A freight-and-freeway city
San Bernardino is the county seat of San Bernardino County, with 222,101 residents in 2020 and an incorporation date of August 1869. Wikipedia says its location near the Cajon and San Gorgonio passes, at the junctions of the I-10, I-215 and SR-210, positions it as an intermodal logistics hub. It hosts the BNSF Railway's intermodal freight yard, a Yellow Freight cross-docking center and Pacific Motor Trucking, and large warehouses for Kohl's, Mattel, Pep Boys and Stater Bros. have been built near San Bernardino International Airport.
The Riverside-San Bernardino metro area has 4.74 million residents and is the 12th largest in the nation, and the city's University District is home to California State University, San Bernardino. A big freight footprint and a college neighborhood sit side by side, so there are two economies at work.
How small businesses plug into that network
Warehouses and rail yards generate demand for owner-operators, repair shops, tire and parts dealers, fabricators, staffing firms, cleaners and truck stops. Many of those firms are paid by larger counterparties on slow terms. A trucking subcontractor or a loading crew can carry fuel and payroll for weeks before a freight invoice clears.
College and neighborhood businesses are different: restaurants, coffee shops, copy and print shops, barber shops and tutors depend on the academic calendar and weekly rhythms rather than invoices. They see the opposite problem, steady small deposits with a thin cushion.
Match the product to the problem
Different cash-flow problems call for different tools, and you can read about each one for San Bernardino:
- Short gaps and payroll: working capital and a business line of credit for repeating swings.
- A machine, trailer or oven: equipment financing.
- Daily-sales businesses: merchant cash advance and revenue-based financing.
- Longer purchases: term loans, and for new businesses startup business loans.
- If existing advance payments are straining cash flow: MCA relief.
- Rebuilding after credit trouble: bad-credit business loans.
For long-haul trucking specifically, the cash-flow picture is hard (fuel, insurance and slow-paying brokers), and we do not promise funding for it. Local delivery and service businesses have an easier fit.
What we need from you
We fund San Bernardino businesses from $25,000 to $5,000,000, in as little as 24 hours after approval. We consider FICO scores of 500 and above, ask for about three months of business bank statements, and do not require tax returns. The application takes about five minutes with a soft credit pull. Sole proprietors can apply.
Neighbors such as Fontana, Ontario, Rancho Cucamonga, Redlands and Victorville are covered across the Inland Empire and San Bernardino County. Apply here when you are ready.