Requirements for San Diego Businesses
500+
Minimum FICO score
$8K+
Avg monthly deposits
6 mo
Minimum time in business
24–72 hrs
Funding decision timeline
The most active MCA industries in San Diego are defense contracting, biotech, construction, restaurants, and tourism. MCA qualification is based on monthly deposits in your business bank account — not collateral, tax returns, or personal assets. Bank declines do not affect eligibility.
How San Diego Businesses Apply
- Complete the one-page application — business name, industry, owner info, estimated monthly revenue. Takes 10–15 minutes.
- Upload 3 months of bank statements — all pages showing all deposit activity in your business checking account.
- Receive offers in 24–48 hours — multiple funders compete through the Mom & Pop network, driving rates down.
- Sign and receive funds in 1–3 business days — no closing agent, no attorney, no site visit required.
Get Funded — San Diego Businesses Welcome
Bank declines accepted. No collateral required. No obligation. Decisions in 24–72 hours.
Check My San Diego Business Eligibility →✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome
San Diego Business Funding FAQ
Can San Diego restaurants and food service businesses qualify for MCA?
Yes — San Diego restaurant MCA requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. The Gaslamp Quarter, Little Italy, and North Park restaurant corridors are among the most active MCA markets in the city. Tourism seasonality is evaluated on a 6–12 month trailing average.
Do San Diego construction contractors qualify for MCA?
Yes — San Diego's active construction market means contractors frequently use MCA to bridge material purchases before draw payments. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. No contractor license verification required for MCA approval.
How fast can a San Diego business get MCA funding?
San Diego businesses typically receive approval in 24–48 hours and funding in 1–3 business days. Application takes 10–15 minutes. Most businesses that apply Monday morning are funded by Wednesday afternoon.
What San Diego industries use MCA most?
San Diego's highest MCA usage industries: construction and trades, restaurants and hospitality, healthcare and wellness, retail, and professional services. Defense and biotech adjacent businesses with government contract receivables also use MCA to bridge payment delays.
Is MCA available in all San Diego County cities?
Yes — MCA is available to all San Diego County businesses regardless of city: Chula Vista, El Cajon, Escondido, Oceanside, Carlsbad, Santee, San Marcos, Vista, National City, and all unincorporated areas. Funding is based on revenue, not location.
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