- No credit check hereWe don't ask for Social Security numbers or run a credit check through our form.
- Invoice factoringStart the application online
- Lender decidesFinancing is subject to each lender's review and approval.
- Talk to a licensed agent(619) 382-3810
Financing solutions
Each option has its own page with how it works and a plain-language guide.
- Working capitalFunding for day-to-day operations.Learn more
- Business loansFunding for a specific business need.Learn more
- Lines of creditDraw funds when you need them, up to a set limit.Learn more
- Equipment financingFinance the equipment your business runs on.Learn more
- Invoice factoring and receivables financingTurn unpaid invoices into working capital.See how it works
Not sure which option fits?
Working capital, equipment, expansion. Tell us what you are planning and we will talk through options that may fit.
Talk it through with usInvoice factoring
Looking for invoice factoring?
Start the factoring application online. A few details about your business and who will sign.
How it works
- 1
Tell us what you need
A few quick questions. It takes about two minutes.
- 2
We review it
Someone licensed reads every request.
- 3
We reach out
We talk it through with you. There is no obligation.
Tell us what your business needs.
A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.
Thank you, we have your request.
Someone from our team will get back to you. If it is urgent, call (619) 382-3810.
FAQ
Business financing, explained plainly
What can an SBA 7(a) loan be used for?
Working capital, buying or improving real estate, refinancing business debt, machinery and equipment, furniture and supplies, and changes of ownership. The maximum 7(a) loan amount is $5 million.
What is an SBA 504 loan?
Long-term, fixed-rate financing of up to $5 million for major fixed assets, arranged through Certified Development Companies. It cannot be used for working capital or inventory.
What is an SBA microloan?
A loan of up to $50,000 made through nonprofit intermediary lenders, for working capital, inventory, supplies, furniture, fixtures, machinery or equipment. It cannot pay existing debts or buy real estate.
What is a business line of credit?
The lender sets a limit and you draw funds as you need them, instead of receiving one lump sum.
What is invoice factoring?
A business sells its unpaid invoices to a third party at a discount and uses the cash as working capital.
Sources: U.S. Small Business Administration, 7(a) loans · U.S. Small Business Administration, 504 loans · U.S. Small Business Administration, microloans · OCC, Small Business Road Map to Financial Resources.
Important information
- Financing is subject to each lender's review and approval.
- If you request a quote, a licensed insurance agent may contact you.