Compare 12 business loans companies serving San Diego, California. Average rating: 4.3/5.
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
BEST Lending Co offers direct private loans for real estate investors, including fix-and-flip bridge loans, DSCR loans for rental properties, and construction financing with online closing.
Best for: Real estate investors seeking short-term bridge financing for fix-and-flip projects with fast closing timelines, Landlords refinancing or purchasing rental properties (including short-term rentals) wanting DSCR loan qualification without W2 income
Coast Funding provides working capital solutions and specialty financing to small businesses nationwide, offering loans from $5K-$5M with funding available in as little as 24 hours.
Best for: Small business owners needing quick working capital for immediate cash flow gaps without risking personal credit, Healthcare practitioners (dental, medical, chiropractic) and construction businesses seeking specialized equipment financing
Complete Lending provides hard money and private money loans to real estate investors nationwide, specializing in fix-and-flip, DSCR rental, construction, and bridge financing with fast closings.
Best for: Experienced real estate fix-and-flip investors needing quick acquisition and renovation financing, Rental property investors building portfolios using DSCR-based underwriting without traditional income verification
Formula Funding provides working capital loans and lines of credit to small businesses with $10K+ monthly revenue and 1+ year operating history.
Best for: Established small business owners (1-3+ years) needing quick working capital outside bank timelines, Business owners with fair or poor credit scores unable to qualify for traditional bank lines of credit
Liberty Capital Group offers flexible business funding solutions including loans, equipment leasing, and merchant cash advances for small to medium enterprises across multiple industries.
Best for: Small to medium-sized businesses needing equipment or truck financing for specific industries (restaurants, medical, construction, manufacturing), Subcontractors and blue-collar businesses seeking working capital or equipment loans
Mulligan Funding offers working capital and term loans up to $5M for established businesses with $750K+ annual revenue, same-day funding, human underwriters, A+ BBB rating, and 4.9/5 Trustpilot score.
Best for: Established businesses with $750K+ annual revenue needing large working capital, Borrowers who prefer human underwriting over automated decisions
BEST Lending Co offers direct private loans for real estate investors, including fix-and-flip bridge loans, DSCR loans for rental properties, and construction financing with online closing.
Best for: Real estate investors seeking short-term bridge financing for fix-and-flip projects with fast closing timelines, Landlords refinancing or purchasing rental properties (including short-term rentals) wanting DSCR loan qualification without W2 income
Coast Funding provides working capital solutions and specialty financing to small businesses nationwide, offering loans from $5K-$5M with funding available in as little as 24 hours.
Best for: Small business owners needing quick working capital for immediate cash flow gaps without risking personal credit, Healthcare practitioners (dental, medical, chiropractic) and construction businesses seeking specialized equipment financing
Complete Lending provides hard money and private money loans to real estate investors nationwide, specializing in fix-and-flip, DSCR rental, construction, and bridge financing with fast closings.
Best for: Experienced real estate fix-and-flip investors needing quick acquisition and renovation financing, Rental property investors building portfolios using DSCR-based underwriting without traditional income verification
Formula Funding provides working capital loans and lines of credit to small businesses with $10K+ monthly revenue and 1+ year operating history.
Best for: Established small business owners (1-3+ years) needing quick working capital outside bank timelines, Business owners with fair or poor credit scores unable to qualify for traditional bank lines of credit
Liberty Capital Group offers flexible business funding solutions including loans, equipment leasing, and merchant cash advances for small to medium enterprises across multiple industries.
Best for: Small to medium-sized businesses needing equipment or truck financing for specific industries (restaurants, medical, construction, manufacturing), Subcontractors and blue-collar businesses seeking working capital or equipment loans
Mulligan Funding offers working capital and term loans up to $5M for established businesses with $750K+ annual revenue, same-day funding, human underwriters, A+ BBB rating, and 4.9/5 Trustpilot score.
Best for: Established businesses with $750K+ annual revenue needing large working capital, Borrowers who prefer human underwriting over automated decisions
Steer Financial is a business loan marketplace connecting small business owners with 45+ partner lenders for term loans, equipment financing, and lines of credit with same-day decisions.
Best for: Small business owners seeking quick capital access without traditional bank bureaucracy, Businesses needing equipment financing or lines of credit beyond term loans
CDC Small Business Finance is a nonprofit SBA lender providing small business loans and SBA 504 commercial real estate financing with personalized advising since 1978.
Best for: Small business owners seeking SBA 504 financing to purchase commercial real estate or equipment, Startup entrepreneurs and established business owners needing working capital loans with personalized guidance
California Bank of Commerce, N.A. is a national bank specializing in business banking relationships built on trust, expertise, and tailored financial solutions for California businesses.
Best for: Established California-based businesses seeking dedicated business banking relationships, Companies prioritizing personalized service and customized financial solutions over digital-only banking
Community Development Financial Institution offering small business loans up to $250,000 in Southern California, with wraparound support for underserved entrepreneurs.
Best for: Women entrepreneurs and entrepreneurs of color seeking capital for startup or expansion, Low-to-moderate income business owners unable to qualify for traditional bank loans
U.S. Small Business Administration San Diego District Office provides government-backed small business funding, counseling, and federal contracting support for entrepreneurs in San Diego and Imperial counties.
Best for: Small business owners in San Diego or Imperial counties seeking affordable government-backed financing, Veteran-owned businesses looking for specialized SBA support and training
National Funding is a San Diego-based direct lender founded in 1999 that has provided over $4.5 billion to 75,000+ businesses, offering small business loans up to $500K and equipment financing up to $150K with 24-hour funding and no collateral required.
Best for: Established small businesses needing fast $5K-$500K working capital without pledging collateral or facing prepayment penalties, Industry-specific businesses (construction, trucking, agriculture, medical) seeking equipment financing up to $150K with no down payment