Cover payroll, inventory and slow-paying customers. Apply in about 5 minutes with a soft credit pull and roughly three months of bank statements.
Apply in MinutesWorking Capital
Oakland contractors, food businesses and care providers use working capital to pay today's bills while waiting on tomorrow's revenue.
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.
5-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours if qualified.
Credit matters, but steady deposits matter a lot when we size your offer.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you can plan 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.
Rent, payroll, inventory, insurance, fuel. These bills arrive on their own schedule, and your customers pay on theirs. A working capital loan in Oakland fills the space between the two, so you are not choosing which vendor waits this month.
A general contractor in East Oakland finishes a job but waits on the final draw while the next crew needs paying. A brewery near Jack London Square buys ingredients ahead of a busy event season. A home health agency adds staff before new referrals start paying. A produce wholesaler near the port takes a larger order than usual. Each one has a clear, near-term use for funds and steady deposits to show for it.
Our process starts with a 5-minute application and a soft credit pull. We then look at about three months of business bank statements, focusing on how consistent your deposits are and what you already pay to other creditors. No tax returns are required. FICO scores from 500 are considered, and sole proprietors can apply. Amounts run from $25,000 to $5,000,000, and the figure we offer depends mainly on your deposits and existing obligations.
Borrow for the gap you can name. If payroll for two cycles is the issue, size the request to that, not to the largest number you could qualify for. Your offer will show the full repayment amount and schedule before you accept, which makes it easy to check whether the payment fits your weekly cash flow.
The cleanest working capital files share a few traits. Sales land in one business account. The owner can say what the money is for and when it pays back. Existing payments are listed openly instead of discovered in the statements. None of this requires a perfect year, just a clear picture of how the business runs today.
Need funds you can reuse? Look at a line of credit in Oakland. Want repayment tied to card sales? See the Oakland merchant cash advance page. You can also read our general guide to working capital loans, or go straight to the application.
Common uses include payroll, inventory, rent, repairs and covering slow receivables. It is meant for day-to-day operating needs.
We focus on your business bank deposits and existing obligations. Your offer explains the terms before you accept.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours after accepting.
We work with established businesses that show steady deposits. About three months of business bank statements are reviewed.
Yes. Your offer lists the full repayment amount and schedule up front, with no surprise costs after you sign.
Example uses for illustration only.
Small changes can lead to a better working capital offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding