
Minimum Down Payment
90 sec
Pre-Qualification Time

SBA Financing for California Businesses

California leads the nation in SBA lending volume, with over $12 billion in SBA loan approvals annually. Whether you're acquiring a boutique hotel in Santa Monica, purchasing a medical office in Beverly Hills, expanding a tech startup in Silicon Valley, or financing multi-family property in San Diego, FundMySBA connects you with lenders who specialize in your exact business type and location.

Our network includes over 300 SBA-approved lenders serving every California market -- from Los Angeles to San Francisco, from Orange County to Sacramento. California's massive $4 trillion economy creates enormous opportunity, and our lender partners know exactly how to underwrite deals in the Golden State's unique real estate and business landscape.

What We Finance in California

Hotels & Hospitality

Boutique hotels, motels, resorts, and vacation properties. SBA 504 + 7(a) stacking up to $16.25M.

Commercial Real Estate

Office buildings, retail space, mixed-use, and owner-occupied commercial property. 10% down with SBA 504.

Medical & Dental Offices

Practice acquisitions, medical office buildings, equipment financing, and ambulatory surgery centers.

Multi-Family Properties

Apartment buildings, 5-50 unit properties, owner-occupied multi-family with SBA financing.

Franchise Operations

Franchise buildout, multi-unit expansion, equipment, and real estate for SBA-approved franchise brands.

Business Acquisitions

Buy an existing business with SBA 7(a). Covers goodwill, assets, real estate, and working capital.

California Markets We Serve

Los Angeles San Francisco San Diego Orange County Silicon Valley Sacramento Santa Barbara Beverly Hills Santa Monica Oakland San Jose Fresno Long Beach Palm Springs Napa Valley Pasadena

View all California market guides →

Frequently Asked Questions

What SBA loan programs are available in California?

California businesses can access SBA 7(a) loans up to $5M for working capital, equipment, and acquisitions; SBA 504 loans up to $5.5M for commercial real estate and heavy equipment with fixed rates and 10% down; SBA Express loans up to $500K with 36-hour approval; and SBA Microloans up to $50K for startups.

How fast can I get pre-qualified?

Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your business and funding needs, and we instantly match you with SBA-approved lenders in California. No credit check required for pre-qualification.

What industries qualify for SBA loans in California?

Most for-profit California businesses qualify, including hotels and hospitality, commercial real estate, medical and dental practices, franchise operations, multi-family properties, professional services, manufacturing, and retail. Some restrictions apply to certain industries.

Can SBA loans handle California's high commercial real estate prices?

Absolutely. SBA 504 loans allow up to $5.5M for commercial real estate with just 10% down, and you can stack SBA 7(a) financing for total project costs up to $16.25M. California's strong revenue potential and appreciation rates make it one of the most active SBA 504 markets in the country.

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