Every loan program a Fresno business needs.
SBA, working capital, factoring, lines of credit, and startup financing — from one local team that knows Southeast California lenders inside and out.
SBA Loans
Government-backed loans with long terms and low rates for established Fresno 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 Fresno 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 Fresno 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 Fresno 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 Fresno trucking, ag-packing, 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 — Fresno'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 Fresno 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 Fresno business — SBA, conventional, or seller-financed structures.
- SBA + conventional options
- Partner buyouts
- Seller note blending
- Working capital included
Business Lenders Near Me
Find Fresno-friendly lenders matched to your industry, time in business, and credit profile.
- Fresno-friendly lender pool
- Soft pull to shop
- One application
- Side-by-side offers
Business Loan Broker
A licensed Fresno loan advisor who shops your file across multiple lenders.
- No upfront fees
- Lender-paid structure
- Single point of contact
- California-licensed
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 Fresno 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 Fresno manufacturers.
- New + used equipment
- Soft-cost coverage
- Section 179 eligible
- Step-up payments available
Agriculture Equipment Financing
Tractors, harvesters, irrigation, and implements for Central Valley 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 Fresno 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 Central Valley producers.
- Operating lines + term debt
- Farmland and improvements
- Livestock and equipment
- Patronage dividends
Dental Practice Loans
Acquisition, buildout, and equipment financing for Fresno dental practices.
- 100% acquisition financing
- Equipment + buildout
- Partner buy-ins
- Working capital included
Medical Practice Loans
Loans for Fresno 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 Fresno 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 Fresno 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 Fresno 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 Fresno hotels — flagged and independent.
- SBA + conventional + CMBS
- Acquisition + refi
- PIP financing
- Construction-to-perm
Salon Business Loans
Capital for Fresno 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 Fresno 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 Fresno 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 Fresno 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 Fresno mobile food operators.
- Truck + buildout
- Equipment financing
- Working capital
- Card-sales underwriting
Loan for Gym Business
Buildout, equipment, and working capital for Fresno gyms and fitness studios.
- Equipment + buildout
- Recurring-revenue underwriting
- Second-location capital
- SBA-eligible