Apply for small business loans in California

Financing is an important part of every business journey.

Whether you are a first-time business owner or a serial entrepreneur, have limited credit history or stellar credit, have a banking partner or have been turned down for a bank loan, are an existing business or your business is pre-revenue, Working Solutions offers affordable loans, application assistance, and free business consulting to support your next step.

Get Started Today

Mercedes Hernandez, Bow N Arrow Clothing
Photo courtesy of Owner

 Our loans have terms to meet the needs of
start-up and early-stage entrepreneurs:

AMOUNT

$5,000 to $100,000

TERM

3-year or
5-year

INTEREST

11% fixed rate

No minimum revenue or credit score, & no collateral required

$50 non-refundable
application fee

$5 UCC filing fee
due at loan signing

5% closing fee
due at loan signing

Interest rate determined during application review

Application Process

Our application process is streamlined and accessible so you can get funded in as little as 2-6 weeks. Our team is here to support you each step of the way.

Apply in 3 steps:

  1. Submit Loan Inquiry

2. Fill Out Application

3. Upload Documents

Take the First Step

We know that credit scores don't tell the whole story, so we look at each business and entrepreneur as a whole and also consider industry experience, loan readiness, and other indicators of repayment ability when we review your application.

See our Eligibility Requirements

Business Consulting

When you get a loan from Working Solutions, you are automatically enrolled in our exclusive Business Consulting Program, which gives you access to one-on-one advising to help your business thrive.

Kris & Kim Nations, Kim Nations
Photo courtesy of owner

Money

FINANCIAL STATEMENTS
CREDIT & TAXES

Management

RISK MITIGATION
RESOURCE MANAGEMENT

Marketing

BRANDING
DIGITAL MARKETING

Get the capital you need to compete.

Apply Today

Need Support?
Get in touch

Frequently Asked Questions

Loan Terms

  • Working Solutions makes loans from $5,000 up to $100,000. Loan amounts are determined after application review.

  • Working Solutions offers an affordable, fixed interest rate of 11%. Interest rates are determined after application review. Businesses located in select geographies may have access to reduced interest rate financing made possible by local partners.

    Loan terms (the amount of time for loans to be repaid) are 3 years or 5 years.

    View our full terms here.

  • Loan funds can be used for business expenses, including but not limited to:

    • Start-up costs;

    • Working capital;

    • Inventory purchases;

    • Equipment and machinery purchases;

    • Leasehold improvements; and

    • Refinancing of Business Debt (specifically refinancing of high-cost or predatory business debt; additional documentation may be required to detail debt(s) when you apply).

    Loan funds may NOT be used to pay personal debt unrelated to the business.

  • To get a sense of how much your monthly loan payments will be, you can use this loan payment calculator. Official payment amounts will be determined once a loan is approved.

  • No, there is no penalty for prepayment of your loan.

Eligibility

  • To view our eligibility requirements, visit our Terms & Eligibility page.

  • For a list of ineligible and restricted industries, visit our Terms & Eligibility page.

  • Yes: Working Solutions serves entrepreneurs who have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN), regardless of citizenship, residency, or documented status.

    Note that loans to ITIN holders follow the same lending guidelines, but additional documents may be requested. Click here to view the list of required documents for ITIN holders.

  • Your credit score alone will not qualify or disqualify you for a loan, but it may impact the approved loan amount.

Application Process

  • Details about you and your business, including but not limited to information about your business practices and financial situation. Estimates are fine for any questions where you may not have an exact answer.

    After submitting the application, you will be asked to upload support documents (financial, legal, and planning) relating to your business. View a list of required documents here.

    We are happy to work with you at your pace to complete the application, and we are available to assist you along the way.

  • Anyone who owns 20% or more of the business is considered an owner. All owners need to be included on the application and will be subject to loan requirements.

  • Once your loan is approved, you will receive funds within 1-2 weeks.

  • Working Solutions charges a $50 application fee. Read our refund policy here.