SERVING LOS ANGELES BUSINESSES SINCE 2018
From food trucks in East LA to construction companies in the Valley, Los Angeles businesses need capital that moves as fast as the city. MFE delivers $5,000 to $500,000 in 24-48 hours — no bank appointments, no weeks of waiting.
Reviewed by MFE Funding Team | Updated March 2026
Funding Available Up To
$500,000
For LA Businesses
Decisions in as little as 4 hours
Los Angeles businesses can access $5,000 to $500,000 in working capital, equipment financing, merchant cash advances, or invoice factoring through MFE — often funded within 24-48 hours. Requirements: 3+ months in business, $8,000+/month revenue, 500+ credit score. ITIN accepted. Serving all of LA County and Southern California.
The nation's second-largest economy — and one of the most capital-hungry business environments in America.
Los Angeles is unlike any other city in America. It's simultaneously the entertainment capital of the world, the nation's largest manufacturing hub (by employment), a global gateway for trade through the Port of LA, and home to one of the most vibrant immigrant entrepreneurship ecosystems anywhere.
Yet despite this economic scale, LA small business owners face some of the toughest financing conditions in the country. California's high operating costs, complex regulatory environment, and the gap between entertainment industry invoice cycles and day-to-day cash needs create constant capital pressure. Traditional banks in LA remain slow, selective, and ill-suited for the reality of how most LA businesses actually operate.
MFE serves the full spectrum of Los Angeles business — from a Korean-owned restaurant in Koreatown to a film production support vendor in Burbank to a construction contractor in Compton.
LA's economy spans entertainment, construction, food, healthcare, retail, and international trade.
Equipment rental companies, catering vendors, set construction contractors, and production support businesses serving LA's film and TV industry use invoice factoring and working capital to bridge net-30/60 payment terms.
LA's world-famous food scene — from Michelin-starred restaurants in Beverly Hills to beloved food trucks in East LA — relies on working capital and equipment financing to operate and expand in one of America's most competitive dining markets.
LA's fashion and retail sector — from the Fashion District wholesalers to Melrose boutiques — needs inventory financing, seasonal capital, and working capital to compete in a high-velocity retail environment.
LA's ongoing construction boom — residential, commercial, and infrastructure — creates consistent capital needs for contractors, subcontractors, HVAC companies, electricians, and plumbers throughout the region.
Medical practices, dental clinics, chiropractic offices, physical therapy studios, and wellness centers throughout LA County use equipment financing and working capital to manage insurance billing delays and fund expansions.
The Port of Los Angeles is the busiest in North America. Freight brokers, trucking companies, drayage operators, and last-mile delivery businesses use equipment financing and working capital to fund operations and fleet growth.
Six flexible financing options for the full spectrum of LA business needs.
$10,000 to $500,000 for any operational need. No collateral required. Fixed payments aligned with your LA business's cash flow. Learn more
Apply NowRevolving access to capital up to your approved limit. Ideal for LA businesses with variable revenue — draw when needed, repay as revenue comes in. Learn more
Apply NowAdvance against future revenue. Repay through fixed daily ACH payments. Fast approval — ideal for LA restaurants, retail shops, and high-volume service businesses. Learn more
Apply NowFinance commercial equipment up to $500,000 with terms up to 60 months. Trucks, kitchen equipment, production gear, construction machinery — equipment as collateral. Learn more
Apply NowConvert outstanding invoices into immediate cash. Advance up to 90% of invoice value. Critical for LA entertainment vendors and B2B businesses with slow-paying clients. Learn more
Apply NowPredictable fixed daily or weekly ACH repayments tied to your revenue. Not a credit card split — a straightforward, transparent financing structure. Learn more
Apply Now| Criteria | MFE | Big Banks (Wells Fargo, BofA) | Other Online Lenders |
|---|---|---|---|
| Approval Time | 4-24 hours | 2-8 weeks | 1-5 business days |
| Funding Speed | 24-48 hours | 2-4 weeks after approval | 2-7 days |
| Min. Credit Score | 500 | 680+ | 550-600 |
| ITIN Accepted | Yes | No | Rarely |
| Min. Time in Business | 3 months | 2+ years | 6-12 months |
| Collateral Required | Not typically | Yes | Sometimes |
| Application Time | 5 minutes | Hours of paperwork | 20-45 minutes |
LA Success Story
A Mexican-American family operating two popular taco trucks in East Los Angeles had been building their brand for three years. When a commercial commissary kitchen became available for lease, the owner saw an opportunity to expand to five trucks and launch catering. His credit score of 555 ruled out traditional lending.
MFE approved $110,000 in equipment financing for three additional trucks in 22 hours. The commissary kitchen came online within 60 days. By month four, the expanded fleet was generating $85,000 per month — up from $31,000.
"The bank wouldn't look at me. MFE looked at my revenue and said yes. Now I have 5 trucks and 14 employees." — East LA Business Owner
Three steps. No branch visits. No weeks of waiting.
Secure online application, 3 months of bank statements, and a government-issued ID. Takes about 5 minutes from anywhere in LA.
Our team reviews your application within 4-24 hours and presents clear funding options. No surprises, no hidden costs.
Accept your offer, sign electronically, and funds are deposited directly to your LA business bank account — typically within one business day.
Yes. MFE funds Los Angeles businesses with credit scores as low as 500. We evaluate business revenue and cash flow, not just your credit score. Many LA entrepreneurs — including those in the gig economy and creative industries — qualify for our products.
Yes. We fund businesses throughout LA County including Hollywood, Downtown LA, Compton, East LA, Koreatown, the San Fernando Valley, Long Beach, Pasadena, Santa Monica, and the South Bay. We also serve the broader Southern California market.
Yes. MFE accepts ITIN in place of an SSN. LA has one of the largest immigrant business communities in the country — particularly in restaurants, construction, retail, and trucking — and we've designed our process to serve these entrepreneurs.
Most LA businesses receive a decision within 4-24 hours. Funds are deposited within 24-48 hours of approval. For urgent needs, same-day MCA funding may be available.
Yes. Los Angeles is the birthplace of the gourmet food truck movement, and we regularly fund food truck operators, commissary kitchen businesses, and mobile food vendors. Equipment financing, working capital, and MCA all apply.
Yes. We fund production support businesses, equipment rental companies, catering companies, costume and prop vendors, and other businesses supporting LA's film and TV ecosystem. Invoice factoring is especially useful for net-30/60 entertainment payment terms.
You should have a registered business entity in California — a CA LLC, corporation, or DBA registered with the Los Angeles County Clerk or the California Secretary of State. A business bank account is also required.
We require $8,000 or more in average monthly gross revenue over the past 3 months. Given LA's higher cost of business, most applicants we approve have significantly higher monthly revenue.
Get funded in as little as 24 hours. No commitment required.
Apply in 5 MinutesOr call: (305) 384-8391
Explore related pages:
Working Capital Loans
Equipment Financing
Invoice Factoring
Merchant Cash Advance
ITIN Business Funding
Industries We Fund
Get Funded Fast — LA Businesses
Apply NowExpertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.