• Support Your Business Journey with Our Financial Solutions

    At Camino Financial, we are dedicated to empowering small business owners with the financial solutions they need to thrive. Our union with Fundation allows us to offer a broader spectrum of financial services.


    Whether you need a line of credit for ongoing expenses or a term loan for major investments, we provide flexible capital options to fuel your growth.


    Discover how our credit options can help your business thrive.

    Confident businessman reviewing a loan document at his desk with a laptop and smartphone.
  • Our Credit Products

    Explore our offerings and take the next step toward investing in your business.

  • Business Term Loan

  • Business Line of Credit

  • Basic Application Requirements²

    • Business in operation for a minimum of 12 months

    • Annual sales above $50,000

    • Must operate within permitted industries and states

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  • Your Benefits When Applying with Us

    • Funding Speed
      Funding Speed
      3 to 5 business days³
    • Fixed Interest rates
      Fixed Interest rates
      Consistent rates for predictable payments
    • Renewal Options
      Renewal Options
      Eligibility through timely payments
    • Strategically Agile icon
      Flexibility
      Different products that fit different needs
    • No Impact on Credit Score
      No Impact on Credit Score
      Soft pulls only⁴
    • loan amount icon
      Amounts
      Flexible options suited for various financial situations
  • How to Apply

    1

    Submit a Loan Application

    Complete the application form by providing details about your business. We'll let you know whether you're pre-approved within 72 hours.

    2

    Submit Your Documentation

    Following your pre-approval, please submit any additional required documentation.

    3

    Finalize the Process and Receive Funds

    After receiving approval, we'll present you with a final credit offer. Accept the terms and sign the agreement to have the funds transferred to your account (term loan) or be able to start making draws (lines of credit).

  • Our customers love us, and you will too

    In today's dynamic business landscape, access to the right capital at the right time can make all the difference. The strategic union of Camino Financial and Fundation facilitates the offering of financial solutions tailored to your business' unique needs.


    Whether you're looking to renovate your space, upgrade equipment, expand your team, or cover a cash crunch, our flexible financial products are designed to elevate your business to new heights.


    Don't let limited capital hold you back. Partner with Camino Financial and Fundation to unlock your business's full potential today.

  • Frequently Asked Questions

    Actually, Camino Financial and Fundation are sister companies under the banner of Quantum Financial Technologies. This allows us to offer a wider range of financial solutions —lines of credit⁵ and term loans—, combining our strengths to provide better options, rates, and technology to help your business grow.

    Fundation is a leading financial technology brand that specializes in empowering small businesses that is part of Quantum Financial Technologies, our parent company.


    They use advanced technology and analytics to streamline the credit process, as well as partner with banks and B2B companies to provide financial solutions for small businesses, aiming to strengthen the overall small business economy.

    Absolutely. Both Camino Financial and Fundation have an A+ accreditation by the Better Business Bureau (BBB).


    Additionally, we employ bank-grade technology to safeguard your personal data.

    Our loans require a UCC lien on business assets.

    Our business credit products are designed for businesses with an established credit history, so we cannot approve businesses without one.

    Rates as Low As⁶

    Term loan:

    • Interest rate: 15.99%

    • APR: 17.63%

    Term line of credit

    • Interest rate: 14.49%

    • APR: 16.49%

    Fee-based line of credit

    • Interest rate: 19.98%

    • APR: 20.21%

    1. Not all loan term lengths are available to all customers.

    2. Eligibility is based on creditworthiness and other factors.

      Camino Financial & Fundation do NOT extend small business loans to businesses:

      - operating within restricted industries

      - located in NV, HI, MA, MI, NJ, NY, ND, OH, PA, PR, TN, and the Caribbean Islands (as well as Sole Props in IN, NW, and WV, in addition to the previous states)

      A UCC 1 lien will be required at closing. A personal guarantee is also required.

    3. Once approved, get funds deposited in your bank account in as quickly as three business days. ACH typically gets funds deposited in your account in up to five business days.

    4. While applying and reviewing an offer will not impact your personal credit score, If you default on a Camino Financial or Fundation Group loan you may be subject to negative business reporting and personal credit reporting in your role as guarantor.

    5. Lines of credit are subject to periodic review and may change or be suspended with or without an account closure.

    6. Not all customers will be eligible for the lowest interest rate or APR.

      Rates shown are for the highest tier of qualified credit applicants; 10% of applicants received APR and Interest rates listed above over the past twelve-month period (as of July 1, 2024).

      - The typical applicant for term loans received a rate of 27.7% APR (i.e., 50% of applicants received this rate).

      - The typical applicant for term lines of credit received a rate of 21.04% APR.

      - The typical applicant for fee-based lines of credit received a rate of 32.09% APR.

      The rate and APR offered to you may be higher than those listed based on your creditworthiness.


