Every loan program an Oakland business needs.
SBA, working capital, factoring, lines of credit, and startup financing, from one local team that knows Northern California lenders inside and out.
SBA Loans
Government-backed loans with long terms and low rates for established Oakland businesses.
- Rates among the lowest available
- Terms up to 25 years
- Real estate, acquisitions, refi
- Low monthly payment burden
SBA 7(a) Loan
The SBA's flagship general-purpose loan, working capital, real estate, acquisitions, and refinance.
- Up to $5M
- Flexible use of proceeds
- Long amortization
- Competitive rates
SBA Loan for Daycare
SBA financing tuned for licensed Oakland daycares, buildout, equipment, and acquisition.
- Buildout + equipment in one loan
- Real estate up to 25 years
- Acquisitions of existing centers
- Working capital included
SBA Loan for Franchise
SBA-approved financing for franchise units on the SBA Franchise Directory.
- Directory-listed brands
- New unit + multi-unit
- Equipment + buildout
- Working capital included
SBA Express Loan for Veterans
Faster-track SBA Express loans with reduced fees for veteran-owned Oakland businesses.
- Faster SBA decision
- Reduced veteran fees
- Lines of credit available
- Working capital + equipment
Business Line of Credit
Revolving capital you draw against as needs come up, pay interest only on what you use.
- Draw anytime
- Interest only on what you use
- Revolving structure
- Fast initial approval
Working Capital Loans
Lump-sum funding for payroll, inventory, and day-to-day operations across Alameda County.
- Fast funding
- Fixed payments
- Minimal paperwork
- Use funds for any purpose
Short-Term Business Loans
Quick lump-sum funding repaid over a few months, for urgent or short-cycle needs.
- Funded in days
- Light documentation
- Daily/weekly payments
- Revenue-based approval
Merchant Cash Advance
Advance against future card sales, repaid as a small slice of each day's batch.
- Approval based on card volume
- Payments flex with sales
- Funded fast
- Bad-credit friendly
Unsecured Business Loans
Term loans backed by your business performance, no collateral required.
- No collateral required
- Personal guarantee only
- Fixed monthly payments
- Use however you want
Accounts Receivable Financing
Borrow against your AR ledger without selling the invoices outright.
- Keep customer relationships
- Grows as AR grows
- Often cheaper than factoring
- Confidential to customers
Invoice Factoring
Turn unpaid invoices into same-week cash, built for Oakland trucking, logistics, and staffing firms.
- 80-90% advance rate
- Approval based on customer credit
- Scales with sales
- No fixed monthly payment
Revenue-Based Financing
Capital repaid as a fixed percentage of monthly revenue, no rigid payment.
- Repayment scales with sales
- No fixed monthly payment
- Non-dilutive
- Fast diligence
Same-Day Business Loans
Decisions and wire-out the same business day, for true emergencies.
- Same-day funding window
- Minimal documentation
- Decision in hours
- Any business purpose
Small Business Loans
General-purpose financing matched to your revenue, credit, and goals, Oakland's most-requested program.
- One application, multiple offers
- Soft credit pull to start
- No upfront fees
- One dedicated advisor
Startup Business Loans
Capital for newer Oakland businesses with limited operating history, credit-led, projection-supported.
- Limited history OK
- Credit-led underwriting
- SBA microloan options
- Bundled with equipment
Business Acquisition Loans
Buy an existing Oakland business, SBA, conventional, or seller-financed structures.
- SBA + conventional options
- Partner buyouts
- Seller note blending
- Working capital included
Business Lenders Near Me
Find Oakland-friendly lenders matched to your industry, time in business, and credit profile.
- Oakland-friendly lender pool
- Soft pull to shop
- One application
- Side-by-side offers
Business Loan Broker
An Oakland loan advisor who shops your file across multiple lenders.
