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Small Business Loans

Ready to Move Your Business Forward?



Complete our online form or speak with a business consultant at (949)356-9860


We assess your business health and reach out to you with the best funding


Receive funding as soon as 12 - 24 hours from your approval

Business Loan Options of All Shapes and Sizes

Find the financing solution that actually fits your business – and your wallet.


Business Term Loan

Business term loans are set up to meet pretty much any business need, no matter how unique. You can leverage your loan for everything from capital improvements to financing new equipement or hiring more staff.


Business Line of Credit

A business line of credit is a financial safety net for your business. You can use it for buying equipment, hiring staff, increasing inventory, adding a second location, paying invoices, installing a cappuccino machine, and more.

And because a line of credit is revolving, you can use it as many times as you want. As soon as you repay what you’ve used, those funds become available to you again.


Equipment Finance

Many small business owners hear about equipment financing and think of tractors and backhoes. Yes, construction equipment is totally financeable – but so is a bunch of other stuff. In fact, there’s an equipment financing option to cover tools and resources for just about every small business industry. Big or small, basic or complicated, doohickey or doodad – whatever you need, we’ll help you cover the costs.


Business Credit Card

Business credit cards offer a sweet spot between personal credit cards and corporate credit cards. Specifically designed for small businesses, business credit cards provide a flexible, convenient way for your small business to make purchases.

Often, you’ll benefit from a 0% introductory rate and a rewards program while providing your small business with a financial safety net.


SBA Loan

Seriously, You can find an SBA loan option to cover just about every nook and cranny of your small business. Some of the most common SBA loans are the 7(a), 504, and SBA Express.

Please contact our specialists for more info in regards to our SBA programs.


Startup Loan

Be your own startup accelerator with a startup business loan. A financial cushion can take some of the unnecessary stress and backbreaking work out of building a business. A startup business loan can enable you to hire staff, lease office space, increase inventory, buy equipment, or simple cover monthly expenses while you’re growing.

What You Need to Know Now

Bank Loans
Central Capital
Credit Cards
SBA Loans
Funding Range
$5,000 - $2,000,000
Credit Dependent
Credit Dependent
Long application, Credit inspection, business plan & industry risk
Prequalify online
Prequalify online
Long application, Credit inspection, business plan & industry risk
Approval time
Weeks - Months
As soon as same day
Less than 2 weeks
Months +2
Time To Funding
∼ 2 - 3 Months
As soon as same day from approval
7-10 Business Days
60 - 90 Days+
Approval Criteria
Credit Score & Collateral
Overall Business Health
Credit Score
Credit Score & Collateral
Bank Loans
Funding Range – $100,000
Process – Long application, Credit inspection, business plan & industry risk
Approval time – Weeks – Months
Time To Funding – ∼ 2 – 3 Months
Approval Criteria – Credit Score & Collateral
Central Capital
Funding Range$5,000 – $2,000,000
ProcessPrequalify online
Approval timeAs soon as same day
Time To FundingAs soon as same day from approval
Approval CriteriaOverall Business Health
Credit Cards
Funding RangeCredit Dependent
ProcessPrequalify online
Approval timeLess than 2 weeks
Time To Funding7-10 Business Days
Approval CriteriaCredit Score
SBA Loans
Funding RangeCredit Dependent
Process – Long application, Credit inspection, business plan & industry risk
Approval timeMonths +2
Time To Funding60 – 90 Days+
Approval CriteriaCredit Score & Collateral

Frequently Asked Questions?

How do Central Capital business loans work?
Central Capital is an alternative lender, which means we work with you, the small business owner. Our process works to help reduce the amount of time it takes to review your small business loan application.

When you apply for a loan, we’ll help you find the right financing for your business. If approved, we’ll get your funds to you fast.

What are the eligibility requirements for Central Capitals' business loans?
The eligibility requirements for Central Capital’s business loans and financing are loan-specific and based on a business owner’s specific credit history and creditworthiness. Generally, you need to have six months or more in business and a credit score of over 500, as well as an average monthly income of $15,000 ($180,000+ in annual revenue). Specifc requirements will vary.
How can I apply for a business loan with Central Capital?
You can apply online with just a few simple steps. We wont make you fill out books of paperwork or mail in your application. You can even complete our online application right from your mobile phone.
How quickly can I receive funds after applying for a business loan?
With a traditional lender, you usually have to wait weeks for your application to process. If you are approved, you’ll probably wait another several weeks for your loan funds to come through.

On the other hand, alternative lenders like Central Capital make it easy to apply and get your loan decision fast. We pride ourselves on giving you a quick decision on your application. If approved, you could have your loan funds in as few as 24 – 48 hours.

Do I need collateral for a small business loan?
Business loans from Central Capital don’t require collateral to get the funds your business needs. Apply today and we’ll help you find a customized financing solution that’s tailored to your business.

Find out how much you qualify for

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    Our central focus is to help businesses around the U.S. grow and thrive


    Call (800) 513-8665

    2400 Barranca Parkway,
    Irvine, California
    United States


    Central Capital was established in Orange County, CA. The passion for assisting business owners to acquire the essentials needed to grow started in 2012.