• Alternative Lending for Businesses

    At Camino Financial, we know that traditional financing doesn't always fit the unique needs of entrepreneurs. That's why we specialize in alternative business loans that offer flexibility, speed, and accessibility. Our innovative financing solutions are tailored to empower businesses like yours, ensuring that you have the necessary resources to thrive in today's competitive market.
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  • Camino Financial’s Alternative Business Loans

  • Why Apply With Camino Financial

    We offer a lending experience for businesses seeking alternatives to traditional banks. Our streamlined, transparent process ensures quick and clear access to funds. Whether you're scaling up, tackling new challenges, or seizing unique opportunities, our tailor-made credit product can fit the unique pulse of your business. Let us empower your businesses with an alternative small business loan that is as dynamic and innovative as your vision.
    Two professionals reviewing a business loan application on a tablet in a bustling office.
  • Our Basic Business Loan Application Requirements

    United States citizen

    Business in operation for a minimum of 12 months

    Minimum credit score of 670

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries*

  • How to Apply for Business Funding

  • Compare financing options

    AmountInterest ratesLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00032% - 45%24 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0007% - 99%3 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1M7% - 90%Varies6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,00040% - 400%3 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice value15% - 70%Varies5001 year$ 130,000YES
  • Benefits of Our Alternative Business Funding

    ● A fully online application process ● Fixed interest rates for the life of your loan ● Our application process safeguards your information ● No fees for paying off the loan early ● Outstanding customer support ● Transparent processing fees ● Qualify for a renewal after 12 timely payments
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
  • Read What Our Customers Think

    Join 9,000+ people choosing Camino Financial

  • Convenient loan management.

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
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  • FAQs

    Alternative loans, offered by non-bank institutions, provide financing to those who may not qualify for traditional loans. They usually have flexible eligibility criteria and can be used for various purposes but often come with higher interest rates and fees. These loans might offer quick approval and flexible terms.

    The better choice depends on your specific needs and circumstances. Traditional business loans typically offer lower interest rates and longer repayment terms but require a strong credit history and extensive documentation. Alternative business financing is more accessible, especially for businesses with less established credit histories or those needing quick funding, but could come with higher costs and shorter repayment terms.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Must be a citizen of the United States.

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

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  • *A personal guarantee and a UCC filing may be required at closing. *Other loan options are reviewed on a quarterly basis *Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis, Adult, Car Dealerships

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare

309 E 8th Street, Suite #601 Los Angeles, CA 90014 | info@caminofinancial.com| Tel (800) 852-0655 | Fax (213) 260-6222

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231