San Diego business funding · 90+ lender partners
Business financing that moves as fast as you do.
Expert guidance, multiple offers and crystal-clear terms. Choose speed when you need it, or the best long-term structure when you don't.
- About two minutes
- No obligation
- SSL encrypted
- Funds provided
- $86M+
- Businesses served
- 1,500+
- Lender partners
- 90+
- Client satisfaction
- 97%
Capital, structured around your next move
Six ways to fund your business, from same-day lines of credit to SBA loans with terms up to 10 years. Pick the structure that fits your timeline, then explore it in depth.
Working Capital
Fuel for the day-to-day, funded in days.
- Amount
- $10k–$5M
- Speed
- 1–3 days
- Term
- 6–60 mo
Business Line of Credit
Standby capital that costs nothing until you use it.
- Amount
- $25k–$500k
- Speed
- Same day
- Term
- Revolving
Term Loan
A lump sum today. Predictable payments tomorrow.
- Amount
- $10k–$5M
- Speed
- 1–3 days
- Term
- 6–60 mo
Equipment Financing
Let the asset pay for itself while it works.
- Amount
- $25k–$1M
- Speed
- 2–5 days
- Term
- 1–6 yrs
Invoice Factoring
Unlock revenue you've already earned.
- Amount
- $100k–$2M
- Speed
- 24–72 hrs
- Term
- Up to 90 days
SBA Loan
Government-backed rates, without the government wait.
- Amount
- $50k–$500k
- Speed
- Fast decision
- Term
- Up to 10 yrs
Funding for the businesses that keep everything running
From job sites to dental chairs, owners come to us when they need capital that fits the way their business actually earns.
ConstructionMaterials, payroll and equipment 
HealthcareEquipment upgrades and expansion 
Restaurants & hospitalitySeasonal cash flow and renovations 
LogisticsFleet, inventory and receivables
Also funding retail, manufacturing, e-commerce, auto, fabrication and professional services.
What you need to qualify for business funding
Three numbers decide most approvals. If you clear these, you're likely fundable today.
See how much you qualify forTakes about two minutes. No obligation.
Months in business
More favorable terms open up once you've been operating longer than four months.
Monthly gross sales
Most programs start near $10k a month in gross revenue, about $120k a year.
Minimum FICO score
Many programs begin at 500 credit. Stronger scores and cash flow open bigger offers.
Have these ready
- Government-issued ID
- Voided business check
- 3–6 months of business bank statements
One dedicated advisor from application to funding
Connect your business to multiple funding options, faster
We help you compare your options, understand the fine print, and move forward with what actually works for your business.
- 1
Apply in minutes
One quick form, about two minutes. Share recent bank statements and we take it from there.
- 2
Compare real offers
We package your file and present options from vetted lenders, with cost, term and speed laid out side by side.
- 3
Sign and get funded
Review terms and sign electronically. Many working capital and line of credit programs fund within 1–3 business days of approval.
Why business owners choose Correia Financial
Institutional lending access combined with hands-on advisory for faster, clearer, more flexible business funding.
Stellar reputation
Integrity, clear communication and ethical structuring, with responsive support through the entire funding process.
Technology-first process
A streamlined digital process minimizes paperwork, accelerates underwriting and reduces back-and-forth, without sacrificing diligence.
Multiple options
Term loans, lines of credit, SBA programs, equipment financing and receivables-based funding, matched to your business profile.
Zero surprises
Clear disclosures, defined repayment structures and no last-minute changes. Expectations are set upfront.
Dedicated advisor
An advisor committed to your long-term interests, with guidance that extends beyond a single transaction.
Transparent timelines
Realistic timelines from application through funding, with proactive status updates at every stage.
Trusted by 1,500+ business owners
“Fast, professional and transparent. We had options in a day and funded shortly after.”
J. KimLogistics“They walked us through SBA vs. LOC clearly. Chose the structure that fits.”
R. PatelManufacturing“Great rates and no surprises. Would recommend to any growing business.”
A. GarciaProfessional services“Pre-qual was quick and the terms were clear. Funded in two days.”
M. ChenRetail“LOC gave us the buffer we needed during peak season.”
D. SinghLogistics“Equipment financing let us upgrade without cash strain.”
H. AlvarezFabrication“Clear terms, quick close and strong support from their team.”
S. BrownConstruction“They helped us compare multiple options and pick the right one.”
L. ParisHealthcare“Smooth from start to finish. Friendly people who know their stuff.”
C. NguyenE-commerce“They met our timeline and kept us informed the whole way.”
P. WilsonHospitality“Would work with them again! They are transparent and responsive.”
E. FloresAuto“The LOC gave us flexibility to grow on our schedule.”
T. JohnsonServices
Read before you borrow
Clear answers to the questions owners ask before they apply: what providers review, how costs compare, which financing fits the need and how it works in your industry.
