Merchant cash advance · California · Long Beach
Business funding in Long Beach
Long Beach is a port town first. The Port of Long Beach is one of the busiest container ports in the country, and it feeds a whole ecosystem of drayage trucking, container yards, chassis and truck repair, and warehousing along the 710 corridor. Away from the docks, the city has a real neighborhood economy, restaurants and bars downtown on Pine Avenue, shops on 4th Street's Retro Row, and the businesses of Cambodia Town along Anaheim Street. Healthcare and the airport-area trades round it out.
We fund nationwide from a Florida desk. If your trucks stage near Terminal Island or your shop sits on Anaheim Street, you know the port sets the tempo for the whole city. Downtown hospitality gets its own jolt every April when the Grand Prix takes over the streets. Files from Long Beach get read by people who know what Los Angeles County cash flow looks like: $10K to $2M, sized off real deposits, no hard credit pull to apply.
How seasonality reads on a Long Beach file
Port volume peaks in late summer and fall ahead of the holidays and sags in January, and drayage revenue follows it directly. Downtown restaurants and hotels spike around the Grand Prix and summer waterfront traffic. Funders that know California expect this rhythm and read around it - which months your statements cover can genuinely change your offer. If your slow season is on top of you, it is often worth applying off your strongest recent stretch rather than waiting.
What Long Beach businesses we work with
The Long Beach files that cross our desk skew toward trucking & transportation, restaurants, auto repair shops, construction & contractors, retail stores. Each industry reads differently to underwriting - the guides below explain how funders see yours.
Trucking & TransportationRestaurantsAuto Repair ShopsConstruction & ContractorsRetail StoresAll industries
What it takes to qualify
| Advance range | $10,000 - $2,000,000 |
| Typical sizing | 0.5x to 1.4x monthly bank deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Not sure where you land? The qualification calculator gives you the honest range in ten seconds.
Long Beach funding questions
Do you fund owner-operators and small drayage fleets in Long Beach?
Yes, port trucking is core business for us. Approval runs off your bank deposits, not your credit or your equipment. Even a single truck with steady settlements can qualify.
Freight rates dropped and my deposits dipped. Am I stuck?
Not necessarily. Funders look at the trend and the current run rate, not just your best month. If the account is still active and deposits are regular, there is usually an offer, just sized honestly to today's revenue.
How fast can a Long Beach business see money?
Statements in the morning usually means offers the same day. After you sign, funds typically land in 24 to 48 hours. For a truck repair or a missed load window, that speed is the whole point.
See your number, not a sales pitch
Two minutes, no hard credit pull, sized off your real deposits.
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