Do you have an office in San Diego?

No. We fund San Diego businesses entirely remotely, so there is no branch to visit in the Gaslamp, Kearny Mesa, or anywhere else. The application, review, and funding are all handled online and by phone.

How fast can a San Diego business get funded?

Many applications are reviewed the same business day, with same-day or next-day funding available once approved. When a research project starts Monday or a ship is in dry dock, waiting is not an option.

My San Diego business waits on slow government or institutional payments. Can I still qualify?

Yes. Defense contractors and lab service firms are a strong fit. We underwrite on the revenue flowing through your accounts, not on how fast your institutional clients pay.

What do I need to apply?

Most applicants need at least one year in business and $50,000+ in monthly revenue. You will provide recent bank statements and basic business information. Credit history is reviewed, but strong revenue can outweigh a weak score. Advances go up to $2.5 million.

Local Funding

Merchant Cash Advance in San Diego

We fund businesses across San Diego remotely, with no branch visit and no in-person meeting required. From Torrey Pines biotech suppliers to North Park breweries, San Diego owners get working capital based on revenue, not credit scores, with advances up to $2.5 million. Apply online for same-day or next-day funding.

Free funding check

See What You Qualify For

Takes under 2 minutes. No hard credit pull, no upfront fees, no obligation.

The San Diego business landscape

San Diego's economy rests on three pillars that rarely move together, which is why local small businesses need flexible capital. Biotech and life sciences cluster around Torrey Pines and Sorrento Valley, where research institutes and startups support lab suppliers, specialized contractors, staffing firms, and service companies. These are high-skill small businesses with real revenue and lumpy project cycles: they staff up for a study or a buildout, then wait on institutional clients to pay.

The military is the second pillar. Navy and Marine Corps installations, shipyards, and the defense contractors around them make San Diego one of the great defense towns in America. Small contractors do ship repair, facilities work, IT services, and logistics support, all on government payment timelines that stretch for months. Veteran-owned businesses are everywhere in this economy, and they are used to carrying the float between the work and the check.

Tourism, craft brewing, and cross-border trade complete the picture. The beaches, the Gaslamp, Balboa Park, and the convention center fill hotels and restaurants, with summer peaks and real winter slowdowns. San Diego's craft brewing scene, one of the densest in the country, runs tasting rooms and distribution on tight margins. Cross-border manufacturing and logistics with Tijuana support warehouses, carriers, and customs brokers. Across biotech, defense, and hospitality, the funding need is the same: strong revenue with timing only the owner understands.

Industries we fund in San Diego

We work with businesses across dozens of industries. These are the sectors we fund most often in San Diego, each with its own cash flow rhythm and capital needs.

Biotech & Life Sciences

Lab suppliers, specialized contractors, and staffing firms around Torrey Pines serve research clients that pay slowly. Funding covers payroll and project costs between milestones.

Defense & Maritime Contractors

Ship repair, facilities, and IT contractors supporting Navy and Marine installations wait months on government payments. Advances bridge the contract-to-cash gap.

Craft Brewing & Hospitality

Breweries, tasting rooms, and restaurants run on thin margins and seasonal tourism. Funding covers tanks, canning lines, equipment, and slow-month payroll.

Tourism & Restaurants

Beach-area hotels and Gaslamp dining ride summer peaks and winter lulls. Off-season capital funds renovations, hiring, and marketing ahead of the crowds.

Cross-Border Trade & Logistics

Warehouses, carriers, and customs brokers serving the Tijuana trade corridor live on the invoice gap. Funding covers equipment, fuel, and payroll between shipments.

Areas served

We fund businesses in San Diego entirely remotely, so there is no office to visit wherever you are located. These are some of the neighborhoods and districts we serve:

North Park Gaslamp Quarter Barrio Logan Kearny Mesa La Jolla Mission Valley Hillcrest

Common funding uses in San Diego

Staff a research project: a Sorrento Valley lab services firm hires specialists for a six-month study before the client's milestone payments begin.

Bridge a shipyard contract: a Barrio Logan marine contractor covers payroll for two months while Navy invoices work through the payment system.

Expand the brewery: a North Park brewer funds new tanks and a canning line to meet distributor demand instead of capping growth at current capacity.

Renovate before summer: a beach-area hotel refreshes rooms and the pool deck in winter so it commands peak rates when tourists arrive.

San Diego funding FAQ

This is not a loan. All funding is subject to approval and underwriting.

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