Business Loans Inglewood, CA | SBA & Working Capital Loans

A commercial loan broker matches your business profile to the right capital source without tying you to a single bank's underwriting box. Cedargrove Lending serves Inglewood from our office at 5757 W Century Blvd, Los Angeles, CA 90045, Inglewood, CA; call (424) 203-6922 to start. We work with manufacturers near the old Northrop campus, hospitality operators around SoFi Stadium, logistics firms serving LAX cargo terminals, and retail tenants along Market Street. Because we broker rather than lend, we shop your file across SBA-preferred lenders, regional banks, and alternative capital providers to find terms that fit your revenue cycle and collateral position.

Inglewood's business landscape spans legacy aerospace suppliers, new entertainment-district hospitality ventures, and family-owned service companies that have anchored neighborhoods for decades. A broker understands which lender appetite aligns with your story, whether you're expanding a catering kitchen to handle SoFi event contracts or refinancing equipment debt at a body shop near Century Boulevard.

SBA loans

SBA 7(a) Loans for Inglewood Businesses

SBA loans Inglewood business owners choose when they need long repayment terms and lower down payments than conventional bank financing. The 7(a) program covers working capital, owner-occupied real estate purchases, franchise buy-ins, partner buyouts, and debt refinancing. Cedargrove Lending brokers your application to SBA-preferred lenders who underwrite to Small Business Administration guarantee standards, which accept lower equity injections and longer amortization schedules than portfolio loans.

Approval hinges on two years of tax returns, personal credit above 680, demonstrated industry experience, and a use of proceeds that strengthens cashflow or builds equity. We've brokered 7(a) loans for Inglewood machine shops acquiring CNC mills, medical offices buying their clinic buildings near Centinela Avenue, and restaurant groups opening second locations in the new Forum-adjacent mixed-use blocks. Timeline runs eight to twelve weeks from application to funding; expect to provide interim financial statements, a business plan narrative, and an equipment or real estate appraisal if applicable.

Learn how the program works on our SBA 7(a) Loans page.

Working capital

Working Capital Loans to Smooth Inglewood Cashflow Gaps

Working capital Inglewood businesses tap when receivables stretch sixty to ninety days but payroll, rent, and supplier invoices hit every two weeks. These are short-term, unsecured advances, typically six to eighteen months, that fund inventory purchases, marketing campaigns, seasonal hiring, or bridge gaps between contract milestones. Cedargrove Lending brokers working capital through revenue-based lenders and bank term-loan products that underwrite to monthly bank statements and accounts-receivable aging rather than fixed-asset collateral.

Approval speed is faster than SBA: often two to three weeks. Lenders want twelve months of operating history, consistent deposit activity, and gross revenue above twenty thousand per month. We work with Inglewood logistics coordinators who pre-pay freight before client reimbursement, event staffing agencies covering payroll ahead of venue payment, and wholesale distributors stocking inventory before trade-show season.

Working capital does not require a real estate lien, so it suits tenants in the Market Street commercial corridor or the new creative-office conversions near Prairie Avenue. Repayment is structured as fixed daily or weekly ACH debits, which means predictable outflow but requires steady receivable collection.

Explore options on our Working Capital Loans page.

Equipment financing

Equipment Financing for Machinery and Vehicles

Equipment financing lets Inglewood manufacturers, contractors, and transportation companies acquire machinery, trucks, or technology without depleting operating cash. The equipment itself serves as collateral, so lenders advance seventy to one hundred percent of the invoice price with repayment terms that match the asset's useful life, three years for computers, seven years for CNC lathes, five years for delivery vans.

Cedargrove Lending brokers equipment loans and leases through captive finance arms, independent lessors, and banks. Application requires a vendor quote, two years of business tax returns, and a personal-guarantee from owners holding twenty percent or more equity. We've financed packaging lines for Inglewood food co-packers near the old Northrop site, hydraulic lifts for auto-repair shops on La Brea Avenue, and refrigerated box trucks for catering companies serving SoFi Stadium and the Forum.

Approval typically closes in one to three weeks. Section 179 depreciation and potential sales-tax exemptions make equipment financing attractive for capital-intensive industries; your CPA should model the tax benefit before you choose loan versus lease structure.

Details and requirements live on our Equipment Financing page.

