Requirements for San Francisco 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 Francisco are technology, restaurants, construction, professional services, and retail. 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 Francisco 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 Francisco Businesses Welcome
Bank declines accepted. No collateral required. No obligation. Decisions in 24–72 hours.
Check My San Francisco Business Eligibility →✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome
San Francisco Business Funding FAQ
Can San Francisco restaurants survive on MCA financing?
San Francisco restaurants have some of the highest operating costs in the country (rent, labor, food costs). MCA is frequently used to bridge seasonal gaps, replace failed equipment, or fund marketing during slow periods. Requirements: 6+ months in business, $8,000+/month in deposits (low relative to SF operating costs), 500+ FICO. The $8K threshold is a minimum — most qualifying SF restaurants deposit $30,000–$100,000/month, qualifying for proportionally larger advances.
How fast can a San Francisco business get MCA funding?
SF businesses typically receive approval in 24–48 hours and funding in 1–3 business days. Application takes 10–15 minutes. High-volume files with clean bank statements often close faster. Same-day funding is available with select funders for pristine files.
Do Bay Area construction contractors qualify for MCA?
Yes — Bay Area construction companies are strong MCA candidates given the region's high labor costs and persistent construction activity. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Bay Area contractors typically qualify for larger advance amounts due to higher average monthly revenues.
Is MCA available in Oakland, San Jose, and other Bay Area cities?
Yes — MCA is available to all Bay Area businesses: Oakland, San Jose, Fremont, Berkeley, Richmond, San Mateo, Palo Alto, Redwood City, and all 9-county Bay Area businesses. No location restrictions.
What credit score is needed for MCA in San Francisco?
500 FICO is the minimum. Many Bay Area businesses with challenged credit but strong revenue — particularly restaurants and contractors who cash-flow well but had credit challenges during the pandemic years — qualify for MCA when they cannot access bank financing.
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