Bay Area, California · San Jose, CA
Small business funding in San Jose. When banks say no.
San Jose / South Bay SMB operators serve a high-income consumer base and a dense tech corporate bench. Service businesses (contractors, healthcare, auto repair) carry the highest average ticket size of any California metro.
From Brooklyn to San Jose is a three-hour time-zone shift. ICG stretches underwriting coverage to 8am–8pm PT so Bay Area applicants never wait an extra day for a decision.
Why ICG for San Jose
Capital that moves at San Jose speed. Not bank speed.
San Jose 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 Jose
Priority industries we fund in San Jose. Pick yours.
Healthcare funding in San Jose
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 Jose
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 Jose
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 Jose
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 Jose?
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 Jose
Funding for San Jose businesses. Apply in minutes.
Soft pull only. Decisions inside 24 hours.