Best Consumer and SME Loans Companies in California, United States
The 252 best Consumer and SME Loans companies in California, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: CoreVest American Finance Lender.
Ranked: Best Consumer and SME Loans companies in California
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | CoreVest American Finance Lender Provider of finance for residential real estate investors | $1.2B | 95 mo ago | — | Beth OBrien Founder & CEO | WordPressMySQLPHP+29 | Top 5M | 4 job openings |
| 2 | Balboa Capital Provider of loan financing to Small Businesses | $660M | 60 mo ago | 210 210 → 198 (-6%) · sector median +0% | Patrick Byrne CEO | WordPress Block EditorWordPressMySQL+19 | Top 5M | — |
| 3 | Tala Provider of a platform offering credit and digital financial services | $350M | 14 mo ago | 738 | Shivani Siroya Founder & CEO | WordPressApple iCloud MailGoogle Workspace+26 | Top 1M | 2 partnerships · 1 award |
| 4 | Change Home Mortgage Provider of home loan services | $211M | 50 mo ago | 551 | — | WebflowSalesforcecore-js+17 | Top 5M | — |
| 5 | Veros Credit Auto loans provider | $205M | 124 mo ago | 217 217 → 231 (+6%) · sector median +0% | Cyrus Bozorgi Founder & CEO | WordPressMySQLPHP+15 | Top 5M | 2 job openings |
| 6 | High Rise Financial Provides lawsuit, personal injury, and other loan services | $150M | 17 mo ago | 34 | — | WordPressMySQLPHP+17 | Top 5M | — |
| 7 | Dakota Financial Provider of funding solutions for businesses with challenged credit profiles 45Growth top 28%Funding top 33%Tech bottom 49%Market bottom 33% All 5 signals ▾Growthtop 28% Fundingtop 33% Techbottom 49% Marketbottom 33% Globalbottom 29% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $77.0M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $77M | 1 mo ago | 40 | — | WordPressMySQLPHP+22 | Top 5M | — |
| 8 | loanDepot Mortgage lender providing home loans, refinancing, and home equity solutions | $72M | 118 mo ago | 11,177 11,177 → 5,731 (-49%) · sector median +0% | — | Kontent.aiScullyApple iCloud Mail+26 | Top 500k | 1 job opening · 1 expansion · 1 award |
| 9 | SG Credit Partners Provider of credit solutions for software, technology, consumer products, and commercial businesses | $50M | 59 mo ago | — | Irena Snider Chief Financial Officer | — | — | — |
| 10 | BluePath Finance Owner and operator of sustainable infrastructure funding distributed energy projects | $47M | 3 mo ago | 22 | Warren Jones CEO | — | — | — |
| 11 | zebit Zebit provides a max of $1,500 of credit to pay over time on thousands of products. | $47M | 92 mo ago | 55 | — | ShopifyYouTubeNew Relic+20 | Top 5M | — |
| 12 | The Change Company Provider of diversified SME loans | $40M | 23 mo ago | 54 | — | WebflowMatomo AnalyticsLinkedin Insight Tag+14 | Top 50M | — |
| 13 | Uncaged Capital Provider of commercial real estate financing solutions | $40M | 27 mo ago | — | James McDonoug Managing Director | — | — | — |
| 14 | Lendistry Small business loans provider | $21M | 6 mo ago | — | Everett Sands CEO | WordPressSentryApple iCloud Mail+30 | Top 5M | 1 internship |
| 15 | Strike Acceptance Provider of consumer auto loans | $21M | 14 mo ago | 21 | Steve Singh Founder & President | SentryApple iCloud MailMicrosoft 365+17 | Top 5M | 1 job opening · 1 internship |
| 16 | Clearinghouse CDFI Diversified lending NBFI | $21M | 10 mo ago | 43 43 → 72 (+67%) · sector median +0% | — | WordPressMySQLPHP+13 | Top 5M | 1 internship · 1 award |
