How To Qualify For
Commercial Loans in California

Getting approved for commercial loans in California can be difficult. Many companies are not familiar with what is needed to qualify for business loans or a even construction loans in California.


The best way to ensure that you get the loan is have collateral. However sometimes we don't have anything to use as collateral so how do we qualify?


In these cases, there are other types of loans you can qualify for, especially if you are a start-up.


Or even if you are an established company and can prove that you have solid, consistent earning history. Bringing in the proper documentation such as a sound business plan and executive summary, cash-flow statements, asset and debt reports would sway things in your favor.


Finding the right California private commercial lender can make that easier.


The truth is many private lenders are just looking for proof that you can repay the loan on time. This means it's up to you to show them that you have the revenue to pay the loan off over time.


Things like business tax documents for the last year to two year will also be needed. This will show you are established and that you currently have revenue coming in. 


If you are struggling and just need a bit to get by on, then applying for a private hard money loan with a private hard money lender in California maybe what you need.

Construction Loans in California

If it is a California construction loan you are looking for, then you will need to know exactly how long the construction project will take, what the project entails, and how much profit your company stands to gain by doing it.


Since these are private investor-funded loans, there fewer restrictions, relaxed lending guidelines and the funding cycle is almost always faster than with traditional banks.


Private lenders allow you to not only get approved easier, but they also allow you to get approved faster for these kinds of commercial loans in California.



California Bridge Loans & Hard Money Loans

If you are having difficulty borrowing the capital you need, you may qualify for a bridge loan, or a hard money loan in California. Hard money lenders in California can offer you a competitive rate, depending on how much collateral you have, and your business' ability to repay the loan.  


Benefits Of Hard Money Loans:


Hard money loans can be given to businesses who have bad credit issues, to keep the company running by providing working capital.


Additionally a bridge loan is used when a company is waiting on funds from a project, or investor, and the business needs the money to continue to operate while waiting for this other funding.


Below are some benefits of getting a bridge loan.


-open payoff date

-short-term loan

-can improve your business credit


Finding the right private hard money lenders in California can be challenging. Being prepared when applying is key.


Showing the lender that you have the means to repay the loan by providing proof of consistent business revenue will certainly help.


California Commercial loans Regional Locations


California is the third largest state in the United States. It is home to over 38 million residents, who have an average annual income of over $60,000.


This great “Sunshine” state has plenty of room for expansion. Making it a great place for you to start or expand your current business. 


If you are looking for great sunshine, plenty of potential customers/clients, and a brand new market place for your industry, California is the perfect place to call home.


It is among one of the most favored places to live in United states, and with over 10 cities being in the United States top 50 cities who wouldn't want to live there?


Los Angeles

San Francisco

Stockton

Sacramento

Long Beach

Glendale

San Diego

Santa Ana

Huntington Beach

Oakland

Anaheim


Chula Vista

San Jose

Bakersfield

Fremont

Riverside

Modesto

San Bernardino

Irvine

Orange County

San Luis Obispo



Business-Funding-Advisors.com Is Your Complete Solution For Commercial Loans in California


Business-Funding-Advisors.com has many years experience in commercial lending. Because we work with private investors, we have the money available for commercial loans in California when traditional banks won't lend.


Since we're not subject to FDIC regulations, our lenders are able to make their own underwriting decisions, based on their own guidelines.


This means many more loan approvals...and much quicker fund closings than banks!


We work with all businesses, small, medium and large. And we offer a wide range of financial products, providing you with much-needed funding in your business.


We have an extensive network of private lending sources to meet your business' funding need for commercial loans in California.These private lenders are aggressively positioned to fill the vacuum left by conventional banks.


If you need a California commercial loan, fill out the brief form below. One of our consultants will contact you within 24 hours.


QUICK COMMERCIAL LOAN APPLICATION


We provide FREE, no obligation evaluations, with no upfront costs, or expensive fees for approval to our private lender programs.


- Minimum loan amounts (for commercial building projects): $100K with no maximum.


(Loans approved for commercial only, not single-family residential projects.)


- No pre-payment penalties on programs offered.


We will respond to your loan application within 24 hours!


Commercial Loan App

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Merchant Cash Advance and

Working Capital Loan Programs

are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


Commercial loans are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,

 Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


COMMERCIAL LOAN PROGRAM HIGHLIGHTS


Commercial Real Estate Programs

· Lending Area: Nationwide & International


· Loan Size: $100,000-no maximum


· Rates as low as 3.74%

· up to 90% LTV


APPLY HERE

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Commercial Development & Construction Loans

· National & International


· $2MM-$50MM


· Interest Rate: 5-9% Fixed (1% for churches)


· Amortization: up to 25 years


· Zero fees


· Points: Up to 3%, paid at closing


· Term: 5 yrs; also can structure a construction to permanent loan with interest only during draw down periods.


APPLY HERE

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Hard Money Loans Rates and Criteria:

· Loan Size: $100K-$100MM


· Lending Area: National & International


· Collateral: We lend to mainly on commercial real estate, including raw land and development projects


· Interest Rates: 7-14% (rates depend on collateral)


· Amortization: Interest only


· LTV: Up to 80%

· Origination Fee: 1-4%

· Closing time: 1 week to 30 Days


APPLY HERE

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Bridge Loans

· Loan Size: $1MM-$15MM


· LTV: Up to 75%


· Rate: 5-7%


· Term: 1-3 years, Interest Only


· Property Types: Office, Retail, Industrial, Multi-Family, Manufactured Housing, Condominiums, Self Storage, Special Use, Hospitality, Assisted Living/Congregate


APPLY HERE

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Unsecured Business Lines of Credit

· $25,000-$100,000 (start up businesses with no established revenue and business owner with good credit)


· $100,000-$500,000 (established businesses w/ revenue of $1MM or more; no collateral if good credit and financials)


· 0% intro rates on business credit card solutions, to 1-5% over prime for large credit lines.


· No "subprime" unsecured lines


APPLY HERE

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Click Here To Apply for A Business Cash Advance or Working Capital Loan


Bank ACH or Credit Cards


90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

___________________


Restaurant-Retail, 
Small Business Loan Program


  • · Unsecured Loans up to $1,000,000 per location

  • · No Collateral Required

  • · Minimum Annual Sales: $150,000

  • · Minimum: 550 FICO

  • · Must be in business at least 1 month to document sales

  • · Loan amounts below $150,000 require NO tax returns or financial statements


APPLY HERE

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Customer Finance Programs for Businesses

· Can finance your customers down to a 500 FICO;

can finance your turndowns from your current credit provider


· Instant online credit processing and approval


· E-signature capabilities


· Can purchase or collect bad debt portfolios


· Industries include: Medical, Dental, Jewelry Retail, Furniture, Memberships, Private school tuition, Security/Alarms, Vocational Schools, Travel, etc.


APPLY HERE

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Click Here to Apply for

A Private Lender Commercial Loan


- Zero upfront costs, zero fees for approval to our programs.


- Minimum loan amounts: $100K for commercial building projects, with no maximums.


- No pre-payment penalties on programs offered.

_________________


Click Here To Apply for A Merchant Cash Advance or Working Capital Loan


- Bank ACH or Credit Cards


- 90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

_________________________


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