Working Capital Loans in San Jose
$10,000 – $500,000 deposited in your account within 24-72 hours.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
What it is and how it works in San Jose
Working capital loans give San Jose operators a lump sum to cover the gap between when costs are due and when revenue arrives. Unlike a traditional bank loan, working capital is underwritten primarily on your bank deposits and trailing revenue, meaning real cash flow, not just credit and collateral. For California owners who need fast capital and have steady revenue, it's frequently the right tool.
A short to medium term business loan funded by non bank lenders that specialize in cash flow underwriting. Loans typically amortize daily or weekly via ACH from your business operating account.
How Working Capital works
- 1
Submit a one page application with three months of bank statements.
- 2
Soft credit pull, decision in hours.
- 3
Choose your term (6-24 months) and repayment frequency.
- 4
Funds wire to your account, often the same day.
- 5
Daily or weekly ACH repayments begin the following week.
Benefits
Same day to 72-hour funding for most files.
Underwritten on cash flow, not real estate or equipment liens.
Bank statements and a one page app, no tax returns required under $250K.
Payroll, inventory, marketing, equipment, emergency repairs, all qualify.
Most lenders will re up your capital once you've repaid half the original balance.
Qualification requirements
- 6+ months in business
- $10,000+ in monthly bank deposits
- Owner FICO of 550+
- Active business checking account
- Under three returned items per month
Documents typically required
- 3-6 months of business bank statements
- Driver's license
- Voided check
How San Jose businesses use Working Capital
A West Jordan restaurant funds $35K in 24 hours to replace a failed walk in cooler during peak summer service.
A Sugar House boutique pulls $80K ahead of holiday season, repays over 9 months from increased sales.
A Provo dental group invests $50K in a six month patient acquisition campaign that pays back 5x in chair revenue.
With California's economy expanding faster than most states, working capital is often the financing that lets an San Jose operator say 'yes' to a contract, a season, or an opportunity before the moment passes.
