Short answer first
We do not promise same-day funding. Approved files are funded in as little as 24 hours. Here is what stands behind that:
| What we ask | What we do not ask |
|---|---|
| A 5-minute application | Tax returns |
| About three months of business bank statements | A hard credit pull to start (it is a soft pull) |
| FICO 500 or higher | That you be incorporated (sole proprietors can apply) |
Funding ranges from $25,000 to $5,000,000.
Port timing and the businesses around it
Oakland is the county seat of Alameda County and the most populous city in the East Bay. The Port of Oakland is the busiest port in Northern California and was an early pioneer of intermodal containerized shipping. Thousands of local jobs connect to marine cargo, from hourly roles to distribution managers.
For the small companies in that orbit, such as freight forwarders, warehouse service firms, pallet and packaging suppliers, and equipment mechanics, revenue depends on customers whose own cash depends on cargo moving. When volume shifts, receivables stretch. A fast funding decision is often about carrying payroll through that stretch. See ports and logistics funding in Oakland for more on that cycle.
For illustration: a restaurant's broken hood
A restaurant owner's kitchen hood fails an inspection and must be replaced before reopening. The quote is $45,000, and every closed day costs sales and staff hours. The owner applies, uploads statements showing steady card deposits, and answers one question about a slow month last winter. A file like that is positioned to move quickly. These figures are an example, not our terms. Restaurant owners can read more at Oakland restaurant funding.
Three things that slow Oakland files
- Mixed accounts. Running business deposits through a personal account makes the review harder. Send the account the business actually uses.
- Partial statements. A screenshot of a balance is not a statement. Full monthly PDFs are.
- Silence. A follow-up question unanswered overnight costs a day.
Deciding how much to ask for
Fast money is still money you have to carry. Before applying, an Oakland owner should be able to answer three questions in a sentence each: what the funds pay for, when that spending turns back into revenue, and what the business looks like if that revenue arrives a month late. A forwarder covering a payroll stretch until a large customer pays has a clear answer. An owner hoping to fix a business that has been shrinking for a year usually does not, and speed will not change that. Asking for the amount the plan needs, not the largest number available, keeps the decision cleaner on both sides.
Other Oakland options
Compare a line of credit for recurring gaps, equipment financing for machines and vehicles, or Oakland business loans for a broader view. Shops and contractors can see retail funding and construction funding; clinics can see healthcare funding.