    Camino Financial is licensed as Salas & Company LLC (NMLS #2186459). Fundation Group LLC is a registered licensed lender (NMLS#1587491). In CA, loans are made or arranged by Salas & Company under CFL License #60DBO-43053 and by Fundation Group under CFL License #603 L340. Additional lending licenses held by Salas & Company LLC include: TX # 2100070774-167840; FL # CF9901463. Community Development Certifications held by Salas & Company LLC include: CDFI Certification # 181CE054231; CDE Certification # 21NMC058716.

    • Tobacco Farming

    • Crude Petroleum Extraction

    • Tobacco Manufacturing

    • Small Arms Ammunition Manufacturing

    • Ammunition (except Small Arms) Manufacturing

    • Small Arms, Ordnance, and Ordnance Accessories Manufacturing

    • Tobacco Product and Electronic Cigarette Merchant Wholesalers

    • New Car Dealers

    • Used Car Dealers

    • Recreational Vehicle Dealers

    • Boat Dealers

    • Motorcycle, ATV, and All Other Motor Vehicle Dealers

    • Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers

    • Air Traffic Control

    • Postal Service

    • Monetary Authorities-Central Bank

    • Commercial Banking

    • Credit Unions

    • Savings Institutions and Other Depository Credit Intermediation

    • Credit Card Issuing

    • Sales Financing

    • Consumer Lending

    • Real Estate Credit

    • International, Secondary Market, and All Other Nondepository Credit Intermediation

    • Mortgage and Nonmortgage Loan Brokers

    • Financial Transactions Processing, Reserve, and Clearinghouse Activities

    • Other Activities Related to Credit Intermediation

    • Investment Banking and Securities Intermediation

    • Commodity Contracts Intermediation

    • Securities and Commodity Exchanges

    • Miscellaneous Intermediation

    • Portfolio Management and Investment Advice

    • Trust, Fiduciary, and Custody Activities

    • Miscellaneous Financial Investment Activities

    • Direct Life Insurance Carriers

    • Direct Health and Medical Insurance Carriers

    • Direct Property and Casualty Insurance Carriers

    • Direct Title Insurance Carriers

    • Other Direct Insurance (except Life, Health, and Medical) Carriers

    • Reinsurance Carriers

    • Pension Funds

    • Health and Welfare Funds

    • Other Insurance Funds

    • Open-End Investment Funds

    • Trusts, Estates, and Agency Accounts

    • Other Financial Vehicles

    • Offices of Bank Holding Companies

    • Offices of Other Holding Companies

    • Casinos (except Casino Hotels)

    • Other Gambling Industries

    • Casino Hotels

    • Religious Organizations

    • Grantmaking Foundations

    • Voluntary Health Organizations

    • Other Grantmaking and Giving Services

    • Human Rights Organizations

    • Environment, Conservation and Wildlife Organizations

    • Other Social Advocacy Organizations

    • Civic and Social Organizations

    • Business Associations

    • Professional Organizations

    • Labor Unions and Similar Labor Organizations

    • Political Organizations

    • Other Similar Organizations (except Business, Professional, Labor, and Political Organizations)

    • Private Households

    • Executive Offices

    • Legislative Bodies

    • Public Finance Activities

    • Executive and Legislative Offices, Combined

    • American Indian and Alaska Native Tribal Governments

    • Other General Government Support

    • Courts

    • Police Protection

    • Legal Counsel and Prosecution

    • Correctional Institutions

    • Parole Offices and Probation Offices

    • Fire Protection

    • Other Justice, Public Order, and Safety Activities

    • Administration of Education Programs

    • Administration of Public Health Programs

    • Administration of Human Resource Programs (except Education, Public Health, and Veterans' Affairs Programs)

    • Administration of Veterans' Affairs

    • Administration of Air and Water Resource and Solid Waste Management Programs

    • Administration of Conservation Programs

    • Administration of Housing Programs

    • Administration of Urban Planning and Community and Rural Development

    • Administration of General Economic Programs

    • Regulation and Administration of Transportation Programs

    • Regulation and Administration of Communications, Electric, Gas, and Other Utilities

    • Regulation of Agricultural Marketing and Commodities

    • Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors

    • Space Research and Technology

    • National Security

    • International Affairs

    • 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). 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 Reston, Virginia with a supporting office in Mexico City, Mexico.

    © 2024 by Camino Financial, Inc. All Rights Reserved. Salas & Company LLC dba Camino Financial is a Licensed Finance Lender & Broker in California.
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    fundation

    11600 Sunrise Valley Drive, Reston, VA 20191 | info@caminofinancial.com| Tel (800) 852-0655

    NMLS License: Salas & Company LLC #2186459 | Loans made or arranged pursuant to a California Financing Law license, CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

    CDFI Certification Number: 181CE054231