Business Capital Loans
Business capital loans can provide you with the necessary financial support to achieve success. Fortunately, Camino Financial’s accessible commercial loans offer the necessary financial support to help you fund your business. Let us become your trusted lender so you can confidently take the next step in your business journey.Camino Financial’s Small Business Loans
Why Get A Camino Financial Working Capital Loan
Camino Financial is an excellent choice for fast and straightforward business financing. We're committed to supporting small businesses by providing access to flexible lending solutions. We designed our loans to help established businesses maintain their competitive edge and achieve growth. You can use the capital to strengthen your cash flow, cover expenses during the off-season, prepare for a new project or client, pay for an emergency expense, and so much more.Minimum Application Requirements
✔ Registered business
✔ At least 12 months in operation
✔ Min. business income of $30,000 annually, or $2,500 per month
✔ No collateral required*
How To Get A Business Loan With Camino Financial
Benefits Of Choosing Camino Financial
● We offer a 100% online application process ● A commitment to transparency, security, and privacy ● Fixed repayment terms and competitive rates ● No early prepayment penalties ● A dedicated bilingual customer service team ● You can apply with an ITIN** ● No hidden processing fees ● You get the possibility to renew after 12 timely paymentsRead What Others Are Saying
Join 9,000+ people choosing Camino Financial
Anthony Williams
“This was the best loan application experience ever. Other financial institutions need to take a look at how Camino delivers and operates...”Bernie Bravo
“...Camino Financial was great to work with and I love how they determined the loan amount based on my personal guarantee.”Rubert Velasquez
“...Camino is the best I’ve encountered so far. They’re always there to help and really make things happen in a professional, timely manner. Thanks Yvette!”FAQs
A business capital loan is a financial product used to finance everyday business operations. Usually, it's short-term, and you can only use it to cover short-term expenses, such as payroll, operational costs, and rent. It's also referred to as a working capital loan. It can help keep a business afloat during slow seasons or cash flow gaps.
A business capital loan supplements temporary shortfalls in working capital in everyday business operations. For example, if your business experiences a sharp increase in product demand, you'll have to purchase additional raw materials to boost your inventory. If you don't have the funds to do this, you can seek business funding to cover it and meet consumer demand.
You should consider it if: - You're struggling to meet your daily running costs. - You don't have a stable or predictable income throughout the year. - You're experiencing difficulties managing cash flows. - Your business is seasonal, meaning you have a quiet and busy season.
There are several ways to strengthen your working capital, the most common types include: - Term loans. With this type of loan, you receive a lump sum of cash upfront from your lender, which you pay off over regular installments within a certain period. - Business lines of credit. This extension of credit allows you to borrow as little or as much as your business needs within your credit card limit. - Merchant cash advances. It requires you to give up a percentage of your business's future earnings (usually credit card sales) in exchange for a lump sum. - Invoice financing. This working capital loan allows you to borrow money against the amounts due from customers. - SBA (Small Business Administration) loans. SBA offers small businesses various loans with favorable terms and rates. However, their approval process can take months, and their requirements are strict.
*A personal guarantee and a UCC filing may be required at closing. **ITIN is only accepted for people that don’t have an SSN.
