Los Angeles Premier Business Loans
Los Angeles Premier Business Loans helps small and medium-sized businesses in Los Angeles grow and scale through practical financing solutions. We offer unsecured and revolving lines of credit with up to 75% of annual revenue, flexible repayment terms, and even interest-only credit lines for better cash flow. Business lines of credit are also available to clients who need additional capital for expenditures. Other options include working capital loans, startup business loans, and fast business loans, which provide a financial lifeline when you need it most. Unsecured business loans, such as SBA 7 (a) and 504 loans, are also available for greater flexibility, up to $15 million. We also offer asset-backed lending secured by receivables, inventory, or equipment. We aid businesses in large acquisitions through HELOCs, income-producing property loans, and equipment financing. Our application process is simple, accessible, and stress-free to help businesses thrive in Los Angeles and beyond.
#1 Business Loan Company in Los Angeles
No Collateral
Unlike traditional banks that demand real estate, vehicles, or equipment as security, our loans are fully unsecured. That means you can access working capital without putting your personal or business assets at risk.
1 to 2 Week Approval
Because of our streamlined process, we can give you a decision in just 7 to 14 days. Quick approvals keep your business moving forward without unnecessary delays or interruptions.
Flexible Credit Consideration
You don't have to be perfect to get a business loan. We evaluate the overall health of your business, including cash flow and revenue potential, so more entrepreneurs have a fair chance to qualify.
Tax-Deductible Interest
Loan interest can be written off as a business expense, reducing your true borrowing cost. Our clients save 10–30% depending on their tax bracket.
What Types of Business Loans Do We Offer?
Term Loans
Used by nearly 45% of small businesses, term loans provide a lump sum repaid over 1–10 years. Amounts typically range from $25,000–$500,000, making them ideal for equipment, inventory, or expansion. Fixed payments offer stability and predictability.
SBA Loans
Partially guaranteed by the government, SBA loans have repayment success rates over 90%. Borrow up to $5M (7a) or $15M (504) with terms up to 25 years and low down payments (as little as 10%). A top choice for startups and growing businesses.
Business Acquisition Loans
The average U.S. business acquisition costs about $350,000, with lenders covering 70–90%. These loans provide capital to buy an existing business, acquire competitors, or complete partner buyouts.
Commercial Real Estate Loans
With terms of 5–20 years and rates around 6–12%, these loans help purchase, refinance, or renovate property. Loan amounts often start at $250,000 and can reach several million, helping businesses build equity and long-term stability.
Working Capital Loans
Since 82% of small businesses face cash flow issues, working capital loans are a lifeline. Ranging from $10,000–$250,000 with terms under 12 months, they cover payroll, bills, or urgent expenses.
Construction Loans
The U.S. construction market exceeds $1.5 trillion annually, and many projects rely on construction loans. With rates of 8–12% and phased funding, these loans support new builds, renovations, or expansions while keeping projects on track.
Bridge Loans
Bridge loans offer quick approvals—often within 5–10 days—with short terms of 6–12 months and rates from 7–15%. Ideal for closing real estate deals or covering temporary cash flow gaps.
Debt Consolidation Loans
Small businesses carry an average of $195,000 in debt. Consolidation loans combine multiple payments into one, often cutting interest costs by 20–30% and freeing up working capital.
Our Business Loan Services
Lines of Credit
Access flexible funding with multiple options tailored to your needs. Choose from unsecured lines of credit up to 75% of annual revenue (maximum $1.5M), revolving LOCs with no cap and terms up to 120 months, or interest-only credit lines from $25K–$150K. Each option is designed to improve cash flow without requiring collateral.
SBA Financing
We offer SBA 7a and 504 loans up to $15 million, featuring low, Prime-based rates and long repayment terms of 10–15 years. For smaller needs, SBA microloans up to $50,000 provide affordable capital with flexible terms, making them a strong choice for startups and growing businesses.
Asset-Backed Loans
Leverage your accounts receivable, inventory, equipment, or real estate to secure funding. Asset-backed loans often provide higher loan-to-value ratios and lower interest rates, making them ideal for businesses with strong tangible assets.
Unsecured Financing
Get funding without pledging collateral. Our working capital loans provide short-term support for up to 24 months, while unsecured term loans offer up to $50K repayable over 3–5 years at Prime + 2–15%. We also provide revenue-based financing from $50K–$2M, with repayments tied to 3–9% of monthly revenue—a flexible solution for businesses, especially those led by diverse founders, looking to scale.
