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Nightingale Lending
San Jose metro · Los Gatos, CA

Business loans in Los Gatos, California

Capital for Los Gatos operators, from working capital to SBA. A San Jose team that knows the Los Gatos business community.

Apply in 5 minutesor call (408) 214-2333
$520M+
Funded since 2014
4,200+
Bay Area businesses served
24 hrs
Average approval time
75+
Lender network
San Jose downtown skyline with the Santa Cruz mountains at golden hour
Trusted across the Silicon Valley
  • 24-hour funding on working capital files.
  • 75+ lenders — banks, SBA, fintech.
  • No upfront broker fees — paid by the lender at funding.
About Los Gatos

Financing a Los Gatos business

Los Gatos is one of the most affluent towns in Silicon Valley and home to Netflix's headquarters. Santa Cruz Avenue downtown supports a tight cluster of boutiques, restaurants, and wellness businesses that serve a high-income local base.

Nightingale Lending has placed capital with Los Gatos operators across every major industry the city supports. Whether you're a santa cruz avenue boutique, a downtown los gatos restaurant, or a netflix-adjacent professional services firm, we have a lender that already understands your file profile and can move quickly.

Los Gatos at a glance
  • Population ~33,000
  • ZIPs: 95030, 95032, 95033
  • Top industriesTech and entertainment · Boutique retail · Restaurants · Wealth management · Healthcare
  • LandmarksSanta Cruz Avenue · Netflix HQ · Vasona Lake Park · Los Gatos Creek Trail
Loan products in Los Gatos

Capital products available to Los Gatos businesses

Tap a product for a detailed Los Gatos page with qualifying criteria, typical terms, and local use cases.

Business Line of Credit
Draw what you need, when you need it, and pay interest only on the balance.
$25,000 – $750,000 · 1 – 5 business days
Working Capital
Lump sum capital to bridge gaps, fund growth, or stock up before the rush.
$10,000 – $500,000 · 24 – 72 hours
Invoice Factoring
Sell unpaid invoices for immediate cash with no debt added to your balance sheet.
$10,000 – $10,000,000 · Initial setup 3-7 days; advances within 24 hours
AR Financing
Borrow against unpaid invoices, a revolving line tied to your AR.
$50,000 – $5,000,000 · 1 – 2 weeks to set up
Unsecured Loans
Capital without a real estate or equipment lien against your business.
$10,000 – $500,000 · 24 – 72 hours
Short Term Loans
Lump sum capital, repaid in 3-18 months, funded fast.
$10,000 – $500,000 · 24 – 72 hours
Same Day Loans
Apply in the morning, wire by close of business.
$5,000 – $250,000 · Same day
SBA Loans
Government backed financing with the lowest long term cost of capital.
$50,000 – $5,000,000 · 30 – 75 days to close
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FAQ

Los Gatos business loan questions

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