Funding by State › California › Los Angeles
By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Smart Business Funding provides merchant cash advances of $10,000 to $5,000,000 to Los Angeles businesses. Repayment is a fixed daily or weekly payment, we use a soft credit pull only, offers usually arrive in 1 to 5 hours on a complete file, and funding usually takes 24 to 48 hours. We fund Los Angeles businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and work with us, not a broker or middleman.
Los Angeles small business snapshot
Los Angeles County is large and varied, and over 94 percent of its employer firms have fewer than 20 employees. For firms that size, one large order or one slow month can strain cash flow.
Figures for Los Angeles County as reported by the sources listed at the bottom of this page.
Los Angeles industries we fund
- Restaurants and hospitality: Food services is the largest single industry in the county by employment. Funding can cover payroll, equipment and inventory.
- Healthcare practices: Health services are one of the county's largest employment clusters. Practices use funding for equipment and staffing.
- Transportation and logistics: Ports, warehouses and distribution keep carriers and logistics firms busy. Funding can cover fuel, repairs and drivers.
- Manufacturing and distribution: Manufacturers and distributors use funding for materials, machinery and larger orders.
- Media, marketing and technology: Entertainment, marketing and technology businesses fund production costs, hiring and equipment between payments.
Not on the list? See all the industries we fund.
How Los Angeles businesses use working capital
- Covering payroll while customers pay on net terms
- Buying equipment or materials for a larger order
- Funding production and marketing costs
- Opening a new location in another part of the county
How a merchant cash advance works
A merchant cash advance gives your business a lump sum of working capital. It is not a loan, so the cost is set by a factor rate instead of an interest rate, and you know your total repayment before you accept. For example, $50,000 at a 1.35 factor rate over 10 months repays $67,500, with a fixed daily payment of $321.43. Our in-house Direct Fund program uses factor rates of 1.25 to 1.49 for prime files and 1.309 to 1.499 for higher-risk files, with fees of 5% to 10%. See the exact structure on our Transparent Terms page, learn the basics on our merchant cash advance page, or estimate your payment with our calculator. If you are weighing options, read merchant cash advance vs. line of credit.
Who can apply in Los Angeles
- At least 1 year in business
- At least $5,000 in monthly revenue
- Soft credit pull only, with a minimum credit score of 500
- Funding from $10,000 to $5,000,000
See what your Los Angeles business qualifies for
Offers in 1 to 5 hours on a complete file, funding in 24 to 48 hours, up to $5,000,000. No cost to apply, no obligation.
Los Angeles funding questions
Do you fund businesses in Los Angeles?
Yes. We fund Los Angeles businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and you work with us, not a broker or middleman. To qualify, you need at least 1 year in business and at least $5,000 in monthly revenue.
How much funding can a Los Angeles business get?
Smart Business Funding provides merchant cash advances from $10,000 to $5,000,000. The amount you qualify for depends on your revenue and time in business, and the total repayment is shown in your written offer.
How fast can a Los Angeles business get funded?
Offers usually arrive in 1 to 5 hours on a complete file, and funding is usually 24 to 48 hours for the whole process from application. As little as 24 hours is possible.
Do I need strong credit to qualify in Los Angeles?
We use a soft credit pull only, so applying does not affect your credit score. The minimum credit score for our Direct merchant cash advance is 500.
Will I receive a written cost disclosure before signing in California?
Yes. California's commercial financing disclosure law (Cal. Fin. Code 22800 et seq.) requires providers to give a written disclosure (total funds provided, total dollar cost, estimated term, payment details and an estimated annual percentage rate) for covered commercial financing of $500,000 or less. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
Which Los Angeles industries do you fund?
We fund restaurants and hospitality, healthcare practices, transportation and logistics, manufacturing and distribution, media, marketing and technology, and many other industries. See all of them on our industries page.
California funding and disclosures
California applicants: California's commercial financing disclosure law (Cal. Fin. Code 22800 et seq.) requires providers to give a written disclosure (total funds provided, total dollar cost, estimated term, payment details and an estimated annual percentage rate) for covered commercial financing of $500,000 or less. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
See our full California business funding page, or browse funding by state.
Also serving: MiamiNew York CityChicagoHoustonDallasAtlantaPhoenix
Sources
This page is general information, not legal, tax or financial advice. Funding is subject to underwriting and approval. Amounts, pricing, fees and timing vary by applicant.
