Working Capital
Unrestricted operating cash sized off your deposits, funded in days.
- Amount $10K – $2M
- Speed 1–3 days
Working capital, lines of credit, SBA, equipment, factoring and real estate capital for California businesses — $10,000 to $50,000,000. One application, lenders competing for it, offers side by side.
California has the deepest lender participation of any state, which means more competing offers — and more reason to compare them before signing the first one.
California has more small businesses than any other state, and more lenders competing to fund them. That sounds like good news, and it is — but it also means California owners see more offers, more fine print and more pressure to sign the first term sheet that lands in their inbox. The right move here is almost always to compare before you commit.
Operating costs set the tone. Rent in Los Angeles or San Francisco, payroll rules, and insurance all push the amount a California business needs higher than the same business would need elsewhere. Owners with healthy revenue still hit cash crunches when a big customer pays late or a seasonal slowdown lands on top of fixed costs.
The industries we see most reflect the state's economy: professional and creative service firms with high margins and no hard collateral, independent restaurants with heavy card volume, and port-adjacent trucking and logistics companies living on 30–60 day receivables. Each of those has a best-fit structure, and very few of them are the daily-debit advance a California owner is usually offered first.
Unrestricted operating cash sized off your deposits, funded in days.
Revolving access you draw, repay and draw again — you only pay for what you use.
The cheapest money in America, with the longest terms — if you can wait for it.
Fixed amount, fixed monthly payment, 12–60 months. No surprises.
The machine is the collateral, so approvals come easier and terms run longer.
80–93% advanced on open invoices. Not debt — you are selling a receivable.
Fastest capital we place, with remittance that flexes with daily sales.
Bridge, fix and flip, DSCR rental and construction, closed on the contract's clock.
Real options from three months in business — not a brush-off.
A 90-day build that moves you from personal-guarantee-only to real business credit.
These are illustrative scenarios showing how a structure fits a situation — not specific clients or quotes.
Situation. A drayage company moving containers out of the San Pedro Bay ports was growing faster than its cash could support, with customers paying on 45-day terms.
Structure. Invoice factoring with non-recourse options and advances on delivered moves, replacing a stacked revenue advance.
Situation. A profitable marketing agency with no real estate or equipment needed to hire ahead of two signed retainers. Its bank wanted collateral it didn't have.
Structure. Unsecured business line of credit sized on cash flow, drawn only when needed.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score