Every loan product, industry, and suburb we serve in San Jose.
A complete map of business lending in the San Jose metro, from SBA acquisition financing to same day working capital.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
One of the fastest growing small business economies in the West
San Jose is the capital of Silicon Valley and one of the most diverse small business economies in the country. From the SoFA district to Santana Row, operators here move at startup speed, and their capital partner has to match.
San Jose's lending market is unusually deep for the metro's size, with major California banks like Zions, Mountain America, and Cyprus Credit Union compete head to head with national SBA preferred lenders like Celtic Bank, Live Oak, and Newtek. Add fintech funders like Bluevine and OnDeck, equipment specialists like Crest Capital, and life insurance companies on the CRE side, and the result is a market where the right broker can move pricing 10-30% on the same file.
- Home to roughly 75,000 small businesses across Santa Clara County
- Major industries: tech, advanced manufacturing, healthcare, hospitality, logistics, professional services
- Largest city in Northern California by population (~1M residents)
- Mineta San José International Airport drives year round travel and business demand
- Anchor employers include Adobe, Cisco, eBay, PayPal, Western Digital, and Kaiser Permanente
All 18 financing products we offer in San Jose
SBA Loans
Government backed financing with the lowest long term cost of capital.
SBA 7(a)
The most flexible SBA program, for almost any legitimate business purpose.
Business Line of Credit
Draw what you need, when you need it, and pay interest only on the balance.
Working Capital
Lump sum capital to bridge gaps, fund growth, or stock up before the rush.
Small Business Loans
Every loan product for San Jose small businesses, in one place.
Short Term Loans
Lump sum capital, repaid in 3-18 months, funded fast.
Merchant Cash Advance
Capital today against tomorrow's credit card and bank deposits.
Unsecured Loans
Capital without a real estate or equipment lien against your business.
Startup Loans
Capital for businesses under two years, no revenue history required for some programs.
Acquisition Loans
Finance the purchase of an existing California business, often with 10% down.
AR Financing
Borrow against unpaid invoices, a revolving line tied to your AR.
Invoice Factoring
Sell unpaid invoices for immediate cash with no debt added to your balance sheet.
Revenue Based Financing
Capital today, repaid as a fixed percentage of revenue.
Same Day Loans
Apply in the morning, wire by close of business.
Business Lenders Near Me
Local San Jose lenders and brokers who know the California market.
Business Loan Broker
Honest commercial brokering, one application, dozens of lenders.
Commercial Loan Broker
Commercial real estate and large balance commercial financing.
Equipment Financing
Finance the truck, machine, or piece of gear that grows the business.
20 industries we specialize in
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.
Auto Repair
Lifts, equipment, working capital, and acquisition financing for San Jose auto repair shops.
Ecommerce
Inventory, ad spend, and growth capital for San Jose Shopify and Amazon sellers.
Food Truck
Truck purchase, equipment, and working capital for San Jose food trucks.
Gym
Equipment, build out, and growth capital for San Jose gyms and fitness studios.
Manufacturing
Equipment, working capital, AR financing, and SBA for San Jose manufacturers.
Agriculture
Equipment, working capital, and SBA/FSA financing for California agriculture operations.
Landscaping
Trucks, mowers, and seasonal working capital for San Jose landscapers.
Farm Credit
When Farm Credit isn't the right fit, SBA, equipment, and bank alternatives.
Daycare SBA
Acquisition, build out, and real estate financing for licensed San Jose childcare.
Franchise SBA
Initial fees, build out, and equipment for SBA approved franchise brands in San Jose.
Veteran SBA Express
SBA Express up to $500K with fee benefits for qualifying veterans.
Women Owned
SBA, working capital, and growth capital for women owned San Jose businesses.
