Business Capital Team

We help small and mid-sized businesses secure fast, flexible financing—without the red tape and waiting time of traditional banks. Whether you’re a startup or a long-established company, we connect you with the right funding product for your needs, including:

• Working capital loans
• Equipment financing
• SBA loans
• Invoice factoring
• Business lines of credit
• Real estate financing
• Credit card processing solutions

Our goal is to help you access cash flow quickly so you can focus on running and growing your business.

Business Capital Team offers multiple funding programs designed to fit different business goals and credit profiles:

1. Working Capital Loans – Ideal for managing daily expenses, inventory, or short-term cash flow.
2. Equipment Financing – Buy or lease new equipment without draining your cash reserves.
3. Term Loans – Borrow a fixed amount and pay it back over time with predictable payments.
4. SBA Loans – Backed by the Small Business Administration, offering low rates and long terms.
5. Invoice Factoring – Turn unpaid invoices into immediate cash.
6. Business Lines of Credit – Access funds as needed, only pay interest on what you use.
7. Real Estate Financing – Purchase, refinance, or invest in commercial properties.
8. Merchant Cash Advances – Quick capital for businesses with consistent credit card sales.

We work with a network of trusted lenders nationwide, tailoring solutions to your business’s financial situation and industry.

A working capital loan gives you a lump sum upfront, which you repay in installments. It’s great for one-time needs—like purchasing inventory or covering slow seasons.

A business line of credit, on the other hand, works more like a credit card: you draw funds only when you need them and pay interest only on what you use. It’s flexible and perfect for managing cash flow or emergencies.

We proudly support almost every industry across Long Beach and surrounding areas, including:

• Retail & E-commerce
• Restaurants & Hospitality
• Transportation & Logistics
• Construction & Contractors
• Healthcare & Dental Practices
• Manufacturing
• Salons, Gyms & Service Businesses
• Professional Services (Law, Accounting, etc.)

If your business earns consistent revenue and has been operating for at least 6 months, there’s a good chance we can help you get approved.

Applying is simple and takes just minutes:

• Submit our online application on businesscapitalteam.com.
• Upload basic documents (like 3–6 months of bank statements).
• Get matched with the right funding program based on your goals and qualifications.
• Receive approval and funding—in some cases, within 24–48 hours!

We designed the process to be fast, transparent, and stress-free.

For most programs, you can receive approval within 24 hours and funding in as little as 1–3 business days.

SBA and real estate loans may take longer due to documentation requirements, but we’ll guide you every step of the way.

Good question! The minimum credit score depends on the program:

• Working Capital / Merchant Cash Advance: 550+
• Equipment Financing: 600+
• Term Loans: 650+
• SBA Loans: 680+

However, credit score is not the only factor. We also look at your business’s revenue, time in operation, and cash flow stability. Even if your credit isn’t perfect, we can often find a funding option that works.

For most applications, you’ll only need:

• Business bank statements (3–6 months)
• Driver’s license or ID
• Voided business check
• Basic business information (EIN, address, industry, etc.)

Larger loans may require financial statements or tax returns, but we’ll let you know exactly what’s needed upfront.

Most small business funding programs we offer are unsecured, meaning no collateral is required. For larger loans (like equipment or commercial real estate financing), the asset itself may serve as collateral.

We’ll always explain the terms clearly so you know what to expect.

Business Capital Team proudly serves Long Beach, California, and surrounding areas including:

• Lakewood
• Torrance
• Signal Hill
• Los Angeles County
• Orange County

We also assist businesses throughout the U.S. via our online platform—but our local expertise makes us the go-to resource for SoCal entrepreneurs.

Working with a local team means faster communication, better understanding of the Southern California business landscape, and relationships with lenders familiar with the region’s economy.

We know what Long Beach contractors, restaurants, and service companies need because we work with them every day.

Rates depend on several factors, including your credit history, revenue, loan type, and repayment term. In general:

• Working Capital Loans: 8%–30%
• Equipment Financing: 6%–20%
• SBA Loans: 6%–10% (typically the lowest)
• Invoice Factoring: 1%–5% of the invoice amount

Our mission is to find you the best rate possible, with transparent terms and no hidden fees.

Repayment terms vary by product:

• Working Capital Loans: 6–18 months
• Equipment Financing: 1–5 years
• SBA Loans: Up to 25 years
• Term Loans: 1–10 years
• Invoice Factoring: Based on customer payment cycles

We’ll tailor your funding so payments fit your business’s budget and cash flow.

In most cases, no. Many of our funding partners allow you to pay off your balance early with no prepayment penalty—and in some programs, you’ll even save on interest by doing so.

Invoice factoring allows you to turn unpaid invoices into working capital—without waiting 30–90 days for clients to pay.

Here’s how it works:

1. You sell outstanding invoices to a factoring company.
2. You get an immediate cash advance (usually 80%–90% of the invoice total).
3. The factoring company collects payment from your client and sends you the balance, minus a small fee.

This option is perfect for B2B companies with consistent invoicing cycles.

Equipment financing helps you purchase or lease machinery, vehicles, or tools essential to your business operations—without paying upfront.

You make monthly payments while using the equipment, and once it’s paid off, it’s yours. This is great for construction companies, manufacturers, and medical professionals who need high-value equipment.

Yes! We partner with lenders approved by the U.S. Small Business Administration (SBA) to help qualified businesses access affordable loans with long repayment terms.

SBA loans are ideal for:

• Expanding your business
• Buying real estate or equipment
• Refinancing high-interest debt
• Purchasing another business

We’ll walk you through the process, assist with paperwork, and help you prepare a strong application.

Absolutely. Once your funds are deposited, you can use them for any legitimate business purpose—marketing, payroll, expansion, hiring, or even new product development.

Our goal is to empower you to invest where it matters most.

Yes, we work with startups as long as they meet minimal revenue or collateral requirements. SBA microloans and equipment financing are excellent options for new businesses still building credit.

Strategic funding allows you to:

• Take on bigger contracts without cash flow strain
• Hire staff to support growth
• Upgrade equipment or technology
• Launch new locations or product lines
• Build marketing momentum

A well-timed loan can turn opportunity into measurable growth.

Unlike traditional banks, we focus on speed, flexibility, and personalization. Banks often require perfect credit and lengthy applications—while we look at your real business potential.

You’ll always talk to a real person (often me!) who understands your goals and works hard to match you with the right financing partner.

Your privacy is our top priority. All applications are encrypted and handled securely. We never share or sell your data to third parties.

Our initial pre-qualification process uses a soft credit pull, which does not impact your score.

If you proceed with a loan offer, the lender may conduct a hard pull—but only with your consent.

Don’t worry—many of our clients were declined by banks before finding success with us. We partner with lenders that consider factors beyond credit score, including cash flow, time in business, and future growth potential.

Just click “Apply Now” on our homepage or contact us directly. You’ll hear back from a real funding specialist (not a bot!) who will discuss your options and walk you through next steps.

📞(562) 350-7457

📧info@businesscapitalteam.com