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Find the Best Small Business Loans in San Diego, CA

All companies reach a point where they need to take the next step. Business loans provide capital for improvements, equipment and staff expansion that help businesses grow. We researched the best business loans in San Diego to guide your search for lenders that offer competitive interest rates, quick approval and fast access to funds.

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Compare Top Business Loans

Seek Business Capital
Overall satisfaction rating
  • Available in San Diego
  • More than 92% funding approval rate
  • Get approved the same day
  • Apply online

Startup Consulting • Business Services

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Imperial Advance
  • Financial consulting offered
  • Flexible loan programs
  • Funds are available in 24 hours
  • Available in San Diego

Imperial Advance is a business loan broker that finds loan offers for you. Simply create an account, fill out your financial information and you will receive several different quotes. Funds are available within 24 hours.

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National Business Capital
  • More than $1 bilion in funding secured
  • Multiple financing options
  • Available in San Diego
  • More than 10 years of industry experience

Founded in 2009, National Business Capital is a business financing provider best known for their fast approval and funding processes. NBC specializes in business equipment financing, lines of credit and small business loans.

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Bank of Cardiff
  • Online application
  • Small business working capital loans
  • Short-term business loans
  • Funding in as little as 24-48 hours
12626 High Bluff Dr., Ste. 370
San Diego, CA 92130
(888) 234-0166
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Mulligan Funding
  • 24 hour approval
  • Funding in 1-2 business days
  • Working capital loans
  • Small business term loans
4619 Viewridge Ave.
San Diego, CA 92123
(855) 326-7623
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Formula Funding
  • M-F: 7am - 5pm
  • Closed Sat and Sun
  • formulafunding.com
5465 Morehouse Dr., Ste. 200
San Diego, CA 92121
(858) 800-3716
Union Bank
  • M-Thurs: 9am - 5pm
  • F: 9am - 6pm
  • Closed Sat and Sun
  • unionbank.com/small-business
3900 Fifth Ave., Ste. 100
San Diego, CA 92103
(619) 682-5160
Liberty Capital Group
  • M-F: 7:30am - 5pm
  • Closed Sat and Sun
  • libertycapitalgroup.com
1011 Camino Del Rio S., Ste. 440
San Diego, CA 92108
(888) 789-4365
ViewRidge Funding
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • viewridgefunding.com
4719 Viewridge Ave., Ste. 170
San Diego, CA 92123
(858) 401-7195
Better Business Funding
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • betterbusinessfunding.com
201 Lomas Santa Fe Dr., Ste. 520
Solana Beach, CA 92075
(844) 294-2622

How to get a business loan in San Diego


Business loans help San Diego businesses invest in new equipment, add new employees, increase inventory or cover unexpected expenses. Start-up businesses face a different set of costs and might choose a business loan to lease office space or pay for advertising.

Some of the most common types of business loans in San Diego include:

  • Term loans are the most common types of business loans. These loans provide upfront cash that is paid back over a predetermined period of time. They can be short-term or long-term loans.
  • Business lines of credit are similar to credit cards. They allow businesses to access funding up to a specified amount, and the company only pays interest on the amount used.
  • Invoice financing is ideal for companies that need a quick infusion of cash. The company’s outstanding invoices serve as collateral for the loan.
  • Merchant cash advances give a company cash upfront that is repaid by withholding a certain percentage of the company’s daily credit and debit card sales.
  • Equipment loans are used to purchase needed equipment. These loans may require a down payment, and the purchased equipment serves as collateral for the loan.
  • U.S. Small Business Administration (SBA) loans are offered from third-party lenders and secured by the U.S. Small Business Administration. These are generally long-term loans with a rigorous application process.

Many business lenders that work with companies in San Diego offer online applications. Depending on the type of loan, be prepared to provide business financial history and specifics, including bank account statements. The amount of time your company has been in business and its monthly revenue may also affect your eligibility for loans.

Most types of traditional business loans require collateral. In general, lenders look for assets that will substitute for repayment if the business fails to pay back the loan. For loans like equipment loans or loans used to buy property, the item purchased with the funding usually serves as collateral.

Most traditional lenders in San Diego require good credit history, especially for long-term business loans. If you’re having trouble qualifying for business loans because of poor credit, online lenders often choose to focus on your business plan and viability and can provide consulting to help you receive the best loan terms.

Comparing business loans in San Diego

Borrowers must pay interest fees on borrowed funds. Ask lenders about loan origination fees, prepayment penalties, cancellation fees or other types of fees they might charge for a business loan. Many lenders require monthly payments. If you are worried about coming up with a large monthly sum, ask about options to make smaller daily or weekly payments.

In 2018, California adopted the nation’s first truth in small business lending law, which is designed to create transparency by requiring lenders to communicate the terms of the loan clearly. At the time the financing is offered, the lender must disclose:

  • The total amount of financing
  • The total repayment cost of financing
  • The term length of the loan
  • The frequency and amount of payments
  • Policies regarding loan prepayment
  • The annualized rate of the loan

Lenders in San Diego may also have additional services available that can help you as you start or grow your company. By carefully comparing loan offers and other ways a lender can help you, you can find a company that partners with you and helps your business thrive.

Business Loans Reviews

Seek Business Capital

Seek Business Capital is based in Los Angeles and provides a range of services for businesses. San Diego businesses and entrepreneurs can access the lender’s services online, and the company reviews applications within hours. Most reviewers experienced friendly and knowledgeable customer service and reliable access to funding.

Seek Business Capital

Imperial Advance

Imperial Advance is an online lender that provides business funding in-house or from a selection of third-party lenders. The lender also offers a variety of business services to help your company grow. Customers in San Diego say they liked the easy application process and professional customer service representatives.

Imperial Advance

National Business Capital

National Business Capital is an online lender that connects businesses to third-party lenders. The company offers a wide range of options, including start-up funding. Reviewers in San Diego found customer service to be responsive and helpful, and borrowers report receiving funding quickly and without hassle.

National Business Capital

Bank of Cardiff

Bank of Cardiff has a branch in San Diego and provides working capital loans, merchant cash advances, equipment loans and accounts receivable financing. The bank also offers options for larger businesses. San Diego customers give the company consistently high marks for fast access to funds and helpful customer service agents.

Bank of Cardiff

Mulligan Funding

Mulligan Funding is a family-owned online lender based in San Diego. The company offers working capital loans, term loans and lines of credit. Services are available in Spanish. Customers rated the company highly for its courteous and caring customer service, quick processing and transparent practices.

Mulligan Funding