Mon-Fri 8-6·Service Areas(650) 659-4959
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Daly City, CA · Commercial loan broker

Daly City business loans, funded faster

Hazelcrest Financial is a licensed commercial business-loan broker serving Daly City and the northern San Mateo County corridor, connecting established businesses with the right capital through streamlined documentation and direct operator experience.

How brokering helps in Daly City: instead of one bank's checkbox, you get your file in front of many lenders and a plain English comparison. No cost to apply.

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One applicationMany lenders
Local advisorDaly City, CA
BrokerNot a lender
No upfront feesTo you

Who we serve

Who We Serve in Daly City and Nearby Communities

We work with operating businesses across Daly City, Broadmoor, Colma, Brisbane, South San Francisco, San Bruno, Pacifica, Millbrae, and Burlingame. Our clients include wholesale distributors along the Bayshore corridor, hospitality operators near the Serramonte Center, medical practices in the Top of the Hill neighborhood, contractors serving the Peninsula rebuild market, and retail businesses navigating the shift from brick-and-mortar to hybrid models. If you've been running for at least a year, generate consistent revenue, and need capital to expand, restock, hire, or refinance, we can typically find a program that fits.

Many Daly City business owners come to us after their community bank declined a request or layered on conditions they couldn't meet. As brokers, we maintain relationships with dozens of lenders, so a "no" from one institution doesn't end the conversation. We match your revenue profile, collateral position, and documentation capacity to the lender most likely to approve and fund quickly.

Loan programs

Core Business Funding Programs

Every program starts with the same approach: we collect the minimum documentation the lender actually requires, not everything they might want down the road. That lens keeps the process moving and eliminates unnecessary back-and-forth.

SBA 7(a) Loans

SBA 7(a) loans offer long repayment terms and government guarantees that make lenders comfortable with higher loan amounts and lower down payments. Businesses use 7(a) capital to acquire real estate, buy out partners, refinance existing debt, or fund multi-year expansion projects.

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Working Capital Loans

Working capital loans in Daly City cover payroll gaps, inventory purchases ahead of peak season, and short-term cash-flow needs that don't justify a five-year term. Approval hinges on bank statements and revenue consistency rather than collateral appraisals.

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Equipment Financing

Equipment financing allows you to acquire machinery, vehicles, or technology without draining operating reserves. The equipment itself serves as collateral, so lenders often approve requests that wouldn't qualify as unsecured loans.

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Commercial Real Estate Loans

Commercial real estate loans finance the purchase or refinance of owner-occupied properties or investment real estate. Terms stretch to twenty-five years, and lenders will consider properties across the Peninsula, not only within Daly City limits.

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Business Lines of Credit

A business line of credit in Daly City functions like a credit card with a higher limit and lower cost: you draw funds as needed, pay interest only on the outstanding balance, and replenish the line as you repay. Lines work well for businesses with seasonal revenue swings or unpredictable project timelines.

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Invoice Factoring

Invoice factoring converts outstanding receivables into immediate cash. You sell invoices to a factoring company at a discount, and they collect payment directly from your customer.

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How it works

The Hazelcrest Process: Documentation Made Simple

We've closed enough deals to know which documents move the needle and which just sit in a file. The process starts with a fifteen-minute phone conversation at (650) 659-4959 to confirm program fit. If we're aligned, you'll receive a checklist of exactly what we need: typically two years of business tax returns, year-to-date profit-and-loss statement, recent business bank statements, and a brief explanation of how you'll use the funds. We review everything before submission, flag any gaps, and request corrections while the file is still internal.

Once the package is clean, we submit to the lenders most likely to approve based on your industry, revenue, and collateral. You'll hear back within days, not weeks. After approval, we coordinate conditions, schedule the closing, and make sure funds hit your account on the agreed date. Our office is located at 323 89th St, Daly City, CA 94015, a short drive from the Daly City BART station and accessible from Highway 280 or Interstate 280 southbound.

Why Daly City Businesses Choose a Broker

Banks serve their own portfolio. Brokers serve you. We don't have internal lending committees, branch quotas, or product mandates. If one lender imposes a condition you can't meet, we pivot to another. That flexibility matters in a market where credit standards shift every quarter and every business carries its own story.

