Capitalize Your Business

Application Process 

Solutions

"I have worked with Fundation for several years, they are a Great organization fast and efficient with their process."

Frank Tomasula

"Couldn't be happier with the service and swift communication that Fundation provided us." 

Bennett Babin

"Recently worked with Fundation for my Line of credit.  Was a great experience.  They were quick and easy and very cheap in comparison to other LOC options out there."

Cody Swensen

Important Terms and Conditions

1. Not all loan term lengths are available to all customers. 
2. Not all customers will be eligible for the lowest interest rate or APR. Rates shown are for the highest tier of qualified credit applicants; 10% of applicants received APR and Interest rates listed above over the past twelve-month period (as of July 1, 2024).
   – The typical applicant for term loans received a rate of 27.7% APR (i.e., 50% of applicants received this rate).
   – The typical applicant for fee-based lines of credit received a rate of 32.09% APR.
   The rate and APR offered to you may be higher than those listed based on your creditworthiness.
3. Once approved, get funds deposited in your bank account in as quickly as three business days. ACH typically gets funds deposited in your account in up to five business days. 
4. While applying and reviewing an offer will not impact your personal credit score, If you default on a Camino Financial or Fundation Group loan you may be subject to negative business reporting and personal credit reporting in your role as guarantor.
5. Eligibility is based on creditworthiness and other factors.
   Camino Financial & Fundation do NOT extend small business loans to businesses:
   – operating within restricted industries
   – located in NV, HI, MA, MI, NJ, NY, ND, OH, PA, PR, TN, and the Caribbean Islands (as well as Sole Props in IN, NW, and WV, in addition to the previous states)
   A UCC 1 lien will be required at closing. A personal guarantee is also required. 
6. Lines of credit are subject to periodic review and may change or be suspended with or without an account closure.  
   

Camino Financial is licensed as Salas & Company LLC (NMLS #2186459). Fundation Group LLC is a registered licensed lender (NMLS#1587491). In CA, loans are made or arranged by Salas & Company under CFL License #60DBO-43053 and by Fundation Group under CFL License #603 L340. Additional lending licenses held by Salas & Company LLC include: TX # 2100070774-167840; FL # CF9901463. Community Development Certifications held by Salas & Company LLC include: CDFI Certification # 181CE054231; CDE Certification # 21NMC058716.

Restricted Industries

Tobacco Farming, Crude Petroleum Extraction, Tobacco Manufacturing, Small Arms Ammunition Manufacturing, Ammunition (except Small Arms) Manufacturing, Small Arms, Ordnance, and Ordnance Accessories Manufacturing, Tobacco Product and Electronic Cigarette Merchant Wholesalers, New Car Dealers, Used Car Dealers, Recreational Vehicle Dealers, Boat Dealers, Motorcycle, ATV, and All Other Motor Vehicle Dealers, Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers, Air Traffic Control, Postal Service, Monetary Authorities-Central Bank, Commercial Banking, Credit Unions, Savings Institutions and Other Depository Credit Intermediation, Credit Card Issuing, Sales Financing, Consumer Lending, Real Estate Credit, International, Secondary Market, and All Other Nondepository Credit Intermediation, Mortgage and Nonmortgage Loan Brokers, Financial Transactions Processing, Reserve, and Clearinghouse Activities, Other Activities Related to Credit Intermediation, Investment Banking and Securities Intermediation, Commodity Contracts Intermediation, Securities and Commodity Exchanges, Miscellaneous Intermediation, Portfolio Management and Investment Advice, Trust, Fiduciary, and Custody Activities, Miscellaneous Financial Investment Activities, Direct Life Insurance Carriers, Direct Health and Medical Insurance Carriers, Direct Property and Casualty Insurance Carriers, Direct Title Insurance Carriers, Other Direct Insurance (except Life, Health, and Medical) Carriers, Reinsurance Carriers, Pension Funds, Health and Welfare Funds, Other Insurance Funds, Open-End Investment Funds, Trusts, Estates, and Agency Accounts, Other Financial Vehicles, Offices of Bank Holding Companies, Offices of Other Holding Companies, Casinos (except Casino Hotels), Other Gambling Industries, Casino Hotels, Religious Organizations, Grantmaking Foundations, Voluntary Health Organizations, Other Grantmaking and Giving Services, Human Rights Organizations, Environment, Conservation and Wildlife Organizations, Other Social Advocacy Organizations, Civic and Social Organizations, Business Associations, Professional Organizations, Labor Unions and Similar Labor Organizations, Political Organizations, Other Similar Organizations (except Business, Professional, Labor, and Political Organizations), Private Households, Executive Offices, Legislative Bodies, Public Finance Activities, Executive and Legislative Offices, Combined, American Indian and Alaska Native Tribal Governments, Other General Government Support, Courts, Police Protection, Legal Counsel and Prosecution, Correctional Institutions, Parole Offices and Probation Offices, Fire Protection, Other Justice, Public Order, and Safety Activities, Administration of Education Programs, Administration of Public Health Programs, Administration of Human Resource Programs (except Education, Public Health, and Veterans’ Affairs Programs), Administration of Veterans’ Affairs, Administration of Air and Water Resource and Solid Waste Management Programs, Administration of Conservation Programs, Administration of Housing Programs, Administration of Urban Planning and Community and Rural Development, Administration of General Economic Programs, Regulation and Administration of Transportation Programs, Regulation and Administration of Communications, Electric, Gas, and Other Utilities, Regulation of Agricultural Marketing and Commodities, Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Space Research and Technology, National Security, International Affairs.

Expedited 
Processing

3 to 5 business days³

Fixed
Interest Rates

For predictable payments

Renewal
Opportunities

Based on timely payments

Flexible
Solutions

Multiple product options

Credit Score
Protection

Soft pulls only⁴

Tailored
Amounts

Suited to various needs

Business

Term Loans

Varied loan amounts: 
$10,000 to $500,000

Repayment terms¹: 
12 to 48 months

Payment frequency: 
Semi-monthly

Rates as low as²: 
14.99% interest rate & 17.63% APR

Fee-Based Business

Line of Credit

Varied loan amounts: 
$10,000 to $150,000

Repayment terms¹: 
12 to 24 months

Payment frequency: 
Monthly

Rates as low as²: 
19.99% interest rate & 20.21% APR