Keep payroll and suppliers current while invoices and claims catch up. Five-minute application, soft pull to start, no tax returns.
Apply NowWorking Capital
Warehouses, manufacturers, clinics and hotels in Long Beach use working capital to stay current with crews and vendors while customers take their time paying.
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 5 minutes and three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and your deposit history carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Repayment is laid out in the offer up front, so you can budget around it.
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 lot of Long Beach commerce runs on net terms. Customs brokers, warehouse operators, machine shops and aerospace suppliers often pay for labor and materials weeks before customers pay them. Healthcare practices wait on reimbursements. Hotels and restaurants near the Convention Center plan around event calendars. Working capital loans keep payroll and suppliers current while receivables catch up.
We keep it practical. Apply in about five minutes; we start with a soft credit pull. Then we review about three months of business bank statements to understand your deposit rhythm and current obligations. No tax returns required. FICO scores from 500 are considered, and sole proprietors can apply. Amounts range from $25,000 to $5,000,000. Your offer lists the full repayment amount and schedule before you accept.
| Business | Use of funds (for illustration) |
|---|---|
| Warehouse operator | Payroll during a customer's slow-pay stretch |
| Aerospace parts shop | Materials for a large order |
| Dental group | Bridge while insurance claims process |
| Downtown hotel | Room refresh before convention season |
The amount we can offer depends mainly on your deposits and what you already owe. The amount you should take depends on your plan. Work out the gap: how much is going out, how much is coming in, and for how long. Request enough to cover it with a cushion, not so much that repayment strains your slow months. If your receivables are concentrated in a few large customers, mention that; it helps us understand why deposits arrive in waves.
Apply before the crunch, not during it. If you know a big order, a convention or a seasonal hiring push is coming, line up capital a few weeks ahead so you can review your offer without pressure. Owners who apply early tend to request a more accurate amount and make better use of the funds.
Needs that come and go may fit a Long Beach line of credit. Card-heavy businesses can compare a merchant cash advance. See also working capital in California, or apply now.
Payroll, inventory, materials, repairs, marketing, hiring and covering slow periods are all common uses.
Between $25,000 and $5,000,000, based mainly on deposits and existing obligations.
No tax returns are required. We review about three months of business bank statements.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Yes. Your offer lays out the repayment schedule and the full repayment amount before you accept.
Example uses for illustration only.
A few habits make working capital requests faster to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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