Costs & ComparisonsBusiness line of credit vs. term loan: which fits?
Revolving access or one lump sum? Compare repayment, costs and six common scenarios to see which structure fits your need.
Qualification & CreditBusiness funding with bad credit: what providers actually review
Your score is one part of the picture. See how revenue, deposits, balances and existing obligations shape your options.
Qualification & CreditBusiness loan requirements: what to prepare before applying
The factors providers review and the documents they request for each type of financing, plus how our application works.
Business loan questions, answered
The short version of what owners ask us most. For anything else, an advisor will walk you through it.
What is a small-business loan?
It's financing designed for companies: term loans for predictable payments, lines of credit for flexible draws, equipment loans for asset purchases, SBA loans for longer amortization and specialty programs such as invoice or PO financing. We compare multiple offers to align cost, term and speed to your goal.
What do I need to qualify for business funding?
Most programs start near $10k a month in gross revenue and a few months in business. There's no strict minimum FICO across all options, but stronger credit and stable deposits can open larger amounts and better terms. Consistent bank activity matters: undisputed income, manageable daily balances and limited NSFs.
What documents are required?
Core items include a government ID, voided check and 3–6 months of business bank statements. Depending on program and amount, lenders may also ask for a recent profit & loss and balance sheet, prior-year business return (for SBA), or deal-specific items such as an equipment quote or A/R aging. These documents verify cash flow and help match you to the best terms.
What are typical business loan rates?
Rates depend on program type, credit profile, revenue trends, time in business, collateral and documentation quality. Longer-term products such as SBA loans often have lower effective costs, while faster, shorter-term options trade convenience for rate. Presenting clean statements and strong financials generally improves pricing.
How fast can I get funded?
Start with instant pre-approval. Share recent bank statements and, if applicable, financials. We package your file and present options from vetted lenders. You review terms, provide any final items, then sign electronically. Many working capital and line of credit programs fund within 1–3 business days after approval.
Can I get a business loan without collateral?
Several programs consider cash flow first. Unsecured working capital and certain lines of credit do not require traditional collateral, though stronger revenue and clean statements help. Equipment financing uses the asset itself as security; invoice and PO financing advance against receivables or confirmed orders.
What are the benefits of small-business funding?
Strategic financing helps you move faster. It can smooth seasonal dips, fund inventory or equipment, and let you hire ahead of demand. Flexible programs allow you to seize opportunities without draining cash reserves, while consistent repayment can help establish business credit over time.
Does applying with Correia Financial hurt my credit score?
No. Submitting an application with Correia Financial does not affect your credit score. It simply shows us what your business may qualify for. A funding provider may review your credit later, but only if you choose to move forward with one of its offers.
Can I still apply if my credit isn't perfect?
Absolutely. Business owners at every credit level are welcome to apply. Banks often set strict score cutoffs, but many of the providers we work with weigh your revenue and cash flow just as heavily, which can open more doors. Each provider makes its own final decision on approval and terms. Start online or call 619-387-5891 to talk through your options with an advisor.
Can a startup or newer business qualify?
Yes, in many cases. Some programs look for a longer track record, while others are designed for younger companies. Your monthly revenue and the overall picture of your business matter most, so a newer business can still have real options.
Does it cost anything to apply?
No. Applying with Correia Financial and reviewing your funding options is free. You never pay anything upfront to find out what your business may qualify for.
How do you protect my information?
Correia Financial and the funding providers we work with follow industry standard security practices, and we update them as new online threats emerge. Everything you submit, including your application and bank statements, travels over an encrypted connection.
Are your financing products available in every state?
No. Availability of financing products varies by state and is subject to applicable licensing and regulatory requirements. Certain products, including loan products, are offered only in states where permitted.
What if my business needs more funding down the road?
You are welcome to apply again whenever you're ready. Growing businesses often need funding more than once, and your advisor can review your updated numbers and show you what's available next.
Who can I talk to if I still have questions?
Our team is happy to help. Call 619-387-5891 or email jonathan@correiafinancial.biz and an advisor will get back to you.
Find funding that fits your cash flow
One quick form, offers built around your revenue. About two minutes, no obligation.
