California Market
California is home to more businesses than any other state — 4.1 million active businesses generating $3.6 trillion in GDP. Los Angeles is the manufacturing, entertainment, and trade capital of the West Coast. San Francisco and Silicon Valley drive global technology innovation. San Diego's biotech and defense sectors fuel billions in commercial activity. The Central Valley is one of the most productive agricultural regions on earth.
But California is also the most expensive state to operate a business. Commercial rents in LA and SF are among the highest in the country. Regulations add cost and complexity. Insurance premiums are climbing. And competition for everything — talent, real estate, customers — is fierce. California businesses don't just need capital. They need capital structured to maximize every dollar in a high-cost environment.
Real Results
Real financing scenarios for California businesses. Every number is based on actual transactions through our lender network.
$5.2M acquisition of a 40,000 sq ft industrial warehouse in the Inland Empire. E-commerce fulfillment company outgrowing their leased space. SBA 504 with 10% down. Monthly payment $3,100 less than their lease. Building equity in the hottest industrial market in America.
$5.2M funded → 10% down → $3,100/mo savings vs lease
$2.1M to acquire a multi-location dental group in North County. 6 operatories, $3.2M annual revenue. SBA 7(a) with 10% down. Outbid a DSO (dental service organization) by closing 8 days faster.
$2.1M funded → beat corporate buyer → 10% down
$1.5M working capital for a SaaS company bridging to their Series A. Revenue-based financing against $4M ARR. No equity dilution. Funded in 4 days. Founder kept 100% ownership.
$1.5M funded → 4 days → zero equity given up
$900K for a farm-to-table restaurant group opening a third location. Kitchen buildout + equipment + 4 months working capital. SBA 7(a) with 10% down.
$900K funded → 10% down → 3rd location open
$3.8M capital stack for a food processing company. $2.2M SBA 504 for the facility, $1.1M equipment line for processing machinery, $500K working capital for seasonal inventory buildup. Central Valley agriculture meets industrial scale.
$3.8M capital stack → 3 products → one application
$1.8M in diagnostic and surgical equipment for a medical group. 10% down ($180K). Section 179 deducted $1.8M in year one. At California's combined federal+state rate of ~50%, tax savings: $900K. Net cost of equipment after tax benefit: essentially free.
$1.8M equipment → $180K down → $900K tax savings
“Our bank offered us $1.2M on a $3.8M expansion. That doesn't work when you're trying to buy a facility, equip it, and keep operations running during the move. Basecamp structured the full amount across three lenders in 24 days. We never would have found that structure on our own.”
— Operations VP, Manufacturing Company, Fresno CA
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries We Fund
LA is the largest manufacturing hub in the US. Aerospace, food processing, textiles, furniture.
🦷2.5M+ healthcare workers. Massive hospital systems, practice groups, biotech.
🏗️$80B+ annual construction spending. Commercial, residential, infrastructure, seismic retrofits.
🍽️90,000+ restaurants. LA and SF are global food capitals.
🚛Port of LA/Long Beach = #1 container port in the Western Hemisphere. Freight moves through California.
💆LA, OC, and SF are top med spa markets nationally.
📦Import/export hub. Central Valley agriculture distribution. LA fashion district wholesale.
🔧30M+ registered vehicles. Emissions compliance drives constant service demand.
⚖️LA, SF, San Diego are major legal markets. Entertainment, IP, real estate, immigration.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Los Angeles | $12.5B | Industrial/multifamily | $4.8M | Declining (industrial) |
| San Francisco | $7.2B | Multifamily/life sciences | $5.5M | Rising (office) |
| San Diego | $4.8B | Biotech/multifamily | $3.2M | Stable |
| Sacramento | $3.1B | Multifamily/government | $2.1M | Stable |
| Inland Empire | $3.5B | Industrial/logistics | $3.8M | Declining |
| Other CA metros | $1.9B | Mixed | $1.5M | Varies |
California's $33B CRE market is the largest in the country. If you're looking at a commercial property, a building acquisition, or an industrial facility — having your financing pre-structured means you close before the competition.
Structure your California financing →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most California businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
California is the largest business lending market in the country and our team works with California business owners every single day. From LA manufacturers building out industrial facilities to San Francisco tech founders who need growth capital without giving up equity — the pattern is always the same. California businesses operate in the most expensive environment in America, and they need capital structured to stretch every dollar.
Here's what our team sees constantly: a California business owner walks into their bank, asks for $3M to buy a facility, equip it, and keep operations running during the move. The bank offers $1.2M. That's not a financing solution — that's a partial answer that forces you to start over somewhere else. Through Basecamp, 70+ lenders compete for your business through one application. Your dedicated specialist builds the full capital stack — SBA 504 for the building, equipment financing for machinery, working capital for the transition. Three lenders, optimized rates, closed in weeks instead of months.
If you're looking at commercial financing in California, you should know that the Inland Empire is the hottest industrial market on the West Coast right now. Vacancy rates are declining, demand is surging, and transactions close fast. For manufacturing businesses, capital stacking is how you fund the full operation without draining cash reserves. Speed matters in California's competitive CRE market — if your financing isn't pre-structured, you're losing properties to buyers who are ready to close. Run your scenario through our commercial funding calculator to see real numbers before you commit.
— Bobby Friel, Basecamp Funding - Founder
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
