CFACommercial Funding Advisory

Local Funding

Business Funding in San Diego, CA

San Diego's economy runs on defense, biotech, and tourism. The U.S. Navy's Pacific Fleet is headquartered here, and military spending accounts for roughly $27 billion annually in the metro. The Torrey Pines corridor is home to more than 1,200 biotech and life sciences companies. The city has about 90,000 small businesses. Cross-border commerce with Tijuana adds another dimension, with thousands of businesses operating in both cities. Real estate costs are among the highest in the country, which pressures small business margins and drives demand for working capital.

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90,000+

Small Businesses

$280 Billion

Metro GDP

1,200+

Biotech Companies

Top Industries

Key Industries Seeking Funding in San Diego

  • Medical Practices
  • Restaurants
  • Construction Companies
  • IT Service Providers
  • Short-Term Rental Operators

Local Insights

Funding Landscape in San Diego

The San Diego SBA District Office serves all of San Diego and Imperial counties, with strong deal flow in biotech and defense-related small businesses
San Diego's high commercial rents, particularly in coastal areas, push many businesses toward revenue-based financing and larger credit lines
CDC Small Business Finance, one of the top SBA 504 lenders in the nation, is headquartered in San Diego and focuses on real estate and equipment loans
The city's short-term rental market has faced increasing regulation, changing the financing profile for operators in beach communities

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