Rise Business Funding

Long-Term Business Loans in Los Angeles, California

Los Angeles is home to one of the most diverse economies in the country, spanning entertainment, manufacturing, logistics, hospitality, and retail. Whether you operate in downtown LA, the San Fernando Valley, or the South Bay, long-term business loans help you invest in sustainable growth with predictable monthly payments.

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Funding in 30 to 90 Days

Typical funding time is 30 to 90 days, depending on the lender and your documents.

Funding $50K to $5M

Amounts range from $50K to $5M, based on your revenue and credit profile.

All 50 States

Serving businesses across Los Angeles and throughout California

About Long-Term Business Loans in Los Angeles

California's SB 525 took effect in October 2024, setting minimum wages for health care workers at $23 per hour for large systems, with a phased path to $25 per hour across all covered facility types. For a Los Angeles clinic or specialty practice, that cost shift hits immediately but the revenue to cover it arrives over months. That gap is exactly where long-term business loans create breathing room: predictable monthly payments spread over three to ten years let you absorb a permanent labor cost increase without cannibalizing working capital. Health care in Los Angeles is not a niche market. Private education and health services added 161,100 jobs statewide through July 2024, the largest year-over gain of any California sector, and Los Angeles County anchors a significant share of that growth.

The same logic applies across industries that run on long planning cycles. A hospitality operator near the Hollywood Walk of Fame or along the Santa Monica waterfront knows that California generated $150.4 billion in travel spending in 2023, a record that surpassed pre-pandemic levels. Long-term financing matches that rhythm. It lets a hotel or event venue invest in renovation or capacity ahead of the 2028 Olympic and Paralympic Games, which the City of Los Angeles projects will generate nearly $18 billion in regional economic activity, without betting the business on a single season. If your revenue swings with tourism demand, a business line of credit alongside a long-term loan can cover the valleys while the fixed investment compounds.

Agriculture and food production businesses face a related challenge: capital-intensive operations, seasonal cash flow, and equipment that ages whether you use it or not. A food processor tied to California's Central Valley supply chain, where agricultural exports reached $23.8 billion in 2024, needs financing that respects both the harvest calendar and multi-year equipment depreciation schedules. Lenders in the Rise Business Funding network structure equipment financing and long-term loans that align repayment to your actual revenue cycle. Los Angeles-based healthcare business loans and restaurant business loans follow the same principle: the term should fit the asset life, not the lender's convenience.

Financing Options in Los Angeles

Long-Term Business Loans

Secure a lump-sum loan with extended repayment terms ranging from two to ten years. Ideal for major capital investments, location expansions, or significant equipment purchases that require time to generate a return.

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SBA Loans

SBA-backed loans offer some of the most competitive rates and longest repayment terms available to small businesses. Los Angeles businesses in manufacturing, retail, food service, and professional sectors frequently use SBA financing for large growth initiatives.

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Business Line of Credit

A revolving line of credit gives your business flexible access to capital when you need it. Draw funds for payroll, inventory, or unexpected costs and repay as your cash flow allows, keeping your long-term loan reserved for larger investments.

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Equipment Financing

Finance commercial vehicles, industrial machinery, kitchen equipment, or technology infrastructure with loans tied directly to the asset's useful life. Equipment financing preserves working capital while keeping your Los Angeles operation running at full capacity.

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Revenue-Based Financing

Repay your loan as a percentage of monthly revenue, giving your business flexibility during slower periods. This structure is especially popular among Los Angeles hospitality and retail businesses with seasonal or variable income cycles.

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Cash Flow Financing

Cash flow financing evaluates your business's income history rather than collateral, making it accessible to service-based and asset-light businesses across Los Angeles. Use it to bridge gaps, fund operations, or prepare for a major capital investment.

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Requirements to Qualify

Personal FICO Score

650+

Long-term loans require stronger creditworthiness than short-term products. A score of 650 or above typically qualifies, with better scores unlocking lower rates and higher amounts.

Monthly Revenue

$15,000+

Lenders need confidence that your business can sustain monthly payments over multiple years. Strong, consistent revenue is the primary qualification factor for long-term financing.

Time in Business

2+ years

Demonstrates financial stability and an established operating track record. Long-term lenders require a longer history than short-term products to justify the extended commitment.

Bank Account

Business account required

Used to verify revenue patterns, cash flow consistency, and manage automated monthly repayments. Personal accounts are not accepted.

How Rise Works

1

Submit Your Application

Complete our secure online application in minutes and share your recent business bank statements. No hard credit pull is required to apply, and there are no upfront fees.

2

Get Matched and Get a Decision

Rise Business Funding reviews your application and matches you with lenders in our network suited to your business. The lender then underwrites your application in full.

3

Receive Your Funds

Once you accept an offer and finalize documents with the lender, funds go to your business bank account. Typical funding time is 30 to 90 days.

Why Business Owners Choose Rise Business Funding

  • Funding in 30 to 90 Days

    Typical funding time is 30 to 90 days, depending on the lender and your documents.

  • Free to Apply, No Obligation

    Applying costs nothing, and you're never obligated to accept an offer.

  • Compare Before You Commit

    See the options you qualify for side by side, then pick the one whose payments fit your cash flow.

