Technology Financing

Technology financing for Long Beach businesses

Long Beach's technology footprint is smaller than San Francisco or Santa Monica but real: software shops in Downtown, hardware and IoT companies near LBC and the universities, defense-adjacent technology in the South Bay, and a healthy roster of digital agencies and managed-services providers. The financing products that fit technology businesses are very different from product or retail businesses.

Pure software businesses with strong ARR and predictable churn finance growth with venture debt, revenue-based financing, or bank ARR-multiple lines once they reach $1M+ ARR. Hardware and IoT companies with inventory finance through equipment loans (production equipment), inventory lines (finished goods), and SBA 7(a) (working capital plus expansion). Services-flavored tech (agencies, MSPs, consulting) follow professional-services patterns: working capital lines against receivables.

We work with Long Beach technology companies across all three profiles. The most common mistake we see is taking expensive RBF or equity dilution when bank or SBA debt would fit, usually because the company hasn't been pre-screened against lenders who actually fund technology services or SaaS. We narrow the field to the realistic short list rather than blanket-shopping 75 lenders, most of whom won't understand the business model.