Commercial Loans For All Your Business Needs

Fixed-term commercial loans provide growing businesses with fast access to working capital for expansion, cash flow management, and other business needs.
Apply Now

Commercial Business Loans

LAF California, LLC offers commercial loans in California pursuant to California Lenders License No. 60DBO-166781.

Flexible Fixed Payments

Choose from fixed daily or weekly payment options.

Loans Up to $350,000

Access up to $350,000 in commercial financing based on your business's qualifications.

Terms Up to 14 Months

Flexible loan terms designed around your business needs.

A Simple, Streamlined Application Process

Getting started is easy. All you need to apply is:

Completed Loan Application

Complete our straightforward business loan application.

Four Most Recent Bank Statements

Provide your four most recent business bank statements.

Same-Day Decisions

Our streamlined review process means you can receive a decision within hours of applying.

Commercial Loan FAQs

What are the requirements for a commercial loan?
For most industries, businesses should have been operating for at least 12 months, average $20,000 or more in monthly revenue over the past four months, and have a minimum 520 FICO score. Requirements may vary based on industry and other underwriting criteria.
Complete our online loan application and provide your four most recent business bank statements. Once we have your completed application and bank statements, our team can begin reviewing your business for financing.
Yes. LAF California considers more than just your credit score when evaluating your application. For most industries, the minimum FICO score is 520, though requirements may vary based on your industry and other underwriting criteria.
LAF California offers commercial loans of up to $350,000. The amount your business qualifies for will depend on factors such as revenue, financial history, existing obligations, and other underwriting criteria.
LAF California offers commercial loan terms of up to 14 months. Your specific loan term will be determined based on your business’s qualifications and underwriting review.
LAF California offers same-day decisions on many completed applications. Once we receive your completed loan application and required bank statements, our team can quickly begin the review process.
LAF California offers fixed daily or weekly payments, depending on the terms of your commercial loan. Payments are automatically debited from your business bank account according to the repayment schedule outlined in your loan agreement.
LAF California is a direct commercial lender, not a broker. We evaluate, underwrite, and fund our own commercial loans for eligible California businesses. LAF California, LLC is licensed under the California Financing Law, License No. 60DBO-166781.

California Commercial Loans, Direct from the Lender

At LAF California, we’re more than a financing company; we’re a direct commercial lender dedicated to California businesses. From application through funding, your loan is handled by our team, giving you a more direct, streamlined lending experience. Whether you’re managing cash flow, purchasing inventory, investing in equipment, or preparing for your next stage of growth, we provide commercial loans designed to help California businesses move forward.

Why businesses choose LAF California:

  • Direct lender, not a broker
  • Commercial loans up to $350,000
  • Terms up to 14 months
  • Fixed daily or weekly payments
  • Same-day decisions on many completed applications

Have Questions? We’re Here to Help. 

Have a question about LAF California or our commercial loan program? Send us a message and a member of our team will be in touch.

"*" indicates required fields

Name*
Your Phone Number*