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.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
Your Benefits When Applying with Us
- Funding Speed3 to 5 business days³
- Fixed Interest ratesConsistent rates for predictable payments
- Renewal OptionsEligibility through timely payments
- FlexibilityDifferent products that fit different needs
- No Impact on Credit ScoreSoft pulls only⁴
- AmountsFlexible 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%
Not all loan term lengths are available to all customers.
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.
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.
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.
Lines of credit are subject to periodic review and may change or be suspended with or without an account closure.
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.
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