| 17 | Good Funding Provider of working capital loans for business needs | $20M | 61 mo ago | 26 26 → 34 (+31%) · sector median +0% | Ben Gold Co-Founder & CEO | WebflowSalesforceBootstrap+20 | Top 10M | — |
| 18 | Mulligan Funding Provider of SME loans | $15M | 37 mo ago | 197 | — | — | — | 2 partnerships |
| 19 | Western Highland Mortgage Business loans provider | $10M | 180 mo ago | — | Bob Novasel Co-Founder & Co-President | — | — | — |
| 20 | Listo Unlimited Consumer loans provider | $8M | 96 mo ago | 14 | Samuel Ulloa CEO & Co-Founder | SentryTypeScriptZone.js+10 | Top 50M | — |
| 21 | Bay Equity Home Loans Home loan provider prioritizing personal relationships and customer journey | $7M | 81 mo ago | 1,158 | — | ApexCharts.jsVue.jsReact+10 | Top 5M | — |
| 22 | EquiFi Home loans provider | $7M | 57 mo ago | 12 | David Shapiro Founder & CEO | WordPressMySQLPHP+12 | Top 10M | — |
| 23 | Highway Benefits Provider of cooperative education loan | $6M | 14 mo ago | 8 | Michael MacLaverty Co-Founder | — | — | — |
| 24 | OptionWide Provider of mortgage loans | $5M | 76 mo ago | 31 | John Trinh Co-Founder & CEO | — | — | — |
| 25 | AFG Provider of equipment leasing and financing solutions | $5M | 62 mo ago | 110 110 → 192 (+75%) · sector median +0% | John Zoppi Owner | WordPressMySQLPHP+34 | Top 10M | — |
| 26 | American Advisors Group Reverse mortgage loans provider | $5M | 157 mo ago | 1,447 | — | — | — | — |
| 27 | Accion Opportunity Fund Provider of business loans, advising, resources, and learning programs | $4M | 152 mo ago | 171 | — | WordPress Site EditorWordPressApple iCloud Mail+32 | Top 5M | 3 partnerships |
| 28 | Mortgage Capital Partners Provider of consumer home loans | $2M | 99 mo ago | 109 | Sue Silverman CEO | — | — | — |
| 29 | Frontera Investment Provider of payday loans | $2M | 204 mo ago | 13 | — | — | — | — |
| 30 | Secured Income Group Provider of term loans | $2M | 101 mo ago | — | Max McDermott Founder | — | — | — |
| 31 | District Capital Mortgage loans provider | $2M | 75 mo ago | 2 | — | PHPZURB FoundationApache HTTP Server+13 | Top 50M | — |
| 32 | First Cal Provider of payday loans | $1M | 193 mo ago | 191 | Chris Hart CEO | — | — | — |
| 33 | Medallion Mortgage Provider of home loans | $1M | 175 mo ago | — | Don Earnhart CEO | — | — | — |
| 34 | Bayside Credit Provider of auto loans | $489K | 69 mo ago | 40 | Guy Schwartz CEO | MUIReactEmotion+9 | Top 50M | — |
| 35 | Cashie Commerce E-commerce storefront providing marketing and sales tools | $325K | 150 mo ago | 10 | Justin Nemeth Co-Founder & CTO | — | — | — |
| 36 | Sun West Mortgage Provider of reverse mortgage loans | $226K | 179 mo ago | 1,170 | Pavan Agarwal CEO | BootstrapReact RouterReact+11 | Top 1M | — |
| 37 | Blair Provider of education loans | $150K | 82 mo ago | 3 | Mike Mahlkow Co-Founder | — | — | — |
| 38 | Arcus Lending Home loans provider | $133K | 73 mo ago | 74 | — | — | — | — |
Top 12 Consumer and SME Loans companies in California
#1
Funding Raised · Los Angeles, California · founded 2002 · 40 employees$77Mraised▾
Provider of funding solutions for businesses with challenged credit profiles. It delivers funding programs designed for customers with prior bankruptcies, tax liens, judgments, repossessions, or slow payments. Financing is based on collateral, and it offers approvals, leases, and equipment financing agreements. The company provides documentation and aims to work through business challenges.
