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PHONE – 949-230-5119


We Have Flexible Underwriting Guidelines!
We Find a Way to Say Yes!

When local and community banks say no, we say YES with a term sheet and a funded loan for your business. Our team are former business owners in seven different industries and we understand what makes sense when we underwrite your loan request. With over 125 institutional lenders and finance company options, we think outside the box, we look at every business differently and what makes sense for your business.  Flexibility and out of the box underwriting is what we are all about for our clients!

* Do You Have Excellent Credit? We Can Help!

We are approved with over 400 institutional lenders and have many corresponding relationships with funding sources to approve your file. Give us a call today at 949-230-5119 as our investors and institutions also have easier guidelines than traditional banks where there are more underwriting restrictions. We can put you in the best position for better rates and fees! 

Our Portfolio of Business Loan Products

We provide financing solutions for a wide variety of business verticals. We have lending relationships with FDIC-insured banks, community and national banks, commercial lenders, private and venture capital firms, Community Development Financial Institutions (CDFI), Community Development Banks (CDB), Certified Development Corporations (CDC) as well as private and wholesale lenders.  We perform all underwriting and pre-approval loan processing in-house on a case by case basis to obtain funding as quickly as possible.


The perfect financing vehicle for any growing business to make sure you have operating expenses met like payroll, accounts payable, inventory or important marketing expenses to bring in more business.


 In today’s business world credit card financing is a viable strategy that no longer carries a negative stigma. Smart business owners use personal and company credit cards to launch their companies and help them succeed. Despite what many believed as reckless twenty years ago, today entrepreneurs use business credit as an effective vehicle to finance everyday business expenditures.  

FACTORING: Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs.

EQUIPMENT FINANCING vs. LEASING (There is a Difference)

Leasing offers an advantage over financing in that you’re not required to offer any sort of down payment to obtain the equipment the way you might be expected to with an equipment loan. Generally, you’re not bound by any collateral, lien or personal guarantee requirements. It may also be easier to qualify for a leasing arrangement than financing if your business or personal credit are less than stellar.

Equipment financing can be bring measurable tax benefits for your business.

The deduction limit for Section 179 is now $1,000,000 for 2018.

 The 2018 Section 179 Deduction threshold for total amount of equipment that can be purchased is up to a threshold of $2,500,000. Most new and used equipment, as well as some software, qualify for the Section 179 Deduction 100% bonus depreciation for 2018 new and used equipment allowed. Under Modified Accelerated Cost Recovery System (MACRS) Bonus Depreciation has increased first-year depreciation deduction to 100% (vs. 50%) of the adjusted gross basis of qualified property. This goes into effect for assets placed in service after September 27, 2017 and before January 1, 2023. Another significant change under the new tax law is the ability to use the bonus depreciation for purchases of new or used property. Under prior law, you could only use bonus depreciation for new property.

When applying these provisions, Section 179 is generally taken first, followed by Bonus Depreciation. Talk with us about how we can help you with financing your next piece of equipment. 


We offer two types of merchant financing, traditional merchant cash advance collateralizing your credit card sales and traditional ACH advances based on gross monthly cash deposits. A merchant cash advance is quick and convenient solution to access immediate cash flow.

Commercial Real Estate Financing (CRE) to 75 Million

Traditional funding options typically sourced by banks and community institutions that follow traditional underwriting guidelines and established business history of 2 years or more. We have access to 400 institutional investors for, SBA conventional and  and non-conventional financing. 




PRIVATE EQUITY | VENTURE CAPITAL | PRIVATE INVESTMENT: We can provide investment capital usually either from private equity, hedge funds, angel investment or venture capital investment sources. This type of investment must show promise as a start-up and in emerging technology, commercial and hospitality real estate development This form of investment is commonly referred to as “private equity” investments.  

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36101 Bob Hope Dr, Suite E5211, Rancho Mirage, CA 92270

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Company Information

Business Hours:
  • Monday – Friday: 9AM – 6PM PST

Small Business Capital Group of America

Zero Application Fees, Faster Turnaround Times, Competitive Rates and a Personalized Solution To Fit Your Business Needs.

The operator of this website is NOT a lender, does not make offers for loans, and does not broker online loans to lenders or lending partners. Customers who arrive at are paired with a lender or a lending partner, and redirected only to lenders or lending partners who offer business loan products.

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