Small-business loans

Capital for operators already on the floor.

Tell us what you need. We read deposits and match a structure your cash cycle can service — without inventing an approval on this page.

6+ months in business
Around $15k+ monthly revenue
Personal credit near 500+
Soft inquiry to start

Start a review

Apply for funding

Soft inquiry to begin. Free to submit — not an offer of credit.

Full name Enter your full name. Business name Enter the business name.

Work email Enter a valid email. Phone Enter a 10-digit phone.

Amount needed

Enter an amount. Approximate monthly revenue Select a monthly revenue range. Use of funds Select how funds would be used.

By submitting, you request a review. We are a financing marketplace — not a bank, and not the SBA.

6+ months in business ~$15k monthly revenue Credit near 500+ Soft inquiry first

Products

Seven structures. One application.

Scroll the row. Open the product that matches the job — we still underwrite the cash cycle, not the headline on the card.

Lines of credit

Revolving capacity for uneven deposits.

Short-term loans

A defined amount on a defined clock.

Long-term loans

When the use should outlast a busy quarter.

Invoice factoring

Advance against billed, unpaid work.

Equipment financing

When the asset is the plan.

Merchant cash advances

Speed against card or ACH deposits.

SBA loans

Longer, cheaper, more documented. We are not the SBA.

See all loan options

Industries

The deposit pattern is the underwrite.

Restaurants, crews, clinics, storefronts, and fleets — operators whose cash cycle has to survive a delayed invoice or a quiet week.

Food & hospitality

Restaurants

Inventory, payroll, and the Tuesday after a holiday weekend. We read deposit rhythm before we name a product.

Explore restaurants

Trades

Construction

Materials and labor on someone else’s draw. Timing matters more than a glossy brochure.

Explore construction

Care

Healthcare

Staffing and equipment while payers lag. Soft inquiry to start; no invented claims on this page.

Explore healthcare

Storefronts

Retail

Inventory that has to turn before the invoice clears. One application covers several structures.

Explore retail

Logistics

Transportation

Fuel and freight while settlement waits. We match a facility the route can service — or we say no.

Explore transportation

How it works

Apply online. Review. Get funded.

Three beats. No same-day guarantees. The work is matching a facility to deposits you already have.

Apply online

Share the entity, amount, and what the capital is for. Soft inquiry to start. Sending the form is not accepting terms.
Review

Recent bank statements and existing obligations decide whether a structure fits — and which one.
Get funded

When a source can underwrite it, terms are written before anyone signs. Timing depends on the product.

“We would rather decline a mismatch than force a facility whose repayment fights the cash cycle.”
— Redwood Bay Capital

Submit a loan application

Name, business, amount, and use of funds. Soft inquiry to start.

Full name Enter your full name. Business name Enter the legal or trade name.

Work email Enter a valid email address. Phone Enter a 10-digit phone number.

Amount requested Select an amount range. Approximate monthly revenue Select a monthly revenue range. Use of funds Tell us how the funds would be used.

Redwood Bay Capital is a financing marketplace, not a bank. Submitting does not pull a hard credit inquiry. No invented phone, awards, or AUM on this site.

Why Redwood Bay

A review, not a scoreboard.

Deposit-led underwritingWe read recent activity and existing obligations before we talk about a product name.
One application, several structuresLine, term, factoring, equipment, merchant, or SBA — matched to the use of funds.
Written terms before a signatureCost, holdbacks, guarantees, and default language are discussed first.
Permission to declineWe would rather say no than force a facility whose repayment fights the cash cycle. No awards wall.

Apply for funding About the firm

FAQ

Short answers. No invented statistics.

Does applying affect my credit?

The initial application is designed as a soft inquiry. A hard pull is not required to start. If a later product requires one, that is disclosed before it happens.

What are typical starting qualifications?

About six months in business, around $15,000 in monthly revenue, and personal credit near 500 or higher. Frames, not guarantees.

How fast can funds arrive?

Days for some deposit-backed structures. Weeks for longer or SBA paths. We do not advertise a same-day guarantee.

Are you a bank? Are you the SBA?

No. Redwood Bay Capital is a financing marketplace. Some facilities are issued by third-party sources. We say so before you sign.

Read all FAQs