Real Estate Financing
Unlock real estate opportunities with a wide range of solutions. We provide HELOCs with 50–85% LTV, terms up to 30 years, and rates from 5–13%. For larger projects, we also offer rental property loans and income-producing property financing up to $25 million, helping you build long-term wealth through commercial real estate.
Equipment Financing
Finance essential equipment or commercial vehicles without large upfront payments. This option allows you to acquire the tools your business needs immediately, with less emphasis on credit scores, so you can keep operations running smoothly and fuel growth.
Businesses We Helped
"Securing an SBA 7a loan through Los Angeles Premier Business Loans was a game-changer for us. We were approved for $2.5 million with a 10-year term, which allowed us to open a second location without straining our cash flow. The team guided us through every step of the application, making the process far less intimidating than we expected. Thanks to their support, our revenue has grown by 40% in just one year."
"As a seasonal business, cash flow used to keep me up at night. Los Angeles Premier Business Loans set us up with an unsecured line of credit equal to 60% of our annual revenue, and it’s been a lifesaver. We now cover payroll, inventory, and off-season expenses without stress. Having that revolving credit line has given us the flexibility to focus on growth instead of worrying about short-term gaps."
"We needed new trucks and heavy equipment to keep up with demand, but the upfront costs were overwhelming. Los Angeles Premier Business Loans helped us secure $400,000 in equipment financing with affordable monthly payments. Within six months, we doubled our project capacity and landed contracts we couldn’t have handled before. Their team really understood our industry and what it takes to grow."
What documents do I need to prepare before applying for a business loan?
The actual requirements vary depending on the loan type. Some lenders may also ask for additional documents after evaluation.
1. Business Financial Statements
Lenders usually ask for recent profit-and-loss statements, balance sheets, and cash flow statements. These documents show your company’s revenue, expenses, and overall financial stability.
2. Business Tax Returns
Most lenders require 2–3 years of business tax returns. Tax filings provide a verified record of income and help confirm the accuracy of your financial statements.
3. Bank Statements
Expect to provide at least 6–12 months of business bank statements. These statements give lenders insight into cash flow patterns, deposits, withdrawals, and your ability to manage day-to-day finances.
4. Business Plan or Loan Proposal
A business plan or loan proposal outlines how you intend to use the funds and how repayment will be managed. Lenders use this to assess the purpose of the loan and your company’s growth strategy.
5. Legal Documents
Depending on the loan type, you may need to submit business licenses, articles of incorporation, ownership agreements, or franchise agreements. These documents verify your business’s legitimacy and structure.
You Grow, We Finance. Let's Talk Business.
Call us today to explore funding options that are right for your business. It's fast, free, and 100% confidential.
Business Loan FAQs
What’s the difference between a line of credit and a traditional term loan?
A line of credit gives you flexible access to funds as needed, while a term loan provides a lump sum with fixed repayment terms.
How do I know if I qualify for an SBA loan, and what documents will I need?
Eligibility depends on factors like credit history, business size, and financials; you’ll typically need tax returns, financial statements, and a business plan.
What types of assets can be used to secure an asset-backed loan?
You may use accounts receivable, inventory, equipment, or real estate to secure an asset-backed loan.
How quickly can I access funds once I’m approved for a line of credit?
Funds are usually available within a few business days after approval.
What are the typical interest rates and repayment terms for SBA loans?
Rates are generally competitive and tied to the prime rate, with repayment terms ranging from 7 to 25 years depending on the loan type.
Can I finance both new and used equipment through equipment financing?
Yes, most lenders allow financing for both new and pre-owned equipment, subject to condition and value.
How does the application process differ between an SBA loan and an asset-backed loan?
SBA loans require more documentation and government approval, while asset-backed loans are typically faster and based on the value of pledged assets.
Are there penalties for early repayment on equipment financing or lines of credit?
Some lenders charge prepayment penalties, but many offer flexible terms—always check your loan agreement.
What’s the maximum amount I can borrow through each type of loan?
SBA loans can go up to $5 million. The maximum loan amount for lines of credit and equipment financing depends on your revenue and collateral because these are asset-backed loans.
