California · Small business funding
Merchant cash advances in California
Advances from $10,000 to $500,000 for California businesses, underwritten on deposit history rather than credit score.
GLD Factoring LLC DBA GLD Funding provides merchant cash advances to California businesses from $10,000 to $500,000. California applicants submit 4 months of business bank statements. Approval is based primarily on business performance and cash flow, and same-day funding is available on signed contracts.
Disclosure law in force
SB 1235 requires commercial financing disclosures including an annualized rate, administered by the Department of Financial Protection and Innovation.
Your right to a written disclosure in California
California requires commercial financing providers to give you a written disclosure of cost and terms before you sign. That means you are entitled to see the total dollar cost and repayment terms in writing - from any funder, not just this one.
Use it. Reduce every offer you receive to the same figure: what leaves your account in total, and what gets debited how often.
What California businesses use funding for
Across trades, the pattern is consistent: capital that has to arrive before the revenue it unlocks. Inventory ahead of a season, equipment that failed without warning, payroll between progress payments, a second location while the first is still paying for itself.
Applying from California
The application is entirely online. You will need 4 months of business bank statements - or you can connect your bank read-only and skip the upload.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Questions
Funding in California.
Are merchant cash advances legal in California?
Yes. Merchant cash advances are legal in California, and the state regulates how they must be disclosed. SB 1235 requires commercial financing disclosures including an annualized rate, administered by the Department of Financial Protection and Innovation.
How many bank statements do California businesses need?
California businesses provide four months of business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
How much can a California business get?
Advances range from $10,000 to $500,000. The amount is driven by average monthly deposits rather than credit score, and is determined by underwriting your business performance and cash flow.
How fast can a California business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
Regulatory information on this page is provided for general guidance and is not legal advice. Commercial financing requirements change; confirm current obligations with qualified counsel. GLD Factoring LLC DBA GLD Funding is not a bank and does not offer loans - a merchant cash advance is the purchase of future receivables.
See what your California business may qualify for.
Answer a few simple questions to get started. No credit inquiry during the eligibility check.