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Business Details
24 Years
experience
Trusted Small Business Loan Solutions in Irvine, CA
Cornerstone Funding has redefined small business financing since 2002 by providing quick access to working capital through alternative solutions. Our company was founded in response to the challenges small businesses faced during the dot-com bubble, when traditional banks restricted access to capital. Over two decades, we have funded more than $250 million to thousands of businesses nationwide, offering tailored financial products like merchant cash advances, equipment leasing, and SBA loans. Our team of financial experts prioritizes flexibility, with no application fees, no personal collateral requirements, and high approval rates. We specialize in delivering same-day funding to address urgent business needs, whether for expansion, inventory purchases, or cash flow management. Our proven process ensures businesses receive funds in four simple steps: apply online, get approved, receive capital, and grow.

Headquartered in Irvine, California, we serve clients across the United States with competitive pricing and personalized support. Our leadership team brings decades of experience in financial services, having helped diverse industries from restaurants to professional service providers achieve growth. We maintain a commitment to innovation, continuously developing solutions that address evolving business challenges. Our reputation as the #1 source of working capital in the U.S. reflects our dedication to customer satisfaction and operational excellence. By focusing on transparency and ethical practices, we ensure businesses can access capital without hidden fees or restrictive terms. This approach has solidified our position as a trusted partner for small and medium-sized enterprises seeking reliable financing options.
Services
Small Business Loans Equipment Leasing Merchant Cash Advance Factoring Line of Credit SBA Loans
Details
  • Year established: 2002
Highlights and features
  • Over $250 million funded across thousands of businesses since 2002
  • No application fee, no personal collateral required for most products
  • Same-day funding available for urgent business needs
  • Decades of experience in alternative small business financing
  • Competitive pricing with transparent terms and no hidden fees
Services
Small Business Loans
Customized loan solutions for growing or cash-strapped businesses. Provides capital up to $500,000 with no application fees or personal collateral requirements. Repayment terms vary by product type, including weekly or monthly options.
Merchant Cash Advance
Upfront cash in exchange for future credit card sales. Ideal for businesses with consistent card transactions. No fixed repayment deadlines, with automatic deductions based on sales volume.
Equipment Leasing
Access necessary equipment without draining cash reserves. Structured leases preserve credit lines while enabling business growth through asset acquisition. Terms match equipment lifespan.
SBA Loans
Low-interest, long-term financing guaranteed by the Small Business Administration. Designed for established businesses with at least two years of operation. Monthly repayment terms with competitive rates.
Factoring
Convert accounts receivable into immediate working capital. Purchases future receivables at a discount to provide instant cash flow. Commonly used by manufacturers and distributors.
People
Tim Anderson
CEO
Founded Cornerstone Funding in 2002 after witnessing small business financing challenges during the dot-com crisis. Brings over two decades of financial services experience developing alternative capital solutions for businesses nationwide.
Questions
What types of businesses qualify for funding?
We serve all small business types across the United States, including restaurants, retailers, manufacturers, and professional service providers.
How quickly can I receive funds?
Many clients receive capital the same day through our expedited approval process, with most approvals completed within 24-48 hours.
Are there application fees or hidden costs?
We charge no application fees, prepayment penalties, or hidden fees for any of our financing products.
What funding options are available?
We offer small business loans, merchant cash advances, equipment leasing, factoring, lines of credit, and SBA loans with customizable terms.
How does repayment work?
Repayment terms vary by product: weekly for cash advances and lines of credit, monthly for SBA loans, and structured terms for equipment leases.