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Flexible Financing for Every Business Stage

From startup capital to expansion funding, we provide the lending solutions Berkeley businesses need to grow sustainably.

Working Capital Loans

Keep your business running smoothly with flexible working capital that covers daily operations, inventory, payroll, and seasonal fluctuations. These loans provide the cash flow flexibility you need without sacrificing long-term financial health.

Ideal For:

  • Managing cash flow gaps between receivables and payables
  • Purchasing inventory for seasonal demand
  • Covering payroll during slower revenue periods
  • Taking advantage of supplier discounts with early payment
  • Funding marketing campaigns and business development

Terms & Features

  • $10,000 to $500,000 funding range
  • 6 to 24-month repayment terms
  • Competitive fixed or variable rates
  • Fast approval—most decisions within 48 hours
  • Flexible repayment schedules aligned with your revenue cycle

Equipment Financing

Acquire the machinery, vehicles, technology, and equipment your business needs without depleting cash reserves. Equipment financing allows you to spread costs over time while preserving capital for operations and growth.

Ideal For:

  • Restaurant and food service equipment
  • Manufacturing machinery and tools
  • Medical and dental equipment
  • Commercial vehicles and fleet expansion
  • Office technology and software infrastructure
  • Construction and contractor equipment

Terms & Features

  • Up to 100% financing of equipment value
  • Repayment terms up to 5 years
  • Equipment serves as collateral (lower rates)
  • New and used equipment eligible
  • Potential tax advantages through depreciation

Revenue-Based Financing

Repayment that flexes with your business performance. During strong months, you pay more. During slower periods, payments adjust down automatically. This structure aligns with your actual cash flow, not arbitrary calendar dates.

Ideal For:

  • Businesses with seasonal revenue fluctuations
  • E-commerce and online retailers
  • Restaurants and hospitality businesses
  • Service businesses with variable monthly income
  • Startups with growing but unpredictable revenue

Terms & Features

  • Repayment as a percentage of monthly revenue (typically 5-15%)
  • No fixed monthly payment—adjusts with your income
  • Fast funding (often within 72 hours)
  • Minimal documentation required
  • No personal guarantees in many cases

Commercial Real Estate Loans

Stop paying rent and build equity instead. We finance property purchases, refinancing, and renovations for established Berkeley businesses looking to own their location or expand their real estate footprint.

Ideal For:

  • Purchasing your business location
  • Refinancing existing commercial property
  • Multi-unit property acquisition
  • Mixed-use property (commercial + residential)
  • Property renovation and improvement

Terms & Features

  • Up to 80% loan-to-value financing
  • 10 to 25-year amortization periods
  • Fixed and adjustable rate options
  • Lower interest rates than unsecured loans
  • Potential property tax and interest deductions

Bridge Financing

Short-term capital to bridge the gap while waiting for longer-term funding, large contract payments, or seasonal revenue. Bridge loans provide immediate liquidity without disrupting your business operations.

Ideal For:

  • Awaiting SBA loan approval
  • Covering expenses between large contract payments
  • Filling seasonal cash flow gaps
  • Securing inventory before peak season
  • Bridging to property sale or refinance

Terms & Features

  • $25,000 to $1,000,000 funding
  • 3 to 18-month terms
  • Fast approval and funding (often same-week)
  • Interest-only payment options
  • Balloon payment at maturity

Expansion Capital

Ready to scale? We provide the substantial capital you need to open new locations, enter new markets, acquire competitors, hire key staff, or launch major initiatives. Expansion loans are structured for businesses with proven models ready to grow.

Ideal For:

  • Opening additional locations
  • Launching new product lines or services
  • Acquiring another business
  • Hiring executive talent and key employees
  • Expanding into new geographic markets
  • Major technology or infrastructure upgrades

Terms & Features

  • $100,000 to $2,000,000+ funding
  • 12 to 60-month repayment terms
  • Structured around your growth projections
  • May include performance milestones
  • Competitive rates for established businesses

Not Sure Which Option Fits Your Business?

Schedule a consultation with our lending team. We'll review your needs and recommend the best financing structure.

Schedule a Free Consultation