San Diego's innovation economy needs flexible funding. Get approved in under 1 hour, funded as fast as next business day. No collateral required for most programs.
Local Business Lending
San Diego's economy is defined by three industries that between them employ the majority of the city's workforce and generate most of its economic output: defense and military, biotech and life sciences, and tourism. Each creates a distinctive small business lending market with needs that traditional banks are poorly positioned to serve.
The defense economy — Naval Air Station North Island, Naval Base San Diego, Marine Corps Base Camp Pendleton, Naval Base Point Loma, and dozens of defense contractor campuses — makes San Diego the most military-dense metro in the country outside the DC suburbs. Defense contractor small businesses in Sorrento Valley, Kearny Mesa, and Miramar face the classic government contracting capital challenge: performance starts before payment arrives. Bridge capital against government receivables is one of FundCapa's most active programs in the San Diego market.
The biotech and life sciences corridor stretching from Torrey Pines through Sorrento Valley and into Kearny Mesa is the third-largest life sciences cluster in the country. Biotech startups, contract research organizations, clinical trial management companies, medical device manufacturers, and laboratory supply businesses all operate in a capital-intensive environment where the revenue cycle from research to commercial product can span years. Working capital for pre-commercial biotech businesses, equipment financing for lab and manufacturing buildouts, and bridge capital for clinical trial phases are all active FundCapa programs in the San Diego life sciences market.
San Diego's tourism economy — Gaslamp, Little Italy, the beaches, Balboa Park, the Zoo — drives significant hospitality and food service small business activity. The craft beer industry (San Diego has more craft breweries than any major American city) adds a distinctive food and beverage lending market. FundCapa has funded San Diego businesses from North County to Chula Vista, La Mesa to Ocean Beach, with approval under 1 hour.
We also serve businesses in Chula Vista, El Cajon, Escondido, National City, Vista, Carlsbad, Oceanside, and throughout San Diego County.
Local Economy
San Diego is home to 60,000+ small businesses across Downtown, Gaslamp Quarter, Mission Valley, La Jolla, and Chula Vista. FundCapa works with businesses in every major sector.
San Diego is a global hub for biotech and defense, and its small business community benefits from one of the most educated workforces in the country.
Funding Options
Every business is different. We match you to the right program — not the one that pays us the most.
Requirements
Our requirements are among the most flexible in the industry. Most San Diego businesses qualify.
500+ minimum. We work with damaged credit.
6 months minimum operating history.
$10,000+ in average monthly bank deposits.
Active business checking account required.
None required for most funding programs.
One page. Soft pull only. No impact on credit.
Process
The whole process — from applying to funded — takes as little as one business day.
Complete our 5-minute application. No lengthy paperwork, no bank branch visit required.
We compare offers from 50+ lenders to find the best rate and terms for your business.
Most San Diego businesses receive a funding decision within 1 hour of submitting their application.
Funds are deposited directly to your business bank account — often the next business day.
Verified Reviews
Real businesses, real results. Average funded: $78,000.
"Stocked up before summer and had the best season in five years."
Tara N.
Funded: $42,000
"Needed to hire fast. FundCapa bridged payroll until our contract payments landed."
Greg P.
Funded: $58,000
"New laser equipment paid for itself in 60 days. FundCapa made the decision easy."
Lisa K.
Funded: $72,000
Apply in 5 minutes. No obligation. Decision in under 1 hour.
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Also serving all businesses in California.