Daly City sits between San Francisco's cost structure and the Peninsula's business density, and many companies here operate on thinner margins than their South Bay counterparts. A broker who understands that context won't waste your time on programs designed for high-margin tech startups or venture-backed growth plays. We match capital to cash flow, not the other way around.

Why us

Local Advantage: We Know the Daly City Market

We work in the same ZIP code where you do business. We understand the permit timelines at Daly City's Planning Division, the seasonal traffic patterns that affect Serramonte-area retail, and the insurance requirements that Peninsula contractors face after recent wildfire seasons. That local knowledge shows up in how we frame your loan narrative and which lenders we approach first.

For businesses in Broadmoor, Colma, Brisbane, or Pacifica, proximity matters when you need a face-to-face conversation or want to drop off a document without scheduling a courier. We're here, and we're available.

Market context

By the numbers

Hazelcrest Financial is a licensed commercial business loan broker serving Daly City and the northern San Mateo County corridor, connecting established businesses with the right capital through streamlined documentation and direct operator experience. Nationally, the numbers below tell a similar story:

01

There are more than 33 million small businesses in the United States.

SBA Office of Advocacy
02

Most firms that apply for financing seek $100,000 or less.

Federal Reserve Small Business Credit Survey
03

About half of applicant firms sought funds mainly to cover operating expenses.

Federal Reserve Small Business Credit Survey

National data, reviewed 2026, figures from primary sources.

What owners say

Trusted by Daly City-area business owners

★★★★★
They explained exactly what the lender wanted before we applied, so there were no surprises.
EVElena V.
Daly City · Small Business Loans
★★★★★
Straight answers and no runaround. We finally understood our options.
JOJames O.
Daly City · Business Line Of Credit
★★★★★
They packaged our file properly and took it to the right people the first time.
NKNadia K.
Daly City · Same Day Business Loans

Individual client experiences; results vary by business and program.

Serving the Daly City area

Local guidance across Daly City, CA

Hazelcrest Financial in Daly City, CA

We know which lenders fund which kinds of Daly City businesses, and we position your file where it fits.

One local broker, many lenders, and no cost to apply.

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Common questions

Common questions about business loans in Daly City

What documentation do I need to start a business loan application in Daly City?+
Most applications require two years of business tax returns, a current profit-and-loss statement, three months of business bank statements, and a summary of how you plan to use the funds. We'll tailor the checklist to your program and lender, and we review everything before submission to catch errors early.
How long does it take to get approved for small business loans in Daly City?+
Approval timelines range from three days for working capital or equipment financing to four weeks for SBA 7(a) loans. The speed depends on program complexity, lender workload, and how quickly you can supply requested documents. We keep the process moving by organizing your file correctly the first time.
Can I get business funding in Daly City if my credit isn't perfect?+
Yes, but program options narrow and documentation requirements increase. Invoice factoring and equipment financing rely less on personal credit than unsecured lines of credit or SBA loans. We'll assess your full profile and recommend the programs where you're most likely to succeed.
Do you charge upfront fees for business loan brokerage?+
We do not collect fees until your loan funds. Broker compensation comes from the lender at closing, so our incentive aligns with yours: get the deal done. You'll see our fee disclosed in your loan documents before you sign, and there are no surprises., Hazelcrest Financial 323 89th St, Daly City, CA 94015 (650) 659-4959 Licensed Commercial Loan Broker Serving Daly City, Broadmoor, Colma, Brisbane, South San Francisco, San Bruno, Pacifica, Millbrae, and Burlingame For more information about our services, visit our About page or explore our full Service Areas. If you're researching funding options across the region, our Daly City business funding hub offers additional program comparisons and local resources.

Ready to move on funding?

Talk to a local advisor and get matched to the right program, no obligation.

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Why Daly City owners trust Hazelcrest Financial

Licensed Commercial Loan BrokerState-licensed to arrange business financing on your behalf.
Broker, Not a LenderWe shop your deal across multiple lenders — we don't fund loans ourselves.
No Upfront FeesYou pay nothing to apply or get matched with a lender.
Confidential & SecureYour financial information is never shared without your consent.
Local to Daly City, CABased in Daly City, CA, with on-the-ground knowledge of local lenders and licensing.
National Lender NetworkAccess to lenders coast to coast, not just those in your immediate area.
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