California-Specific Resources

Los Angeles small businesses have access to a strong network of public and nonprofit financing resources that complement private capital. The SBA Los Angeles District Office, which serves Los Angeles, Santa Barbara, and Ventura counties, connects owners to SBA 7(a) and 504 programs as well as no-cost counseling through local partners. Accion Opportunity Fund, a Treasury-certified CDFI, offers SBA 7(a) Community Advantage loans up to $350,000 alongside free one-on-one advising, with over 90% of clients from underserved communities. For businesses that need a guarantee rather than a direct loan, the California Infrastructure and Economic Development Bank runs a statewide Small Business Loan Guarantee Program through regional partners, covering up to 95% on loans up to $2.5 million. These programs are valuable starting points, but approval timelines, sector eligibility rules, and loan caps often leave gaps. Rise Business Funding's long-term loan options are designed to fill exactly those gaps, faster and with more flexible qualification criteria.

SBA Los Angeles District Office

The SBA Los Angeles District Office serves three counties in southeastern California. It connects local small businesses to SBA 7(a) loans, 504 loans and microloans through participating lenders, and to free counseling through Small Business Development Centers, SCORE chapters and Women's Business Centers.

sba.gov

CDC Small Business Finance

CDC Small Business Finance, headquartered in San Diego and part of the Momentus Capital family, is a mission-driven Certified Development Company and a leading national SBA lender. It provides SBA 504 commercial real estate and heavy-equipment loans with an SBA-guaranteed portion up to $5.5 million, SBA 7(a) Community Advantage working capital loans up to $350,000, and small business loans from $30,000 to $350,000 across California, Nevada, and Arizona, serving over 12,000 borrowers across more than 40 years.

cdcloans.com

California SBDC Los Angeles Regional Network

California SBDC Los Angeles Regional Network offers business advising to small businesses in Los Angeles.

lbcc.edu

City of Los Angeles EWDD Small Business Services

The City of Los Angeles Economic and Workforce Development Department provides technical assistance, business development support, and connections to financing for small businesses operating in Los Angeles neighborhoods.

ewdd.lacity.org

Los Angeles County Economic Development Corporation

Los Angeles County Economic Development Corporation offers business advising to small businesses in Los Angeles.

laedc.org

Pacific Coast Regional SBDC

Pacific Coast Regional SBDC offers business advising to small businesses in Los Angeles.

pcrsbdc.org
Statewide programs for California businesses

Frequently Asked Questions

About Funding in Los Angeles

What are long-term business loans in Los Angeles, California?

Long-term business loans in Los Angeles, California are financing products with repayment periods typically ranging from two to ten years or more. They provide a lump sum of capital upfront, which the business repays in fixed monthly installments. These loans are commonly used for major investments such as commercial build-outs, equipment purchases, hiring, or location expansions. Lenders in our network offer long-term options through both conventional and SBA-backed structures, giving Los Angeles business owners access to competitive terms suited to large-scale growth plans.

How do I qualify for a long-term business loan in Los Angeles?

To qualify for a long-term business loan in Los Angeles, most lenders in our network look for a FICO score of 650 or above, at least $15,000 in monthly revenue, two or more years of operating history, and an active business bank account. Stronger credit profiles and longer operating histories typically unlock larger loan amounts and longer repayment terms. Rise Business Funding's application process evaluates your full financial profile to match you with lenders whose qualification criteria align with your situation.

How much can I borrow with a long-term business loan in Los Angeles?

Through Rise Business Funding's lender network, Los Angeles businesses can access funding from $50,000 to $5,000,000. The amount you qualify for depends on your monthly revenue, credit history, time in business, and the purpose of the loan. Larger monthly revenue generally supports access to larger loan amounts, though lenders evaluate each application individually. Use our business funding calculator to explore estimated payment ranges for different loan amounts and terms.

How fast can I get a long-term business loan in Los Angeles?

Most applicants who apply through Rise Business Funding can expect funding within 30 to 90 days. After accepting an offer and completing any required documentation, funds are typically deposited into your business bank account in 30 to 90 days. The exact timeline can vary depending on the lender, the loan amount, and the complexity of your application, but the process is significantly faster than traditional bank financing, which can take weeks or months.

What can I use a long-term business loan for in Los Angeles?

Long-term business loans in Los Angeles, California can be used for a wide range of capital investments. Common uses include opening or renovating a location, purchasing commercial equipment, hiring and training staff, investing in technology infrastructure, acquiring another business, or funding a sustained marketing initiative. The extended repayment period makes long-term loans well suited to investments that generate returns over time rather than immediately, helping owners align loan payments with projected revenue growth.

Can a new Los Angeles business qualify for long-term financing?

Most lenders in our network require at least two years of operating history to qualify for long-term financing. Businesses with fewer than two years of history may have limited options for extended loan terms, but may still qualify for short-term financing or revenue-based products. Once your business passes the six-month mark and establishes consistent revenue, you become eligible for a broader range of long-term loan products. Building a strong bank account history and maintaining a healthy credit score before applying improves your chances of qualifying.

Are SBA loans available to Los Angeles businesses through Rise Business Funding?

Yes. Lenders in our network offer SBA loan programs, including SBA 7(a) loans, which provide some of the longest repayment terms and most competitive structures available to small businesses. The SBA Los Angeles District Office also provides guidance and referrals for businesses exploring SBA financing. SBA loans are particularly well suited to established Los Angeles businesses seeking large amounts of capital for real estate, equipment, or major expansions. Rise Business Funding can help you assess whether an SBA-backed option is right for your situation.

Does my LLC or corporation qualify for a long-term business loan in Los Angeles?

Yes. LLCs, S corporations, C corporations, sole proprietorships, and partnerships can all qualify for long-term business loans through lenders in our network, provided they meet the standard qualification criteria. Your business entity type does not determine eligibility on its own. Lenders will review your business revenue, credit history, time in operation, and bank account activity regardless of your legal structure. Ensure your business entity is registered and in good standing with California before applying, as lenders verify this during the underwriting process.

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