60-second application
Short form. Three months of bank statements. No P&Ls, no projections, no personal financial disclosures. Done before your coffee gets cold.
Direct funder in California
California rent won't wait. Neither should your capital.
Highest operating costs in the country. $16/hr minimum wage. Commercial rent that eats 15% of gross. California businesses need capital fast, and banks take 90 days. We take 24 hours.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why California
4.2 million businesses. The most expensive state to operate in.
A restaurant in West Hollywood pays $18K/month in rent before a single customer walks in. A retail shop on Valencia Street in SF is looking at $12K. Wildfire insurance premiums in LA County jumped 40% in two years. Minimum wage is $16/hr statewide, higher in some cities. California is where businesses go to compete at the highest level -- and where thin margins kill the ones that can't access capital when they need it.
The SBA loan process in California averages 60-90 days. That's two full months of rent payments, payroll runs, and vendor invoices that pile up while some underwriter reviews your 2023 tax returns. For the taqueria owner in East LA who needs $30K for a kitchen remodel, or the dev agency in San Diego waiting on a $200K contract payment, two months is the difference between growth and shutdown.
We've funded 1,800+ California businesses because we skip the part that wastes your time. Three months of bank statements. A decision the same day. Money in your account within 48 hours. LA, SF, Sacramento, San Diego -- we fund across the state every single day.
$5K - $2M
Funding range
32 Hours
Avg. funding time in CA
1,800+
CA businesses funded
Who we fund in California
The industries that keep calling us back.
California's cost structure squeezes every industry. These four feel it the most and need capital the fastest.
Restaurants
More restaurants per capita than any state. An LA owner paying $15K/month rent and $16/hr labor doesn't have room for a surprise $25K HVAC replacement. SF is worse. We fund the repair, the remodel, or the payroll gap so the doors stay open.
Tech & Services
Most California tech companies never see a VC term sheet. Bootstrapped dev agencies in Silicon Beach, IT shops in the Valley, SaaS companies in Sacramento -- they run on contract revenue with 30-60 day payment terms. We bridge that gap so they can hire and deliver.
Retail
Melrose Ave boutiques. San Diego surf shops. Napa wine retailers. They all share the same problem: inventory costs money 90 days before customers spend money. One missed buying window and you lose the whole season. We fund the stock-up.
Construction
California's housing shortage means permits are backed up and demand is through the roof. Contractors in LA and the Bay Area win $500K jobs but burn through cash on materials, permits, and labor before the first draw shows up. We cover that front-end cost.
How it works
Apply today. Funded tomorrow.
LA, SF, Sacramento, San Diego. Same process. No one asks for your business plan or your last three tax returns.
Same-day decision
We look at deposits. California's high overhead means your expenses are big -- we get that. If revenue is consistent, you're approved. Hours, not weeks.
Capital hits your account
One signature. Money wires in 24-48 hours. Cover rent, make payroll, buy inventory, replace the walk-in. Whatever California threw at you this month.
California field note
$60K wired. 36 hours. Best quarter ever.
Retail store owner · Los Angeles, CA
"I needed to double my inventory 6 weeks before the holidays. Bank wanted three years of financials and quoted me 60 days. Westline looked at my last 90 days of deposits and wired $60K in 36 hours. Stocked up, ran aggressive Black Friday promos, and did 41% more than my best quarter."
Common questions
California business funding — answered.
Do you fund California businesses with bad credit?
Yes. We've funded California businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a California business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can California businesses qualify for?
$5K-$2M is the typical advance range for California businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. LA to the Bay to San Diego -- same speed everywhere.
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