Keep payroll and suppliers paid while client invoices catch up. Light paperwork and a soft pull to start.
Apply NowWorking Capital | San Jose
Net-30 and net-60 clients, high rent and Bay Area wages strain cash. Working capital keeps your San Jose business on schedule.
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.
Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and we start with a soft pull.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer up front.
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 Jose means paying Bay Area prices for rent, labor and supplies. Many service companies here also bill larger clients, including tech firms, that pay on net terms. The work is there, but the cash shows up late. Working capital fills that gap so payroll and suppliers get paid on time.
| Business type | Typical use |
|---|---|
| IT and facilities services | Payroll while waiting on client invoices |
| Restaurants | Inventory and repairs |
| Contractors | Materials and labor before a job pays |
| Medical and dental offices | Staffing and equipment upkeep |
| Retail | Seasonal stock |
These are examples for illustration. The right use is whatever keeps your business running and earning.
Working capital from us ranges from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any obligations already coming out of your account. We start with a soft credit pull, consider FICO 500 and up, and ask for about three months of bank statements instead of tax returns. Sole proprietors can apply too.
Your offer shows the total repayment amount and the repayment schedule before you accept.
For illustration: a facilities maintenance company in North San Jose wins a contract with a large campus. The work starts right away, but the client pays on net terms. The owner needs to hire two technicians and buy supplies weeks before the first payment arrives. Working capital covers those costs so the contract does not strain everything else. When the client pays, the business is in a stronger position and has a track record with a bigger customer. The same logic applies to a restaurant facing a slow month or a retailer buying holiday stock early. The goal is to keep good work from turning into a cash problem.
When you look at an offer, compare the total repayment against what the work will earn. If the math works, the funding is doing its job.
If you want flexible access that you can use again, a San Jose business line of credit may fit better. Businesses with strong card sales sometimes prefer a merchant cash advance in San Jose. Need a piece of machinery? Review equipment financing in California.
Ready to see an offer? Apply in about 5 minutes.
Money for everyday operations: payroll, rent, inventory, supplies, repairs and covering gaps between paying expenses and getting paid.
Qualified businesses can be funded in as little as 24 hours.
A short application and about three months of business bank statements. Tax returns are not required.
We start with a soft credit pull, which does not impact your score.
Yes. Sole proprietors with steady business deposits can apply.
Example uses for illustration only.
These practical steps can strengthen how funders view your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding