01
Local, not a call center
Based in Oakland. We know Bay Area businesses, lenders, and how capital actually moves here.
Fueling the growth of Bay Area businesses.
From SBA 7(a) loans to flexible lines of credit and same-week working capital, Fairmont Commercial Capital provides the strategic funding Oakland entrepreneurs need to scale with confidence.
$0 to apply · No obligation · Soft credit check
SBAPreferred lender network
50+ lenders · $5K-$5M
Funded in 24-72 hours
Local Oakland advisors
No upfront fees
No obligation to proceed
One dedicated advisor
Decisions in 24-72 hours
Our Approach
A local advisor with the reach of a national lender network.
Fairmont Commercial Capital sits between you and a curated network of banks, SBA lenders, and non-bank funders. One conversation, one application, one advisor, and offers built around how your business actually operates in Oakland and the Bay Area.
01
Oakland-based advisors
Real people in the Bay Area, never an out-of-state call center.
02
50+ lender network
Banks, SBA lenders, and vetted non-bank funders under one application.
03
Funding in 24-72 hours
Working capital and short-term programs move when you need them.
04
No upfront fees
We are paid only when your loan closes. No application or packaging fees.
Why Fairmont
A real local partner, not a faceless bank or a lead-gen site.
Most owners we work with have been frustrated by either a slow bank or a noisy online portal. We sit between the two, knowledgeable, fast, accountable to you.
02
Advisor model, not a portal
One person from your first call to funding. No spam, no being sold to ten lenders at once.
03
Transparent terms
Rate, fees, total cost of capital, and payback structure, in writing, before you sign.
04
Built for growth
We structure capital so payments fit today's cash flow and leave room for tomorrow's move.
Loan Programs
The right program for the right moment.
Explore typical amounts, terms, and speed across our most-requested programs.
SBA Loans
Government-backed loans with long terms and low rates for established Oakland businesses.
- Amount
- $50,000-$5,000,000
- Speed
- 30-60 days
SBA 7(a) Loan
The SBA's flagship general-purpose loan, working capital, real estate, acquisitions, and refinance.
- Amount
- $50,000-$5,000,000
- Speed
- 30-60 days
SBA Loan for Daycare
SBA financing tuned for licensed Oakland daycares, buildout, equipment, and acquisition.
- Amount
- $50,000-$5,000,000
- Speed
- 30-60 days
SBA Loan for Franchise
SBA-approved financing for franchise units on the SBA Franchise Directory.
- Amount
- $50,000-$5,000,000
- Speed
- 30-60 days
SBA Express Loan for Veterans
Faster-track SBA Express loans with reduced fees for veteran-owned Oakland businesses.
- Amount
- Up to $500,000
- Speed
- 10-30 days
Business Line of Credit
Revolving capital you draw against as needs come up, pay interest only on what you use.
- Amount
- $10,000-$500,000
- Speed
- 24-72 hours
Working Capital Loans
Lump-sum funding for payroll, inventory, and day-to-day operations across Alameda County.
- Amount
- $5,000-$500,000
- Speed
- 24-72 hours
Short-Term Business Loans
Quick lump-sum funding repaid over a few months, for urgent or short-cycle needs.
- Amount
- $5,000-$250,000
- Speed
- 24-48 hours
Merchant Cash Advance
Advance against future card sales, repaid as a small slice of each day's batch.
- Amount
- $5,000-$500,000
- Speed
- 24-48 hours
By the Numbers
Numbers that move Oakland businesses forward.
$5K-$5M
Funding range
From a quick line of credit to SBA real-estate acquisition, sized to your business.
24-72h
Decision window
Most working-capital programs are reviewed, priced, and approved inside three business days.
Multiple
Lenders on call
Banks, SBA partners, and vetted non-bank funders, one application reaches them all.
0%
Upfront fees
No application, packaging, or advisory fees. We are paid only when your loan funds.
The Process
From first call to funded, in days, not months.
- 01
Call or apply online
Quick conversation or 5-minute form, no full application, no hard credit pull.
- 02
We review your file
We look at revenue, time in business, and goals to shortlist the right programs.
- 03
Compare real offers
See terms, total cost, and payment structure side by side, in plain English.
- 04
Get funded
Sign electronically and receive funds, often within the same week.
Industries We Fund
Capital for the businesses that keep Oakland running.
Restaurants & Hospitality
Independents, franchises, cafes, catering
Medical & Dental
Practices, clinics, specialty groups
Construction & Trades
GCs, subs, HVAC, plumbing, electrical
Trucking & Logistics
Owner-operators, fleets, port drayage
Retail & E-commerce
Boutiques, specialty retail, DTC brands
Agriculture & Ag Services
Growers, packing, ag-tech, equipment
Who Qualifies
Most healthy businesses qualify for something.
These are general guidelines, actual requirements vary by program and lender. A 10-minute conversation is the fastest way to know what you qualify for.
3+months
Time in business
Younger businesses may still qualify for select programs, ask us.
$8K+monthly
Revenue
Consistent deposits matter more than perfect credit.
500+FICO
Owner credit (most programs)
Higher credit unlocks better rates and longer terms.
U.S.account
Active business bank account
We'll review the last 3 months of bank statements.
Soft pull only. Checking eligibility never impacts your credit.
Frequently Asked
Questions, answered straight.
Still wondering about something? Call (510) 210-5662 and a real advisor will pick up.
Nothing. There are no upfront fees and no obligation to accept any offer. You only pay anything if you decide to move forward with a funded loan, and any costs are disclosed in writing before you sign.
Ready When You Are
Let's get your business funded.
One call, a few questions, real answers. If we can help, we'll tell you how. If we can't, we'll tell you that too, and point you in the right direction.