- No upfront fees
- Lender-paid structure
- Single point of contact
- Oakland-based
Commercial Loan Broker
Brokerage for larger commercial deals, real estate, acquisitions, and complex working capital.
- Owner-occupied CRE
- Bridge + SBA combos
- Portfolio refinancing
- Complex capital stacks
Women-Owned Business Funding
Loans, grants, and certified-lender programs for women-owned Oakland businesses.
- Women-prioritized lenders
- CDFI and SBA options
- Certification guidance
- Mentorship referrals
Equipment Financing
Loans and leases for vehicles, machinery, and equipment, secured by the asset itself.
- Asset is collateral
- Up to 100% financing
- Section 179 eligible
- Preserves working capital
Manufacturing Equipment Financing
CNC, packaging lines, presses, and production equipment for Bay Area manufacturers.
- New + used equipment
- Soft-cost coverage
- Section 179 eligible
- Step-up payments available
Agriculture Equipment Financing
Tractors, harvesters, irrigation, and implements for Northern California growers and ag-service vendors.
- Seasonal payment options
- New & used coverage
- Brand-friendly lenders
- Bundled implements
Landscaping Equipment Financing
Mowers, trailers, skid steers, and irrigation equipment for Oakland landscape contractors.
- Seasonal payment plans
- Trucks + trailers + attachments
- New & used
- Section 179 eligible
Farm Credit Financing
Farm-focused capital, land, equipment, livestock, operating lines, for Northern California producers.
- Operating lines + term debt
- Farmland and improvements
- Livestock and equipment
- Patronage dividends
Dental Practice Loans
Acquisition, buildout, and equipment financing for Oakland dental practices.
- 100% acquisition financing
- Equipment + buildout
- Partner buy-ins
- Working capital included
Medical Practice Loans
Loans for Oakland medical practices, acquisitions, equipment, and expansion.
- Practice acquisitions
- Equipment + buildout
- Working capital included
- AR-aware underwriting
Restaurant Loans
Working capital, equipment, and expansion loans for Oakland restaurants and bars.
- Card-sales underwriting
- Buildout + equipment
- Second-location capital
- Working capital for slow seasons
Trucking Business Loans
Loans, factoring, and equipment financing for Oakland owner-operators and fleets.
- Tractor + trailer financing
- Freight factoring
- Fleet working capital
- Owner-operator friendly
Commercial Construction Loan
Ground-up and major-renovation financing for Oakland commercial projects.
- Interest-only during build
- Convert to perm or SBA 504
- Owner + investor projects
- Draw schedules
Hotel Loans
Acquisition, PIP, and refi loans for Oakland hotels, flagged and independent.
- SBA + conventional + CMBS
- Acquisition + refi
- PIP financing
- Construction-to-perm
Salon Business Loans
Capital for Oakland salons, spas, and barbershops, buildout, equipment, and working capital.
- Card-sales underwriting
- Equipment + buildout
- Suite expansion
- Inventory financing
Retail Business Loans
Inventory, buildout, and seasonal capital for Oakland brick-and-mortar retailers.
- Seasonal inventory lines
- Buildout + fixtures
- Multi-location capital
- POS-data underwriting
Auto Repair Shop Financing
Equipment, buildout, and working capital for Oakland auto repair and tire shops.
- Equipment + buildout
- Tire and alignment lines
- Working capital
- Section 179 eligible
E-commerce Business Funding
Inventory, ad spend, and growth capital for Oakland Shopify, Amazon, and DTC brands.
- Platform-data underwriting
- Inventory + ad spend
- Revenue-based options
- Fast funding
Food Truck Financing
Truck purchase, buildout, and working capital for Oakland mobile food operators.
- Truck + buildout
- Equipment financing
- Working capital
- Card-sales underwriting
Loan for Gym Business
Buildout, equipment, and working capital for Oakland gyms and fitness studios.
- Equipment + buildout
- Recurring-revenue underwriting
- Second-location capital
- SBA-eligible