• Business Loans for the Self-Employed

    The journey to business success presents unique financial challenges for self-employed professionals, who need specialized and flexible financing options. At Camino Financial, we understand the unique challenges you face. That's why we've tailored our business loan for independent entrepreneurs. Whether you're looking to expand, invest in new equipment, or simply boost your cash flow, we're here to help your business thrive.
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  • Why You Should Invest In Your Business

    As a self-employed individual, investing in your business is critical as it underpins both its immediate success and long-term sustainability.

    Investing a loan signals commitment to your business's future, attracts customers, and maintains a competitive edge. It also prepares you for unforeseen challenges by creating financial buffers and enabling adaptability.

    Moreover, investing encourages a cycle of continuous learning and innovation, essential for staying relevant in a rapidly changing market.

  • Our Business Loans for the Self-Employed

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Choose Our Loans for Self-Employed Business Owners

    Navigating the financial landscape as a self-employed entrepreneur, independent contractor, or freelancer is easier with the right support. Camino Financial understands that no two businesses are the same, so we offer customized loan options to meet your unique financial circumstances and business goals. We are committed to providing a loan solution that aligns with your specific needs. With us, you're not just getting a loan; you're gaining a financial partner invested in your success and growth.
    A professional woman engaging in a virtual meeting or teleconference, possibly working remotely, with a pleasant and focused expression.
  • Our Basic Business Loan Application Requirements

    ✓ Have an SSN

    ✓ 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 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

    ● A 100% online application process ● Competitive and fixed interest rates ● We’ll safeguard your private information ● Early prepayment incurs no extra charges ● A top-tier customer support team ● Transparent processing fees with no hidden charges
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  • Here's What Our Customers Are Saying

    Join 9,000+ people choosing Camino Financial

  • Ways Self-Employed Entrepreneurs Can Invest a Business Loan


    Essential Tools and Equipment

    Purchase specialized tools or technology to enhance product quality or service delivery.


    Upgrade Infrastructure

    Improve your physical or digital workspace for better efficiency and customer experience.


    Expand Marketing and Branding

    Allocate funds towards marketing strategies to reach more customers and grow your brand.


    Increase Inventory or Services

    Buy inventory in bulk or introduce new services to attract more customers.


    Hire Freelancers or Part-time Employees

    Invest in part-time help or freelancers for tasks outside your expertise, freeing up your time for growth-focused activities.


    Professional Development

    Enhance your skills and knowledge through courses or certifications relevant to your business.

    Focused business owner with receipts planning finances, optimistic about loan opportunities.
  • Convenient loan management.

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply for Business Funding

  • FAQs

    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

    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