Do you work with San Diego biotech and life sciences companies?

Yes. San Diego is one of the top biotech clusters in the world. We offer equity financing, SBA loans, and equipment financing for biotech startups, research labs, and life sciences companies throughout the Torrey Pines and Sorrento Valley corridors.

Can San Diego defense contractors get equipment financing?

Absolutely. We finance manufacturing equipment, testing systems, and facility upgrades for defense contractors serving Naval Base San Diego, Camp Pendleton, and the broader defense ecosystem.

Is commercial real estate financing available for San Diego biotech properties?

Yes. We offer CRE loans, SBA 504 loans, and construction financing for lab spaces, research facilities, and mixed-use developments in Sorrento Valley, Torrey Pines, and throughout San Diego County.

Do you provide working capital for San Diego's seasonal tourism businesses?

Yes. San Diego's tourism season creates unique cash flow patterns. We offer seasonal working capital lines, bridge financing, and short-term loans for hospitality, retail, and service businesses managing seasonal fluctuations.

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Business Financing for America's Finest City

Business Loans
in San Diego

San Diego is a powerhouse of biotechnology, defense, tourism, and international trade. With the largest naval fleet in the world, a thriving biotech corridor, and strong ties to Mexico, San Diego businesses need capital that matches their global reach. Equity Ridge connects San Diego entrepreneurs with 100+ lenders for SBA loans, commercial real estate, equipment financing, and working capital.

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85,000+

Businesses in San Diego County

1,200+

Biotech Companies

35,000+

Naval Base Employment

Local Expertise

Industries We Serve in San Diego

We understand the unique financing needs of San Diego's key industries.

Biotechnology & Life Sciences

Defense & Military

Tourism & Hospitality

International Trade & Logistics

Technology & Software

Real Estate & Development

Craft Brewing & Food

Financing Solutions

Loan Options for San Diego Businesses

From SBA loans to private lending, we match you with the right financing for your business goals.

SBA Loans

Government-backed financing with low rates and long terms.

CRE Loans

Commercial real estate financing for acquisition and refinance.

Equipment Loans

Finance machinery, vehicles, and technology.

Working Capital

Flexible cash flow financing for daily operations.

Lines of Credit

Revolving access to funds. Pay only for what you use.

Construction Loans

Milestone-based funding for building projects.

Factoring

Convert invoices into immediate cash.

Private Loans

Fast asset-based financing for unique situations.

Client Success

San Diego Business Owners Trust Equity Ridge

“Equity Ridge helped our biotech startup secure $2.8M in equity financing through their San Diego investor network. The match was perfect.”

Local Healthcare Provider

Local Business Owner

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“We used an SBA 504 loan to purchase our commercial lab space in Sorrento Valley. The terms were excellent and the process was efficient.”

Local Business Owner

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Service Area

Serving San Diego & Surrounding Areas

While our headquarters is in Cut Bank, Montana, we serve businesses throughout California and across the United States. Our digital-first approach means you can apply, get matched, and close your loan — all from San Diego.

Nearby cities we also serve:

Chula Vista, CAOceanside, CAEscondido, CACarlsbad, CA

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FAQ

Common Questions About San Diego Business Loans

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San Diego Business?

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