Santa Barbara: get $25,000 to $5,000,000 in as little as 24 hours — approved on your revenue, FICO 500+, no existing advance needed.
Apply Now →Santa Barbara contractors and trade businesses can get $25,000 to $5,000,000 in contractor working capital — approved on your revenue and bank deposits, not just your credit (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Contractor Working Capital gives you flexible operating cash for day-to-day operations. You don't need an existing loan or advance to qualify — this is straight first-position capital for Santa Barbara contractors.
Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →
Santa Barbara's economy runs on tech, entertainment, agriculture, and trade, and owners put this capital to work on:
Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Santa Barbara contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.
How fast can a Santa Barbara business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.
Do I need an existing loan or advance? No. This is first-position funding for Santa Barbara contractors with no open advances — a clean balance sheet gets the best terms.
What credit score do I need? 500+ FICO is accepted. We underwrite on Santa Barbara revenue and bank deposits, not the score alone.
Fast, first-position funding for Santa Barbara contractors — approved on revenue, funded the same day. Apply Now ⚡
We fund contractors in Santa Barbara and California. Explore nearby cities and other funding options below.