- Apr 2026Conventional Debt$20M
- May 2024Conventional Debt$27M
- Sep 2021Conventional Debt$30M
- May 2021PE—
#2
Series D · San Francisco, California · founded 2012 · 22 employees$47.3Mraised▾
Owner and operator of sustainable infrastructure funding distributed energy projects. This includes distributed and community solar, behind-the-meter batteries, microgrids, and EV infrastructure. The company partners with engineering groups to source, construct, and maintain projects, while it funds, owns, and operates them. Funding is provided through various financial structures, including power purchase agreements and energy-as-a-service models. The company also provides debt financing for energy transition projects.
- Mar 2026Series D—
- Dec 2025Series D$75M
- Aug 2022Series C$10M
- Apr 2021Series C$25M
#3
Series E · Santa Monica, California · founded 2011 · 738 employees$350Mraised▾
Provider of a platform offering credit and digital financial services. Its personalized credit platform harnesses machine learning models trained on billions of proprietary data points from over a decade of customer relationships to underwrite millions of customers who have never interacted with the formal banking system. It is the first and only platform to combine the intelligence of a credit bureau, the payments execution of a fintech and the relationship expertise of a bank into one integrated solution. It has built a plug-and-play banking solution that has the potential to serve any person in any country.
- Mar 2025Conventional Debt$150M
- Oct 2021Conventional Debt$40M
- Oct 2021Series E$145M
- Aug 2019Series D$110M
#4
Series B · Orange, California · founded 2014$21.5Mraised▾
Small business loans provider
- Dec 2025Conventional Debt$100M
- Oct 2025Conventional Debt$75M
- Sep 2025Series B$5M
- May 2025Conventional Debt—
#5
Funding Raised · Los Angeles, California · founded 2016 · 34 employees$150Mraised▾
Provides lawsuit, personal injury, and other loan services
- Dec 2024Conventional Debt$100M
- Sep 2021Conventional Debt$50M
#6
Series G · Lake Forest, California · founded 1996 · 43 employees$20.6Mraised▾
Diversified lending NBFI
#7
Series B · Laguna Hills, California · founded 2016 · 21 employees$20.7Mraised▾
Provider of consumer auto loans
- Mar 2025Series B$13.3M
- Feb 2024Series B$20.7M
#8
Seed · Anaheim, California · founded 2017 · 54 employees$40Mraised▾
Provider of diversified SME loans
- Jun 2024Conventional Debt$1.7M
- Mar 2022Seed$40M
- Sep 2021Conventional Debt$75M
- Mar 2021Conventional Debt$150M
#9
Seed · Manhattan Beach, California · founded 2021 · 8 employees$5.7Mraised▾
Developer of an employee benefits platform designed to increase retention and attraction of top talent through modernized benefits. The company's platform allows employers to design a custom plan which gives them the ability to contribute to their employees' student loans, enabling companies to increase employee happiness, and productivity, improve employee retention, and reduce turnover costs
- Apr 2025Seed$350K
- Mar 2023Seed$3.1M
- Jul 2022Seed$2.6M
- Jan 2022Seed$100K
#10
Acquired · Costa Mesa, California · founded 1988 · 210 employees$660Mraised▾
Provider of loan financing to Small Businesses
- May 2021Conventional Debt$50M
- Nov 2020Conventional Debt$201M
- Oct 2019Conventional Debt$409M
#11
Series A · San Francisco, California · founded 2019$39.5Mraised▾
Provider of commercial real estate financing solutions. It provides direct access to hard money funds for real estate investment goals, offering various services including hospitality, warehouse loans, commercial real estate financing, and more.
- Mar 2024Series A$39.5M
#12
Acquired · Irvine, California · founded 2014$1.2Braised▾
CoreVest American Finance Lender is a specialty finance company which provides loans to residential real estate investors. Offers portfolio and single-asset term loans up to $100M for up to 75% of value for a maximum term of 30 years for stabilized rental properties. Provides short-term credit lines for fix & flip, rental aggregation & build to rent situations and single project bridge loans for construction financing. Bridge loans are available up to 90% of the value up to $50M for a maximum term of 24 months.
- Jul 2018Conventional Debt$1.2B
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Consumer and SME Loans coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.