Operating cash for established San Francisco businesses with steady deposits. A 5-minute application and about three months of statements.
Get StartedWorking Capital ยท San Francisco
San Francisco costs do not pause for slow-paying clients. Working capital keeps your operations funded, with the full repayment amount shown before you accept.
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. As little as 24 hours for qualified businesses.
FICO 500+ considered, weighed alongside how steady your deposits are.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front so you can budget for 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.
Running a business in San Francisco means carrying real fixed costs: commercial rent, wages, insurance, and suppliers who expect to be paid on time. Revenue does not always arrive on the same clock. A design studio waits on a client invoice. A caterer gets paid after the event. A boutique buys spring stock while winter sales are still coming in.
Working capital funding covers that gap. You get a lump sum for day-to-day operations and repay it on the schedule shown in your offer, so the business keeps moving while receivables catch up.
If your revenue is mostly card sales, a merchant cash advance in San Francisco is worth comparing. For a broader view, see working capital across California.
Bank statements tell us most of what we need. We usually ask for about three months. We look at average deposits, how steady they are from week to week, and what existing payments already come out. The amount we can offer depends mainly on those deposits and obligations.
FICO scores from 500 are considered. The first look uses a soft pull, so your score is not affected while you compare options. No tax returns are required, and sole proprietors can apply.
For illustration only: picture a San Francisco catering company that books a run of corporate holiday events. The clients pay after each event, but the company has to buy food, rent equipment and staff up weeks before. Its deposits are steady through the year, and it already carries a small equipment payment.
In a case like that, a funder would look at the average monthly deposits, subtract what already goes out for the equipment payment, and size an offer that the business can carry without straining cash flow. The real amount would come from the real statements. The point is that the amount follows the deposits and obligations, not a wish list.
Funding ranges from $25,000 to $5,000,000.
Most day-to-day needs: payroll, inventory, rent, materials, and hiring. It is meant for operating costs while revenue catches up.
Decisions move quickly after we receive your statements. Qualified businesses can be funded in as little as 24 hours.
No. We work from about three months of business bank statements.
FICO scores from 500 are considered. Credit is weighed alongside your deposit history, not on its own.
Mainly by your deposits and the obligations already on your account. Our range is $25,000 to $5,000,000.
Yes, opening costs like a lease deposit, fixtures or new hires are common uses. The amount still depends mainly on the deposits of your existing business.
Example uses for illustration only.
Before you apply, a few habits can make your file easier to approve.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding