San Diego County is home to more than 115,000 small businesses across defense, biotech, tourism, manufacturing, and trade. Each industry runs on a different cash-flow cycle, which is why there is no single "best" business loan. Ashford Commercial Capital is a San Diego–based commercial finance brokerage: we review your file once and shop it across banks, SBA-preferred lenders, and private capital so you see real, competing offers instead of one take-it-or-leave-it quote.
Use this hub to explore every funding program we broker, then drill into the page for your specific need or neighborhood. Every quote is transparent, every pre-qualification uses a soft credit pull, and we are paid by the lender at close, never by you upfront.
We fund businesses throughout the region. Explore funding for your city:
Most working capital programs fund within 24–72 hours of approval. SBA loans typically close in 30–45 days.
No. Our pre-qualification uses a soft pull only. A hard inquiry happens just before final funding, after you accept terms.
Most programs require 3–6 months of business bank statements and a one-page application. SBA loans also require tax returns and financials.
We work with credit profiles starting at 550 FICO. Stronger credit unlocks better rates, but revenue and time-in-business matter just as much.
No. Ashford is paid by the lender at close. You never pay us out of pocket to apply or shop your file.
Most programs allow general business use, payroll, inventory, marketing, equipment, expansion. SBA loans have specific approved-use categories that we'll walk through.