Real estate

Commercial Real Estate Loans for Property Purchase and Refinance

Commercial real estate loans finance the purchase or refinance of owner-occupied warehouses, retail storefronts, mixed-use buildings, and office condos across Inglewood and nearby El Segundo, Hawthorne, and Culver City. Lenders advance sixty-five to eighty percent loan-to-value with amortizations up to twenty-five years, and they underwrite to both property appraisal and business debt-service-coverage ratio.

SBA 504 loans pair a bank first mortgage with a CDC second lien to push total leverage to ninety percent, lowering the equity you bring to closing. Cedargrove Lending brokers both conventional commercial mortgages and SBA 504 transactions. We work with Inglewood logistics firms buying dock-door warehouses near Century Boulevard, medical groups purchasing professional condos along La Brea, and retail operators acquiring their storefronts in the downtown blocks between Market and Locust.

Expect appraisal, environmental Phase I, title, and legal costs; budget sixty to ninety days from application to closing. Property must be at least fifty-one percent owner-occupied to qualify for SBA programs.

Full program comparison on our Commercial Real Estate Loans page.

Business Lines of Credit for Flexible, Revolving Access

A business line of credit gives Inglewood companies a pre-approved borrowing limit they draw against as needed, pay down, and draw again, like a credit card but with lower cost and higher limits. Lines suit businesses with lumpy cashflow: contractors who buy materials before progress payments arrive, staffing agencies covering weekly payroll before client invoices clear, or retailers stocking seasonal inventory.

Cedargrove Lending brokers secured and unsecured lines from ten thousand to five hundred thousand dollars. Secured lines require accounts-receivable or inventory collateral and offer lower pricing; unsecured lines rely on revenue and credit score. Lenders want two years in business, consistent monthly deposits, and a debt-service-coverage ratio above 1.25.

We serve Inglewood wholesale distributors in the industrial pocket near Crenshaw Boulevard, event production companies managing multi-week setup cycles, and professional-services firms that bill monthly but pay overhead biweekly. Draw and repayment happen via online portal or ACH; interest accrues only on the outstanding balance.

See eligibility and structure on our Business Lines of Credit page.

Invoice factoring

Invoice Factoring to Accelerate Receivables

Invoice factoring converts outstanding B2B or B2G invoices into immediate cash by selling them at a discount to a factoring company. You receive seventy-five to ninety percent of the invoice face value within forty-eight hours; the factor collects payment directly from your customer and remits the reserve minus a fee when the invoice clears.

Factoring is not a loan, it's a sale of an asset, so approval focuses on your customers' creditworthiness rather than your balance sheet. Cedargrove Lending brokers factoring facilities for Inglewood staffing agencies placing workers at LAX cargo terminals, logistics coordinators invoicing freight forwarders, and manufacturers selling to aerospace primes with net-sixty payment terms.

Factoring works when you cannot wait thirty to ninety days for payment but need to cover payroll, fuel, or raw materials now. It suits startups and turnaround situations that lack the credit profile for traditional working capital. Fees typically range from one to five percent of invoice value, depending on invoice size, customer credit, and volume.

Learn mechanics and costs on our Invoice Factoring page.

Loan programs

Specialized and Alternative Financing Programs

Beyond the core programs above, Cedargrove Lending brokers merchant cash advances for Inglewood restaurants and retailers with daily card volume, franchise financing for multi-unit operators, and revenue-based loans for SaaS or subscription businesses. We also connect clients to grant-preparation consultants and CDFI microlenders when traditional underwriting does not fit.

Inglewood's proximity to LAX and the new entertainment district creates unique capital needs, hospitality ventures scaling for event traffic, logistics firms adding trucks and drivers, and legacy manufacturers retooling for new contracts. We tailor the capital stack to your growth stage, collateral base, and cashflow pattern.

If your financing question does not fit a standard box, call (424) 203-6922 and describe your situation. We will identify the right program and lender network.

How it works

Next Steps: Connect with Cedargrove Lending in Inglewood

Cedargrove Lending operates from 5757 W Century Blvd, Los Angeles, CA 90045, Inglewood, CA, minutes from LAX, SoFi Stadium, and the Century Boulevard commercial corridor. Call (424) 203-6922 to discuss your financing need, or visit our office to review your tax returns, financial statements, and growth plans in person.

