# Small Business Loans in California

> California has the largest economy of any U.S. state — and one of the world's largest overall — powered by technology, agriculture, entertainment, trade, and tourism. Hoss Capital matches California business owners with funding partners that lend across the state, from Los Angeles, San Diego, and San Jose to the Central Valley and Inland Empire.

## Key takeaways
- California requires standardized cost and APR disclosures on commercial financing of $500,000 or less — including merchant cash advances — under SB 1235 (mandatory since December 2022), expanded by SB 362 effective January 1, 2026.
- It is the largest U.S. state economy, anchored by technology, agriculture, entertainment, trade, and biotech.
- Six SBA district offices serve California, with jurisdiction determined by the county your business operates in.

## Funding the California economy

No state offers a wider range of business opportunity than California. From the
software and venture corridors of San Jose and San Francisco, to the studios and
ports of Los Angeles, to the farms of the Central Valley and the biotech labs of
San Diego, the state's economy is enormous and diverse. That scale — combined
with notably high costs for labor, real estate, and inventory in many
markets — creates constant demand for capital to hire, expand, buy equipment, and
bridge the gap between invoicing and getting paid.

### Industries we fund across California

- **Technology & software** — revenue-based financing and lines of credit for
  the Bay Area and Silicon Valley startup ecosystem.
- **Agriculture** — equipment and working capital for Central Valley growers,
  packers, and ag-services businesses around Fresno and Bakersfield.
- **Entertainment & media** — production and post-production financing across
  the Los Angeles metro.
- **Tourism & hospitality** — working capital for restaurants, hotels, and
  attractions from San Diego to Napa.
- **Trade & logistics** — invoice factoring and equipment loans tied to the
  Ports of Los Angeles and Long Beach and the Inland Empire warehouse corridor.
- **Healthcare & biotech** — practice financing and build-outs across San Diego,
  the Bay Area, and Greater LA.

### What California's disclosure laws mean for you

If you're weighing a merchant cash advance or other commercial financing in
California, the state requires providers to give you standardized, up-front cost
and APR disclosures on offers of $500,000 or less — and, as of SB 362 in January
2026, to be more careful and transparent about how they describe rates and
pricing. That's good for borrowers: it makes comparing offers far easier.
Hoss Capital only works with partners who operate transparently.

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Canonical: https://hoss-capital.pages.dev/locations/california/

Sources:
- https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=FIN&sectionNum=22800.
- https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB362
- https://dfpi.ca.gov/regulated-industries/california-financing-law/about-california-financing-law/california-financing-law-commercial-financing-disclosures/
- https://dfpi.ca.gov/wp-content/uploads/sites/337/2022/06/Commercial-Financing-Disclosure-PR-June-2022.pdf
- https://www.sba.gov/district/los-angeles
- https://www.sba.gov/district/san-diego
- https://www.sba.gov/district/orange-county-inland-empire