Business loans for San Jose built around your cash flow.
A local commercial loan brokerage with a 75+ lender network SBA, working capital, equipment, real estate, and acquisition financing for California operators.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
One application. The right product.
Every loan type has a place, and every loan type has a wrong fit. We compare across our lender network and show you side by side what each option actually costs.
Government backed financing with the lowest long term cost of capital.
Draw what you need, when you need it, and pay interest only on the balance.
Lump sum capital to bridge gaps, fund growth, or stock up before the rush.
Finance the truck, machine, or piece of gear that grows the business.
Finance the purchase of an existing California business, often with 10% down.
Capital today against tomorrow's credit card and bank deposits.
Three steps to capital.
Apply in Minutes
Complete our 1-page online form. No credit pull required.
Get Approved Fast
Our San Jose lending team reviews and responds same day.
Funds Deposited
Capital in your account in as little as 24 hours.
Capital sized to your industry
Each industry has its own cash flow rhythm. We match the right product and the right lender to how your business actually operates.
Dental
Acquisition, equipment, build out, and working capital for San Jose dental practices.
Medical
SBA, equipment, and acquisition capital for San Jose physicians and medical groups.
Restaurant
Equipment, build out, working capital, and SBA loans for San Jose restaurants.
Trucking
Truck financing, factoring, and working capital for San Jose owner operators and fleets.
Construction
Equipment, working capital, AR financing, and SBA for San Jose contractors.
Hotel
SBA, PIP, acquisition, and refinance for San Jose independent and franchise hotels.
Salon
Build out, equipment, and working capital for San Jose salons, spas, and medspas.
Retail
Inventory, build out, POS, and working capital for San Jose brick and mortar retailers.
Built for San Jose operators.
Local Silicon Valley Experts
South Bay lenders, South Bay underwriting know how.
$10K–$5M Flexible
Right sized capital for any stage of growth.
24hr Decisions
Same day reviews. Funding in as little as one business day.
75+ Lender Network
We shop your file across SBA, banks, and fintech funders.
No Hidden Fees
Paid by the lender at close. No upfront cost to you.
All Credit Welcome
Programs starting at 550 FICO. Startups and rebuilds included.
Do you qualify?
- In business 6+ months
- $10K+ monthly revenue
- US based business
- Valid EIN
- Active business checking account
Local brokers. National lender network. No upfront fees.
Nightingale Lending was founded in San Jose in 2014 to give California operators a single source for honest commercial financing advice. We don't sell one product, we shop dozens, explain trade offs in plain English, and only get paid when you fund.
- Real California team, not a national call center
- SBA preferred packagers with deep Silicon Valley lender relationships
- Transparent APR equivalent comparisons on every offer
- Long term advisor, we re-approach your file as cheaper capital opens up
- Member: San Jose Chamber, Women's Business Center of California
"We were stuck in two merchant cash advances bleeding our restaurant dry. Nightingale packaged an SBA refinance that dropped our monthly debt service by 64%. Best decision we've made in five years."
"I'd been a Zions Bank customer for twelve years and they couldn't get my acquisition loan done in time. Nightingale closed a $1.2M SBA 7(a) in 38 days. Saved the deal."
"Our walk in cooler died on a Thursday during summer service. Nightingale wired us $35K Friday morning before our weekend rush. That's the kind of speed that matters."
"As a women owned consulting firm, I wasn't sure what would fit. They walked me through three options and we settled on an unsecured line that scales as we scale. No fluff, just clear advice."
From the Granary District to Silicon Slopes, capital that moves at California speed.
Start your applicationFunding Silicon Valley from San Jose to Gilroy
A San Jose based lending team serving Santa Clara County and the broader Silicon Valley. Tap a suburb to see locally tailored loan options.