We serve the full Inglewood market, Lennox, Ladera Heights, View Park-Windsor Hills, Del Aire, Hawthorne, Westmont, Culver City, Playa Vista, El Segundo, and Lawndale, and broker every major commercial loan program. Whether you need SBA 7(a) financing for a building purchase, working capital to bridge receivables, equipment loans for new machinery, or invoice factoring to accelerate cash, we will identify the lender and structure that fits.

Visit our Service Areas page to confirm coverage, read our

At a glance

Every program we broker in Inglewood

SBA 7(a) loansGovernment-backed, longer terms Working capitalBridge cash-flow gaps Equipment financingFund the machinery you run on

Commercial real estateBuy, build or refinance property Business line of creditDraw as you need it Invoice factoringTurn receivables into cash

Common questions

Common questions about business loans in Inglewood

What credit score do I need for business loans in Inglewood?+

Most conventional and SBA loans require a personal credit score of 680 or higher. Working capital and equipment lenders sometimes approve scores in the 600-680 range if revenue is strong and time in business exceeds two years. Invoice factoring does not require a minimum score because underwriting focuses on customer creditworthiness, not yours.

How long does it take to close a business loan in Inglewood?+

SBA 7(a) and commercial real estate loans take eight to twelve weeks due to appraisal, environmental review, and SBA processing. Equipment financing and working capital close in one to three weeks. Invoice factoring and merchant cash advances can fund within forty-eight to seventy-two hours once contracts are signed and invoices or processing statements are verified.

Do I need collateral for working capital in Inglewood?+

Unsecured working capital relies on revenue, credit score, and time in business but carries higher pricing. Secured working capital uses accounts receivable, inventory, or equipment as collateral and offers better terms. Cedargrove Lending brokers both structures; we recommend the secured route if you have qualifying assets and want to minimize cost.

Can a startup get a business loan in Inglewood?+

Traditional banks and SBA lenders require two years of tax returns and operating history. Startups with strong personal credit, industry experience, and equity to inject may qualify for SBA 7(a) loans or equipment financing if the use of proceeds is tied to revenue generation. Invoice factoring and revenue-based loans accept newer businesses if customer contracts or subscription revenue are in place.

What industries does Cedargrove Lending serve in Inglewood?+

We broker financing for manufacturing, logistics and warehousing, hospitality and food service, healthcare, professional services, retail, and construction. Inglewood's aerospace legacy and new entertainment-district economy mean we work frequently with machine shops, event caterers, staffing agencies, and transportation companies. Every industry has distinct cashflow and collateral patterns; we match you to lenders familiar with your sector.

How much can I borrow for commercial real estate in Inglewood?+

Loan amounts depend on property appraised value and your business debt-service-coverage ratio. Conventional loans advance sixty-five to seventy-five percent loan-to-value; SBA 504 loans push leverage to ninety percent by layering a CDC second lien. Maximum 7(a) loan is five million dollars; 504 loans cap at five million for standard projects, five and a half million for manufacturing or energy upgrades.

Does Cedargrove Lending charge upfront fees to apply?+

Cedargrove Lending does not charge application fees. We earn compensation from the lender at closing if your loan funds, so our incentive aligns with yours. You will pay third-party costs, appraisal, environmental reports, title, legal, directly to those vendors during underwriting. We disclose all expected costs in writing before you commit to a loan program.

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Small Business Loans in Inglewood, CA, All Programs

Loan programs for Inglewood businesses

SBA Loans

SBA 7(a) Loan

Business Line Of Credit

Working Capital Loans

Small Business Loans

Short Term Business Loans

Merchant Cash Advance

Unsecured Business Loans

Startup Business Loans

Business Acquisition Loans

Accounts Receivable Financing

Invoice Factoring

Revenue Based Financing

Same Day Business Loans

Business Lenders Near Me

Business Loan Broker

Commercial Loan Broker

Equipment Financing

Dental Practice Loans

Medical Practice Loans

Restaurant Loans

Trucking Business Loans

Commercial Construction Loan

Hotel Loans

Salon Business Loans

Retail Business Loans

Auto Repair Shop Financing

Ecommerce Business Funding

Food Truck Financing

Loan For Gym Business

Manufacturing Equipment Financing

Agriculture Equipment Financing

Landscaping Equipment Financing

Farm Credit Financing

SBA Loan For Daycare

SBA Loan For Franchise

SBA Express Loan For Veterans

Women Owned Business Funding

Why Inglewood Businesses Work with a Commercial Loan Broker