Looking for a business loan broker in Richmond who explains what underwriters actually want to see? Dawn Funding Group at 1734 Solano Ave, Berkeley, CA 94707 serves Richmond, CA as a licensed commercial loan broker.
A business loan broker in Richmond assembles your tax returns, bank statements, and operating history into a file that meets lender underwriting checklists, then shops it to multiple capital sources. We don't lend money; we prepare applications that clear credit committees. Whether you operate a warehouse near the Richmond BART station or run a manufacturing shop along Cutting Boulevard, our job is documentation made simple: matching your cash flow profile to the programs that fund businesses like yours, then submitting clean files that reduce back-and-forth.
Small business
Richmond's industrial base, fabricators in the Point Richmond corridor, distributors near the Port of Richmond, and service companies along San Pablo Avenue, often needs capital faster than a single bank relationship can deliver. A small business lending broker accesses SBA lenders, alternative working-capital platforms, equipment lessors, and factoring lines simultaneously. We know which underwriters approve files with seasonal revenue (common in construction trades serving Contra Costa County projects) and which require two years of consistent EBITDA. You submit documents once; we handle five lender conversations in parallel.
SBA loans
An SBA broker structures 7(a) applications when you're buying a competitor, refinancing expensive debt, or adding a second location in El Sobrante or Pinole. Underwriters want 10-20 percent equity injection, two years of business tax returns (or strong personal credit for startups), and a narrative explaining how the loan improves cash flow. We draft that narrative, order the environmental Phase I if you're purchasing a building near the old Chevron refinery footprint, and coordinate the SBA Authorization. Richmond companies in light manufacturing and logistics use 7(a) loans because the 10- or 25-year amortization keeps monthly payments manageable even when revenue dips during contract transitions.
Working capital
Need inventory financing before a big wholesale order, or want to lease CNC machines without a balloon payment? As a business lending broker and equipment finance broker, we pull recent bank statements (most programs review the last three to six months), confirm your time in business, and submit to lenders who specialize in fast closings. A Richmond metal-finishing shop, for example, might use invoice factoring through broker factoring companies to smooth gaps between completing a job for a Bay Area general contractor and receiving payment 60 days later. We explain advance rates, reserve holdbacks, and notification requirements so you understand exactly what hits your account and when.
Call (510) 751-0901) to start. We'll ask about revenue, time in business, and use of funds, then build a checklist: usually two years of business and personal tax returns, year-to-date profit-and-loss, interim balance sheet, and three months of bank statements. If you're near Richmond's commercial corridors, we can meet at your facility to review equipment appraisals or lease agreements. Once documents are ready, we submit to our lender network and guide you through underwriting questions. Learn more about SBA 7(a) loans, equipment financing, or invoice factoring, or visit our Service Areas page for the full list of cities we cover.
Serving the Richmond area
We know which lenders fund which kinds of Richmond businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
