A San Jose brokerage built for California owners.
Founded in 2014 to give Silicon Valley businesses honest commercial financing advice and the deepest lender network in the state, with no upfront fees.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
We started Nightingale because California owners deserved better.
In 2014, our founder watched a 22-year-old San Jose restaurant get talked into a merchant cash advance by an out of state broker who never explained what a factor rate was. The restaurant didn't survive the next twelve months.
The problem wasn't the product, MCAs have their place. The problem was the conversation. Nobody had laid out the alternatives in plain English. Nobody had run an APR equivalent comparison. Nobody had asked the harder question: what's the right capital for what you're actually trying to do?
Nightingale Lending exists to be that conversation. We're an independent California commercial loan brokerage. We work with 75+ lenders, from Mountain America Credit Union to Celtic Bank to Bluevine, and we get paid by the lender at funding. Our incentives line up with yours: place capital that actually fits, so you come back and refer your network.
In the decade since, we've funded over $420M in capital for nearly 4,000 California businesses, from a single-truck owner operator in West Valley to a 22-unit franchise roll up that spans three states. Same playbook, same standards, every time.
The four principles we run on
We're paid by the lender at funding, never by you. That keeps our advice clean.
Every offer broken down to APR equivalent, total cost, and prepayment fine print.
We re-approach your file as cheaper capital opens up. You keep us; we keep saving you money.
San Jose based team. California lenders. California accountants. California attorneys.
The people who'll answer your call
20 years in California SBA lending. Former senior credit officer at a Silicon Valley community bank.
Fintech veteran. Closed over $80M in working capital and line of credit placements.
Specializes in SBA 7(a) acquisitions and partner buyouts across the Mountain West.
Owner occupied and investor CRE placement, from $1M owner user to $25M institutional bridge.
Honest disclosures, plainly stated
Nightingale Lending is an independent commercial loan brokerage. We are not a lender or bank. All loan offers are issued by third party lenders subject to their underwriting, terms, and conditions.
We are compensated by lenders at funding. We charge no application or upfront fees to prospective borrowers. Lender paid origination fees are disclosed in every term sheet.
We comply with the California Commercial Financing Disclosure Law, the California Commercial Financing Registration Act, and applicable federal regulations including the Equal Credit Opportunity Act and the Fair Credit Reporting Act.
