Cover wages, rent, and inventory while you wait on revenue. A 5-minute application, bank statements only, and funding in as little as 24 hours for qualified businesses.
Check EligibilityWorking Capital ยท San Diego
San Diego costs arrive on schedule even when sales do not. Working capital bridges the gap so you can keep staff paid and shelves stocked.
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.
A five-minute application and three months of statements. Funding in as little as 24 hours if qualified.
FICO 500+ is considered, and we begin with a soft credit pull.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front for easy planning.
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.
Running a business in San Diego is not cheap. Rent, wages, and supplies all carry a premium, and those costs arrive on a fixed schedule whether or not sales are strong that week. Working capital funding helps cover the space between when you spend and when you get paid.
We provide working capital from $25,000 to $5,000,000 to established businesses with steady deposits. The process starts with a 5-minute application and about three months of business bank statements.
A Pacific Beach restaurant hires and trains staff in spring so service is ready when the crowds arrive. Working capital covers those wages before peak revenue starts.
A general contractor buys materials and pays a crew on a commercial job in Mission Valley, then waits on the client's payment schedule. Funding keeps the job moving.
A shop orders holiday inventory months ahead. Working capital pays the supplier now so shelves are full when shoppers show up.
These are illustrations of common patterns, not specific clients.
We start with a soft credit pull, so exploring your options does not affect your score. FICO 500+ is considered, but we focus on your bank statements: how consistent deposits are, how balances hold up, and what existing obligations look like. No tax returns are required, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Working capital is a lump sum. If you expect repeated, smaller needs, a business line of credit in San Diego may fit better. If your revenue comes mostly through card sales, look at a merchant cash advance. For statewide information, see working capital in California, or read our general guide to working capital loans. Ready for a real number? Apply here.
The right amount covers the gap and no more. Add up the costs you need to carry, estimate when the related revenue comes back, and check that the repayment schedule in your offer fits inside your normal cash flow. Your offer shows the full repayment amount before you accept, so you can run that math with real numbers.
Money for daily operating costs such as payroll, rent, inventory, supplies, repairs, and marketing.
From $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. About three months of business bank statements is the main requirement.
Qualified businesses can receive funds in as little as 24 hours.
FICO 500+ is considered. Credit is one factor among several, including your deposit history.
Yes. Sole proprietors can apply. We look for an established business with steady deposits, and the review works the same way: about three months of statements and a soft credit pull to start.
Example uses for illustration only.
Small changes can make your application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding