Hard Money Lenders of Los Angeles
Small Business Owners - hard money loans Los Angeles

Borrower Solutions

Small Business Owners in Los Angeles, CA

Real estate backed financing for business expansion, property acquisition, and working capital needs

Financing for Small Business Owners

Small business owners in Los Angeles face constant pressure to grow, adapt, and compete in one of the world's most dynamic business environments. Whether you're expanding your restaurant to a second location, purchasing the building that houses your retail store, or acquiring equipment to scale your manufacturing operation, access to capital determines your ability to execute on opportunities. Hard money business loans secured by real estate provide fast, flexible financing when traditional business lending falls short.

The Los Angeles small business landscape spans virtually every industry, from tech startups in Silicon Beach to family-owned restaurants in Koreatown to logistics companies near the ports. Each business has unique capital needs and growth trajectories that don't always align with conventional lending requirements. Banks typically focus on cash flow, credit scores, and financial statements, which can disadvantage newer businesses, seasonal operations, or those investing heavily in growth.
Our business owner loan programs use real estate equity as the primary qualification basis, opening financing opportunities for businesses that might not qualify for unsecured business loans or SBA financing. We can lend against owner-occupied commercial properties, investment properties owned by the business or its principals, or even residential real estate in some circumstances. This asset-based approach prioritizes collateral value over complex financial documentation, enabling faster approvals and more flexible terms.

Benefits for Small Business Owners

We understand the unique financing needs of small business owners in the Los Angeles market. Our programs offer specialized solutions designed for your success.

Business purpose loans
Owner-occupied options
Stated income programs
Fast business capital access

Get Started Today

Ready to explore financing options for Small Business Owners? Our team is here to help.

Fast Approval
Competitive Rates
Dedicated Support
Call (213) 667-4815

How We Help Small Business Owners

Owner-occupied commercial property acquisition allows business owners to purchase the buildings where they operate, converting rent payments into equity buildup and gaining control over their premises. Los Angeles commercial real estate has appreciated significantly over time, making ownership an attractive wealth-building strategy for established businesses. Our owner-occupied loans finance up to 75% of purchase price with terms tailored to business cash flows.

Business expansion financing supports growth initiatives including new location openings, equipment purchases, inventory expansion, and marketing campaigns. Rather than waiting years to save sufficient capital, business owners can leverage real estate equity to accelerate growth timelines. This is particularly valuable in competitive Los Angeles markets where first-mover advantage can determine success.

Debt consolidation and refinancing help business owners improve cash flow by restructuring existing high-interest debt or accessing equity for operational needs. Many businesses carry expensive merchant cash advances, equipment financing, or credit card balances that strain monthly cash flow. A real estate secured loan can consolidate this debt at lower rates with better terms, freeing up cash for business operations.

Working capital loans provide liquidity for seasonal businesses, growth phases, or unexpected opportunities. By tapping real estate equity, business owners can access substantial capital without the restrictive covenants and reporting requirements of traditional business lines of credit.

Program Benefits

Business purpose loans

Take advantage of our specialized business purpose loans designed specifically for small business owners.

Owner-occupied options

Take advantage of our specialized owner-occupied options designed specifically for small business owners.

Stated income programs

Take advantage of our specialized stated income programs designed specifically for small business owners.

Fast business capital access

Take advantage of our specialized fast business capital access designed specifically for small business owners.

Frequently Asked Questions

What types of real estate can be used as collateral for business loans?

We accept various property types as collateral for business loans including owner-occupied commercial buildings, retail stores, office condos, warehouses, mixed-use properties, and residential real estate (1-4 units) owned by the business or its principals. The property must have sufficient equity to support the requested loan amount after considering existing mortgages. We can take first position liens on unencumbered properties or second position liens behind existing senior debt. Properties can be located anywhere in Los Angeles County, with loan-to-value ratios up to 75% depending on property type and location.

Do you require business financial statements or tax returns?

For loans under $500,000 secured by strong collateral, we typically do not require extensive business financial documentation. We focus primarily on the real estate value and the stated use of funds. For larger loans or situations with complex risk factors, we may request basic business financial information including profit and loss statements and bank statements. However, we do not have strict debt service coverage requirements like traditional business lenders. This asset-based approach makes our loans accessible to newer businesses, those with irregular income, or owners with privacy concerns about financial disclosure.

Can I use loan proceeds for any business purpose?

Yes, business purpose hard money loans can be used for virtually any legitimate business need including property acquisition, equipment purchases, inventory, working capital, marketing, hiring, debt consolidation, and business expansion. We do not restrict how you use the funds once the loan closes. However, we do verify that the stated purpose at application aligns with legitimate business needs. Loan proceeds cannot be used for personal expenses unrelated to the business or for prohibited purposes under California lending laws.

How quickly can I get funding for my business?

Our typical closing timeframe for business owner loans is 10-14 days from application. For straightforward transactions with clear title and completed appraisals, we can close in as few as 7 days. This speed is particularly valuable for time-sensitive business opportunities such as auction purchases, equipment deals with limited availability, or growth opportunities requiring quick capital deployment. We recommend starting the pre-qualification process before you have a specific need identified so you can move quickly when opportunities arise.

What if my business has credit challenges?

Because our loans are secured by real estate, we can work with business owners who have credit challenges that would prevent traditional business loan approval. We do review credit reports, but our focus is on the collateral value and the business purpose rather than credit scores. Recent bankruptcies, foreclosures, or tax liens may affect terms or require additional equity, but do not automatically disqualify applicants. Our goal is to structure loans that make sense given the overall risk profile, which includes credit history but is not solely determined by it.

Explore Other Borrower Types

Multi-Family Properties

Hard money lending solutions for duplexes, triplexes, apartment buildings, and multi-family investments.

Commercial Real Estate Investors

Tailored hard money loans for investors in office, retail, industrial, and mixed-use commercial properties.

Residential Flippers

Specialized financing for house flippers looking to purchase, renovate, and sell residential properties.

Ready to Get Started?

Contact us today to discuss your financing needs as a Small Business Owners.

Call (213) 667-4815