Bay Area, California · San Francisco, CA
Small business funding in San Francisco. When banks say no.
San Francisco's SMB base sits in the nation's highest commercial-rent bracket. Restaurant and retail margins are the tightest of any major US metro — working capital and bridge funding dominate inbound demand.
SF is 2,900 miles from Brooklyn — a non-issue. ACH same-day funding is the standard path; in-person closings are never required.
Why ICG for San Francisco
Capital that moves at San Francisco speed. Not bank speed.
San Francisco operators borrow because the right week beats the right rate. ICG underwrites on revenue, not narrative, and decisions land inside 24 hours.
Decisions
Inside 24 hours
Credit floor
500+ FICO accepted
Underwriting
Revenue-based, no tax returns
Industries in San Francisco
Priority industries we fund in San Francisco. Pick yours.
Healthcare funding in San Francisco
Medical and dental practices wait longer than almost any other small-business vertical for insurance reimbursement to clear. Working capital closes the gap so payroll, equipment, and expansion never stall.
See healthcare funding details
Service Businesses funding in San Francisco
Service operators — auto repair, salons, cleaners, HVAC, landscaping, professional services — live on the tightest payroll-to-receivables timing in small-business lending. ICG underwrites against revenue, not tax returns, so crews keep moving.
See service businesses funding details
Retail funding in San Francisco
Retail inventory turns the calendar before the register does. ICG funds the pre-season buy, the seasonal staffing push, and the next build-out before sell-through even starts.
See retail funding details
Construction & Contractors funding in San Francisco
Construction operators pay crews every Friday and collect on net-60 from clients. That gap is where builders fail — unless capital moves faster than the build cycle.
See construction & contractors funding details
Am I eligible in San Francisco?
If these four things are true, you probably qualify.
6+ months
Time in business
$15K+
Monthly revenue
500+ FICO
Personal credit
Required for deposit
Business bank account
Other California markets
Nearby cities we also fund. Same playbook.
Apply · San Francisco
Funding for San Francisco businesses. Apply in minutes.
Soft pull only. Decisions inside 24 hours.