Business Loans Provider Profiles in San Diego, CA

Review 16 listed business loans profiles associated with San Diego, California. Average stored Google rating where available: 4.6/5.

16 Listed Profiles 11 Google-rated Payday: Legal

California Lending Regulations

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.

Usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100 Agency: California Attorney General Consumer Protection

Provider Profiles for Business Loans

BEST Lending Co

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.

5.0/5

Google rating from 40 reviews

BBB: NR

Profile signals: 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

Formula Funding

Formula Funding provides working capital loans and lines of credit to small businesses with $10K+ monthly revenue and 1+ year operating history.

5.0/5

Google rating from 122 reviews

BBB: NR

Profile signals: 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

Steer Financial - Small Business Loans

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.

5.0/5

Google rating from 8 reviews

BBB: NR

Profile signals: Small business owners seeking quick capital access without traditional bank bureaucracy, Businesses needing equipment financing or lines of credit beyond term loans

Coast Funding

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.

4.9/5

Google rating from 90 reviews

BBB: NR

Profile signals: Small business owners needing quick working capital for short-term cash access flow gaps without risking personal credit, Healthcare practitioners (dental, medical, chiropractic) and construction businesses seeking listed equipment financing

Complete Lending

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.

4.9/5

Google rating from 53 reviews

BBB: NR

Profile signals: 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

Mulligan Funding, LLC

Mulligan Funding offers working capital and term loans up to $5M for established businesses with $750K+ annual revenue, provider-stated funding timing, human underwriters, A+ BBB rating, and 4.9/5 Trustpilot score.

4.7/5

Google rating from 132 reviews

BBB: A+

Profile signals: Established businesses with $750K+ annual revenue needing large working capital, Borrowers who prefer human underwriting over automated decisions

Listed Business Loans Profiles in San Diego (16)

BEST Lending Co

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.

5.0/5

Google rating from 40 reviews

BBB: NR

Profile signals: 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

Formula Funding

Formula Funding provides working capital loans and lines of credit to small businesses with $10K+ monthly revenue and 1+ year operating history.

5.0/5

Google rating from 122 reviews

BBB: NR

Profile signals: 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

Steer Financial - Small Business Loans

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.

5.0/5

Google rating from 8 reviews

BBB: NR

Profile signals: Small business owners seeking quick capital access without traditional bank bureaucracy, Businesses needing equipment financing or lines of credit beyond term loans

Coast Funding

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.

4.9/5

Google rating from 90 reviews

BBB: NR

Profile signals: Small business owners needing quick working capital for short-term cash access flow gaps without risking personal credit, Healthcare practitioners (dental, medical, chiropractic) and construction businesses seeking listed equipment financing

Complete Lending

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.

4.9/5

Google rating from 53 reviews

BBB: NR

Profile signals: 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

Mulligan Funding, LLC

Mulligan Funding offers working capital and term loans up to $5M for established businesses with $750K+ annual revenue, provider-stated funding timing, human underwriters, A+ BBB rating, and 4.9/5 Trustpilot score.

4.7/5

Google rating from 132 reviews

BBB: A+

Profile signals: Established businesses with $750K+ annual revenue needing large working capital, Borrowers who prefer human underwriting over automated decisions

Liberty Capital Group, Inc.

Liberty Capital Group offers flexible business funding solutions including loans, equipment leasing, and merchant cash advances for small to medium enterprises across multiple industries.

4.5/5

Google rating from 8 reviews

BBB: NR

Profile signals: 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

National Funding

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.

4.5/5

Google rating from 485 reviews

BBB: NR

Profile signals: 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

Accessity

Community Development Financial Institution offering small business loans up to $250,000 in Southern California, with wraparound support for underserved entrepreneurs.

4.4/5

Google rating from 79 reviews

BBB: NR

Profile signals: 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

CDC Small Business Finance

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.

4.0/5

Google rating from 64 reviews

BBB: NR

Profile signals: 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

U.S. Small Business Administration - San Diego

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.

3.6/5

Google rating from 33 reviews

BBB: NR

Profile signals: Small business owners in San Diego or Imperial counties seeking affordable government-backed financing, Veteran-owned businesses looking for listed SBA support and training

California Bank of Commerce, National Association

California Bank of Commerce, N.A. is a national bank specializing in business banking relationships built on trust, experience context, and tailored financial solutions for California businesses.

BBB: NR

Profile signals: Established California-based businesses seeking dedicated business banking relationships, Companies prioritizing personalized service and customized financial solutions over digital-only banking

California Southern Small Business Development Corporation

California Southern is a loan listed refund term lender serving San Diego and Imperial Counties since 1989, helping small businesses access financing by assuming lending risk with partner banks.

BBB: NR

Profile signals: Minority-owned and women-owned small businesses in San Diego or Imperial Counties seeking conventional bank financing, Small to mid-size businesses with good business plans but insufficient credit history or collateral for traditional loans

Civic Communities

Civic Communities provides capital solutions, consulting, and project management focused on economic development in San Diego's low-income and distressed areas through the New Markets Tax Credit program.

BBB: NR

Profile signals: Small businesses and nonprofits located in San Diego County low-income census tracts seeking growth capital, Community development projects focused on housing, infrastructure, or job creation in disadvantaged areas

Mega Auto Finance

Mega Auto Finance purchases retail installment contracts from California auto dealerships, specializing in non-prime and sub-prime automotive financing with real-time manual underwriting.

BBB: NR

Profile signals: California residents with non-prime or subprime credit seeking auto financing through dealership partnerships, Auto dealerships in California seeking financing programs to expand their customer base in the subprime market

NPC Payments Credit Card Processing

NPC Payments is a San Diego-based merchant services provider offering credit card processing, POS terminals, and payment solutions for businesses of all sizes.

BBB: NR

Profile signals: Small to mid-sized brick-and-mortar businesses (retail, restaurants, gas stations) needing in-person payment processing, E-commerce businesses requiring online payment solutions and recurring billing capabilities