• Long-Term Business Loans

    Realizing your investment goals requires more than just a quick fix; it demands a reliable financial partner who's in it for the long haul. Camino Financial offers long-term loans with repayment periods of 24 months, giving you more breathing room in your financial planning so you can focus on growth rather than debt. And thanks to our fixed, predictable payments, you're free to grow your business to its full potential.
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  • Camino Financial’s Long-Term Loans

  • Why You Should Apply with Us

    At Camino Financial, we understand that every business is unique. That's why we offer customized loan solutions. Whether you're planning a major purchase, investing in your future, or consolidating debt, our loans provide the stability and flexibility you need to move forward with confidence. With competitive interest rates, fixed repayment plans, and a hassle-free application process, we're committed to helping your business thrive.
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  • Our Basic Business Loan Application Requirements

    United States citizen

    Business in operation for a minimum of 12 months

    Minimum credit score of 670

    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*

  • How To Apply For Our Long-Term Loans

  • Compare financing options

    AmountInterest ratesLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00032% - 45%24 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0007% - 99%3 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1M7% - 90%Varies6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,00040% - 400%3 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice value15% - 70%Varies5001 year$ 130,000YES
  • Benefits of Camino Financial’s Business Funding

    ● A fully online application process ● Fixed and competitive interest rates ● Guaranteed protection of your private data ● No penalties for early loan repayment ● A dedicated customer support team ● Transparent processing fees ● Opportunity for renewal after 12 on-time payments
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  • Read What Our Customers Think

    Join 9,000+ people choosing Camino Financial

  • Convenient loan management.

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
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  • FAQs

    A loan is long-term if it has a repayment period longer than one year. The extended repayment period allows for smaller, more manageable monthly payments, although it often means paying more interest over the life of the loan compared to short-term loans.

    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.

    • Must be a citizen of the United States.

    • 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.

  • Keep Reading

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  • *A personal guarantee and a UCC filing may be required at closing. *Other loan options are reviewed on a quarterly basis *Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis, Adult, Car Dealerships

  • 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

309 E 8th Street, Suite #601 Los Angeles, CA 90014 | info@caminofinancial.com| Tel (800) 852-0655 | Fax (213) 260-6222

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

CDFI Certification Number: 181CE054231