• Business Capital Loans

    Working 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.
    Business partners in a warehouse, smiling with confidence and collaboration.
  • How a Working Capital Loan Can Help Your Business

    In essence, it serves as a critical tool for managing finances and fostering growth. It provides the necessary funds to cover daily operational costs, such as rent and payroll, ensuring that a business can maintain smooth operations even during slow periods or seasonal fluctuations.


    This type of loan is crucial for maintaining cash flow and avoiding cash shortages that can interrupt business activities. Additionally, it supports business expansion and growth without compromising the cash reserves needed for daily operations.

  • Camino Financial’s Capital Business Loans

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • 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.
    Advisors discussing loan options with a client in a modern office setting.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Minimum credit score of 670

    Business in operation for a minimum of 12 months

    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 and states

  • Compare Different Financing Options

    AmountLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00024 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0003 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1MVaries6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,0003 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice valueVaries5001 year$ 130,000YES
  • 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 ● No hidden processing fees
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  • Read What Others Are Saying

    Join 9,000+ people choosing Camino Financial

  • The Importance of Investing in Working Capital

    1

    Ensures Operational Efficiency

    Vital for covering short-term expenses and maintaining smooth operations.

    2

    Supports Business Growth

    Provides financial flexibility for inventory increases, project expansions, and entering new markets.

    3

    Improves Supplier Relationships

    Enables timely payments, possibly securing better terms and discounts.

    4

    Enhances Customer Satisfaction

    Ensures inventory is on hand to meet demand, crucial in competitive markets.

    5

    Provides a Buffer Against Financial Uncertainty

    Offers resilience during economic downturns and unexpected expenses.

    6

    Facilitates Financial Health and Creditworthiness

    Improves financial ratios, making the company more attractive to investors and lenders.

    7

    Enables Strategic Decision Making

    Allows for innovative and long-term planning without the immediate pressure of financial constraints.

    Cheerful businessman at office desk ready to expand with a capital loan.
  • Discover Camino Financial's Convenient Loan Management

    Get a visual overview of your loan's status. Track payment history and request more capital through your personalized member account portal.
  • How To Get A Business Loan With Camino Financial

  • FAQs

    A business working 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.

    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.

    • Have a Social Security Number (ITIN is not accepted).

    • 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.

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  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. *Other loan options are reviewed on a quarterly basis

  • 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
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11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

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

CDFI Certification Number: 181CE054231