Keep funds on standby for repairs, supplier bills, and slow-paying clients. Soft pull to start, bank statements only, and access in as little as 24 hours if qualified.
See My OptionsBusiness Line of Credit ยท San Diego
A line of credit gives San Diego businesses a reserve for the expenses that never seem to arrive on schedule.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in five minutes with three months of bank statements. Access in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Deposits and existing obligations factor in too.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer so each draw is easy to plan.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A business line of credit gives you access to a set amount of funding that you draw from as needed. Instead of applying each time a cost comes up, you have a reserve ready. For San Diego businesses dealing with seasonal visitors, clients who pay on long schedules, or equipment that always seems to break at the worst moment, that standby access is the main appeal.
For one large purchase, a lump sum such as working capital in San Diego is usually simpler.
The region's economy blends tourism, military and defense work, biotech and research, hospitality, and the trades. Many of those businesses get paid on someone else's schedule. A subcontractor working on a research campus build-out or a caterer serving corporate events may wait weeks for payment. A line lets them keep operating in the meantime without scrambling for new funding each cycle.
Complete a 5-minute application and share about three months of business bank statements. We start with a soft credit pull, and FICO 500+ is considered. No tax returns are required, and sole proprietors can apply. Funding across our products ranges from $25,000 to $5,000,000, and qualified businesses can have access in as little as 24 hours.
Every offer shows the full repayment details before you accept, so you know exactly what a draw will cost. Learn more on our business line of credit page or see California lines of credit.
Treat each draw as a short-term bridge with a clear source of repayment. Keep a running list of what you drew and why, and check it each month. If you find yourself drawing for the same gap repeatedly, that is a signal to look at pricing, collections, or timing with suppliers. Used this way, a line protects your cash flow instead of stretching it. When you are ready, apply online.
You get access to a set amount and draw from it as needed. Your agreement explains how repayment works and how availability is restored.
A 5-minute application and about three months of business bank statements. No tax returns.
We start with a soft credit pull, which does not affect your score.
FICO 500+ is considered, along with your deposits and existing obligations.
Qualified businesses can access funds in as little as 24 hours.
It depends on the need. A line suits recurring or unpredictable costs, while a lump sum fits one defined expense. If you are unsure, your application lets us look at both and show you what fits your deposits.
Example uses for illustration only.
These steps can help you qualify for a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding