Do you have an office in San Francisco?

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

How fast can a San Francisco business get funded?

Many applications are reviewed the same business day, with same-day or next-day funding available once approved. In a city where a lease deposit or a broken oven cannot wait, that speed is the point.

My SF business serves startups with unpredictable payment timing. Can I still qualify?

Yes. Vendors serving the tech ecosystem are a natural fit. We underwrite on the revenue flowing through your accounts across your client base, not on any single client's payment habits.

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 Francisco

We fund businesses across San Francisco remotely, with no branch visit and no in-person meeting required. From SoMa startups to Mission District restaurants, SF 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 Francisco business landscape

San Francisco's small business economy lives in the shadow of big tech, and it runs on tech's rhythms. Startups and growth-stage companies in SoMa and the Mission hire agencies, IT contractors, recruiters, caterers, and office service firms, then pay them on startup timelines that stretch when funding rounds do. When a startup scales from twenty to a hundred people, its vendors scale with it, carrying payroll and inventory for months before the invoices clear. The city's tech cycles create real revenue for small vendors with genuinely lumpy timing.

Tourism is the second engine. Fisherman's Wharf, Union Square, the convention trade, and the city's endless calendar of events fill hotels, restaurants, and bars, with sharp seasonal peaks and real slowdowns. Hospitality owners here carry some of the highest commercial rents and labor costs in the country through every quiet stretch. Restaurants from the Mission to Hayes Valley compete in one of America's toughest dining markets, where a kitchen failure or a slow winter can define the year.

Construction and specialty trades stay busy with constant commercial tenant improvements, seismic retrofits, and residential renovation in one of the country's oldest and most regulated building stocks. Biotech spillover from the Peninsula supports lab suppliers and specialized contractors. The port and the city's wholesale food and produce businesses add another working-capital layer. Across tech services, tourism, and trades, San Francisco businesses earn well and spend heavily, which is why funding sized to revenue fits better than funding sized to a credit score.

Industries we fund in San Francisco

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

Tech Services & Startups

Agencies, IT contractors, and recruiters serve startups that pay on funding-round timelines. Funding bridges the gap between delivering the work and collecting on it.

Hospitality & Tourism

Hotels, restaurants, and bars ride convention and tourist seasons with high fixed costs. Off-season capital funds renovations, hiring, and marketing ahead of the peaks.

Restaurants & Food Service

From Mission taquerias to Hayes Valley dining rooms, SF restaurants face brutal rents and labor costs. Funding covers kitchen equipment and slow-month payroll.

Construction & Seismic Retrofit

Contractors on tenant improvements and retrofits wait on draws and property owners. Advances fund crews and materials while the next payment is pending.

Retail & Specialty Shops

Union Square retailers and neighborhood boutiques buy inventory seasons ahead of sales. Capital funds stocking before the holiday and tourist peaks.

Areas served

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

SoMa Mission District Hayes Valley Dogpatch Chinatown Richmond District Marina District

Common funding uses in San Francisco

Scale with a startup client: an IT contractor covers three months of engineer payroll as a SoMa startup grows, before the master services invoices clear.

Renovate before convention season: a Union Square hotel refreshes rooms and the lobby in the quiet weeks so it commands peak rates when events return.

Replace a dead kitchen line: a Mission restaurant fixes its equipment the same week instead of losing a month of revenue to a partial shutdown.

Stock for the holidays: a Hayes Valley boutique buys inventory in late summer instead of watching the biggest sales season pass understocked.

San Francisco funding FAQ

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

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