(661) 590-8797 Apply for Funding

Bakersfield, CA · All 38 Programs

Small Business Loans in Bakersfield, CA

One CA-licensed broker. 20+ vetted lenders. 38 funding programs built for Kern County businesses - from same-day working capital to multi-million SBA.

CA licensed broker

Same-day answer

$0 to start

Browse 38 programs

Bakersfield Overview

loan programs38

lenders in network20+

funding speed24 hr–10 wks

application fee$0

✓ CA Licensed·✓ 38 Loan Programs·✓ Same-Day Answer·✓ No Application Fee·✓ No Credit Pull

Bakersfield agriculture and skyline

Kern County, CA

CA Licensed

Local Bakersfield broker

About Bakersfield funding

Funding built around Kern County's economy

Bakersfield powers California's agriculture, energy, logistics and healthcare - industries with seasonal cash flow, equipment-heavy operations and fast-moving opportunity windows. Our 38 programs are matched to the way Kern County actually runs.

Agriculture & farm

Equipment, working capital, farm credit for Kern growers.

Trucking & logistics

Fleet financing for Highway 99 / I-5 operators.

Medical & dental

Practice loans for clinics across Bakersfield.

Retail & restaurants

Same-day capital for storefronts & food service.

Talk to a Bakersfield advisor

Loan programs

38 loan programs for Bakersfield, CA

SBA Loans

2+ yrs in business, good credit

View program →$50K–$5M

SBA 7(a) Loan

2+ yrs, 680+ credit score

View program →$50K–$5M

Business Line of Credit

$10K+/mo revenue, 6+ months

View program →$10K–$500K

Working Capital Loans

$10K+/mo revenue

View program →$25K–$2M

Small Business Loans

6+ months operating

View program →$10K–$500K

Short Term Business Loans

$8K+/mo revenue

View program →$10K–$500K

Merchant Cash Advance

$5K+/mo card sales

View program →$5K–$500K

Unsecured Business Loans

No collateral required

View program →$10K–$500K

Startup Business Loans

3+ months operating

View program →$5K–$250K

Business Acquisition Loans

Business financials required

View program →$50K–$5M

Accounts Receivable Financing

B2B invoices required

View program →$10K–$2M

Invoice Factoring

Outstanding B2B invoices

View program →$10K–$5M

Revenue Based Financing

$10K+/mo consistent revenue

View program →$10K–$1M

Same Day Business Loans

$5K+/mo revenue

View program →$5K–$250K

Business Lenders Near Me

6+ months operating

View program →$10K–$2M

Business Loan Broker

Any revenue stage

View program →$10K–$5M

Commercial Loan Broker

Commercial property or business

View program →$100K–$10M

Equipment Financing

Equipment quote required

View program →$10K–$2M

Dental Practice Loans

Active dental license, CA

View program →$50K–$5M

Medical Practice Loans

Active medical license, CA

View program →$50K–$5M

Restaurant Loans

$8K+/mo revenue

View program →$10K–$1M

Trucking Business Loans

Active MC/DOT number

View program →$10K–$500K

Commercial Construction Loan

Project plans required

View program →$100K–$10M

Hotel Loans

Hospitality financials required

View program →$500K–$10M

Salon Business Loans

$5K+/mo revenue

View program →$5K–$250K

Retail Business Loans

$8K+/mo revenue

View program →$10K–$500K

Auto Repair Shop Financing

$8K+/mo revenue

View program →$10K–$500K

Ecommerce Business Funding

$10K+/mo online revenue

View program →$10K–$500K

Food Truck Financing

$5K+/mo revenue

View program →$5K–$250K

Loan for Gym Business

$8K+/mo revenue

View program →$10K–$500K

Manufacturing Equipment Financing

Equipment quote required

View program →$25K–$2M

Agriculture Equipment Financing

Active farm operation, CA

View program →$10K–$1M

Landscaping Equipment Financing

Active landscaping business

View program →$5K–$250K

Farm Credit Financing

Active farming operation, CA

View program →$25K–$5M

SBA Loan for Daycare

Licensed daycare, CA

View program →$50K–$5M

SBA Loan for Franchise

SBA-approved franchise

View program →$50K–$5M

SBA Express Loan for Veterans

Veteran-owned business

View program →$50K–$500K

Women Owned Business Funding

51%+ women-owned business

View program →$5K–$500K

Talk to a Bakersfield advisor

Not sure which program fits Bakersfield?

A 5-minute call with a CA-licensed advisor matches your revenue, time-in-business and use of funds to the right of our 38 programs.

No credit pull

Same-day answer

CA licensed

Call direct

Mon–Sat · 8am–7pm PST

How it works

From first call
to funded

One 5-minute call. Same-day answer. No obligation, no application fee - ever.

No credit pull to start

CA-licensed advisor

20+ competing lenders

01

Call us - 5 minutes

~5 min call

No forms, no credit pull, no paperwork. Tell us your goal and we start matching immediately.

02

We match 20+ CA lenders

Same-day shortlist

Real competing offers - rates, terms, timeline - from CA-licensed lenders before any application.

03

You pick, we fund

Funds in 24 hrs

Compare offers side by side. Working capital funds in 24 hours. SBA in weeks. Zero pressure.

FAQ

Common questions about Bakersfield business loans

Fast-track programs (working capital, MCA, line of credit, same-day) typically fund in 24–72 hours after approval. SBA and commercial programs run 2–10 weeks depending on documentation.

Loan amounts range from $5K (same-day micro) to $10M (SBA, commercial construction). Most Kern County small businesses qualify between $25K and $500K based on monthly revenue.

Most fast programs need $8K–$10K/month in revenue and 3–6+ months in business. SBA programs require 2+ years operating history and a 680+ credit score.

Yes - Wellspring Funding Group is a California-licensed business loan broker headquartered in Bakersfield, working with 20+ vetted lenders across all 38 programs.

No. We never charge an application fee or pull credit to start. You only pay if a lender funds your business and you accept their offer.

$0

Next step

Ready to fund your Bakersfield business?

One conversation. Real lender offers. No application fee, no credit pull to start - and a straight answer before you commit.

Same-day answer

CA licensed

$0 to start

Call direct

Mon–Sat 8am–7pm PST

Call now Apply for funding