Cover payroll, fuel, parts and the wait on payment. Soft pull to start, about three months of statements, no tax returns required.
Check My OptionsWorking Capital
Bakersfield contractors, ag service companies and energy suppliers use working capital to take on busy seasons without draining the operating account.
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.
About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Steady deposits carry real weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is in the offer from the start, so you can plan around harvest and slow months.
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.
Plenty of Bakersfield businesses earn on a cycle and spend every week. Ag service companies, packing and cold storage suppliers, trucking support shops on the Highway 99 corridor and energy-sector contractors often front labor, fuel and parts long before they get paid. Working capital covers those operating costs so a good season doesn't strain the business.
We keep the review focused. A 5-minute application, a soft credit pull to start, and about three months of business bank statements. No tax returns. FICO 500+ is considered, and sole proprietors can apply. The amount, anywhere from $25,000 to $5,000,000, is driven mainly by your deposits and what you already owe.
For illustration: an irrigation installer lands three orchard jobs at once in spring. Pipe, pumps and crew hours add up quickly, and the growers pay at completion. A working capital offer covers the materials and payroll in between. The owner sees the full repayment amount and the schedule before accepting.
If the need is a specific machine, equipment financing in California may fit better.
Kern County businesses rarely have flat months. Ag-related work follows planting and harvest, energy contracts come and go, and summer heat changes how people spend. When we review your statements, we look for steady deposits across the cycle, positive balances and a clear sense of what you already owe. A slow stretch doesn't end the conversation, and a strong month doesn't decide it either. The offer reflects the full pattern you show. If you know a big payment is coming, mention it; context helps us understand what the statements are telling us.
Need funds on standby? Compare a Bakersfield business line of credit. Running mostly on card sales? See our Bakersfield merchant cash advance. Or apply now and we will show you what fits.
Yes. Established businesses with steady deposits can apply, including farm service, supply and support companies.
That is common in Kern County. We look at about three months of statements and the overall pattern, and the offer reflects what we see.
Mainly by your deposits and existing obligations. Amounts range from $25,000 to $5,000,000.
Your repayment schedule and full repayment amount are laid out in your offer before you accept.
Yes. Sole proprietors can apply.
Yes. Hiring ahead of a busy season is a common use, especially for ag service and contracting businesses. Seasonal hiring is normal across Kern County, and the offer is sized to the deposits your statements show over the cycle.
Example uses for illustration only.
Bakersfield owners who do these things tend to get clearer offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding