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BUSINESS FUNDING IN CALIFORNIA
Small Business Funding in California
California is a vibrant state filled with innovation and creativity. From the technology hubs of Silicon Valley to the scenic vineyards in Napa, there’s always something new happening.
However, many small businesses find it difficult to get the financial support they need to grow. At Magenta, we understand the challenges of securing small business funding in California, and we’re here to help your business thrive.
No minimum credit score applies to Magenta Core, which requires at least one year in business and $15,000 in average monthly revenue. Other products have different requirements. All funding is subject to review and approval.
FROM BUSINESS OWNERS
Real businesses. Real experiences.
Hear from business owners who have worked with Magenta.
THE MAGENTA DIFFERENCE
Effortless funding.
Tailored to you.
As a flexible business loan alternative, Magenta removes the common barriers business owners face with traditional financing.
We’ve made our application process as innovative as our financing:
Fast Decisions
Offers typically within an hour.
Transparent Terms
Clear, concise, and built for trust.
Credit-Friendly
No hard pull on your credit.
Flexible Repayment
Early payoff discounts.
Dedicated Advisor
Your funding journey guided by a real expert.
HOW IT WORKS
A simple start.
A dedicated advisor.
Applying with Magenta is simple and seamless — because we believe growing your business shouldn’t be complicated.
Fast Review
Get a decision typically within an hour and a tailored offer, upon approval.
Receive Funds
Funding may be available as soon as the same day, subject to approval.
BUSINESSES WE SUPPORT
Industries We Finance in California
Plumbing Business Funding
Plumbing contractors covering equipment, materials, and operational cash flow gaps.
Electrical Contractor Funding
Electrical businesses managing project costs, payroll, and equipment upgrades.
HVAC Business Funding
HVAC companies handling seasonal demand, equipment purchases, and crew expansion.
If you don’t see your industry listed, don’t worry — our team is here to craft a solution tailored to your business.
Retail business funding
Including grocery stores, clothing boutiques, and specialty retail shops.
Explore Retail business fundingRestaurant funding
Supports dine-in, fast-food, quick-service, and catering businesses.
Explore Restaurant fundingPharmacy Funding
Independent pharmacies and compounding pharmacies managing inventory and operations.
Explore PharmacyNail Salon Funding
Nail salons and beauty studios looking to expand services or upgrade equipment.
Explore Nail SalonAutomotive Parts Sales Funding
Auto parts retailers and distributors managing inventory and supply chain costs.
Explore Automotive Parts SalesHealthcare Funding
Serving medical offices, physical therapy clinics, and specialty healthcare providers.
Explore HealthcareA STARTING POINT
Are We a Good Fit?
Magenta supports thriving businesses like yours. Here’s what we look for:
Starting requirements for Magenta Core. All funding is subject to full review and approval.
1+ yearin business
No minimumFICO score
$15,000+average monthly business revenue
Active businesschecking account
FIND YOUR FIT
More than one path. The same guidance.
| Product | Maximum funding | Starting requirements |
|---|---|---|
| Magenta Core | $250,000 | 1 year in business · $15K average monthly revenue · No minimum credit score |
| Magenta Reserve | $1 million | 2 years in business · $40K average monthly revenue · 600+ credit score |
| Term Loans | $500,000 | 1 year in business · $10K average monthly revenue · 600+ credit score |
| Lines of Credit | $150,000 | 1 year in business · $10K average monthly revenue · 600+ credit score |
Meeting starting requirements does not guarantee approval. Magenta specializes in and directly provides revenue-based financing. Term loans and lines of credit may be presented through third-party partners; business loans are restricted to certain states.
PLAN YOUR NEXT MOVE
Business funding calculator.
Explore funding options for your business. Enter your revenue, preferred term, credit range, and goals to see what may be possible.
YOUR PLANNING ESTIMATE
You could be eligible for
$90,000
Capped at the $150,000 line-of-credit maximum.
Capped at the $250,000 Magenta Core maximum.
Capped at the $500,000 term loan maximum.
Select an option to preview its payments.
Your selected term reduced this estimate to support healthy cash flow.
Per day$637Approx. business day
Per week$3,185Approx. 5 business days
Per monthOnly eligible for LOCLOC only
Potentially eligible products
- Revenue-based financing
- Line of credit
- Term loan
Estimates are for illustrative purposes only. Final eligibility, funding amounts, and terms are subject to approval, full underwriting, and review of your business and borrowing history.
CALIFORNIA · MAGENTA
Why Choose Magenta?
We are more than just a lender; we are a partner dedicated to your success. Here’s why California businesses choose us:
Quick Decisions:
Most applications are decided within 60 minutes, so you won’t be stuck waiting for weeks.
Focus on Your Business:
We evaluate your revenue and vision, not just your credit score. We make it easier for new or rebuilding businesses to get funding.
Fixed Repayment Terms:
Your financing agreement explains the payment schedule and any options for requesting a payment adjustment as business revenue changes. Adjustments are subject to review and the terms of your agreement; early-payoff savings depend on the offer.
No Brokers, No Extra Fees:
Magenta directly provides revenue-based financing through Core and Reserve, with a dedicated advisor to explain your offer and agreement. Term loans and lines of credit may be presented through third-party partners; eligibility, pricing and terms vary by product.
Local Expertise:
From Hollywood to Riverside, we understand the challenges businesses face in California. Your dedicated advisor will work with you to create a solution that matches your goals, whether you’re expanding a boutique or automating your warehouse.
SMALL BUSINESS IN CALIFORNIA
About California
California’s economy is diverse and dynamic, with bustling cities like San Francisco and Santa Monica attracting millions of visitors each year. The Central Valley, an agricultural powerhouse, provides food for the nation.
However, seasonal changes, such as the busy holiday rush in Lake Tahoe or the quiet months in Palm Springs, require financial flexibility. Revenue-based financing is a perfect match for this ever-changing environment. This brings the flexibility businesses need to grow.
INVEST IN POSSIBLE.
Ready to Get Started?
Take the first step toward achieving your business goals. Apply now or contact us to learn how Magenta can empower your business to grow.
Apply Now