The wait is the problem
Fontana's economy, per Wikipedia, is driven largely by industrial uses and trucking-based industries. Businesses that sell to that world often bill other businesses, and those customers pay on terms. Thirty days is common, forty-five or sixty is not unusual. Payroll, fuel, parts, rent and insurance are due every week regardless.
Where the gap opens
- Parts and supply houses stock inventory against orders that pay later.
- Repair and fabrication shops buy materials and labor before the invoice is even sent.
- Staffing and cleaning crews pay workers weekly and bill clients monthly.
- Food businesses near work sites buy ingredients daily against uneven foot traffic.
Freight-related owners know the pattern: fuel, insurance and driver pay do not wait for the shipper. We do not promise funding for any specific trade; what you are offered depends on your own statements.
Sizing the gap: a worked example
For illustration only: a Fontana cleaning and maintenance company takes a three-month contract worth $20,000 a month, invoiced monthly and paid 45 days later. Payroll and supplies cost $13,000 a month. By the time the first check lands, it has fronted about $19,500 to $26,000 depending on timing. The business is profitable and still needs cash. A working-capital advance sized to that gap, and not much more, solves the problem. These figures are examples, not our terms.
What this is not
Working capital is not the right tool for a major purchase: see equipment financing. It is not ideal for constant, unpredictable needs either, where a line of credit fits better. And it should not be used to cover a business that loses money every month.
Tracking the gap over time
Keep a simple weekly log of three figures: cash in the account, invoices outstanding and payments due in the next thirty days. When outstanding invoices grow faster than cash, a gap is opening, and it is cheaper to arrange funding before the account runs low than after. Owners who watch this early can request a smaller amount for a shorter time. Owners who wait often need more, because late payments and missed discounts add up. A log takes ten minutes a week and gives you a clear number to bring to the application.
Applying
We provide funding from $25,000 to $5,000,000, in as little as 24 hours once through. We consider FICO 500 and above, ask for about three months of business bank statements, and need no tax returns. The five-minute application uses a soft credit pull, and sole proprietors can apply. See the Inland Empire page for regional context, or apply here.