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A Direct Lender
Built Here. For Here.

We're not a marketplace or an algorithm. Agama Financial Group is a team of business lending professionals based in South El Monte — serving the entrepreneurs who power Southern California's economy.

Business professionals in meeting
Direct
Lender — No Brokers
Our Mission

Capital Should Work
as Hard as You Do

Too many small business owners have been through the same frustrating cycle — weeks of waiting, stacks of paperwork, and a "no" from a loan officer who never understood their business in the first place.

Agama Financial Group was founded to fix that. We evaluate your business on its real-world performance — not just a credit score. We make decisions quickly because we know that opportunity doesn't wait.

As a direct lender, we control the entire process from application to funding. That means faster decisions, clearer communication, and capital that arrives when your business actually needs it.

Start Your Application
What Guides Us

Our Core Values

Transparency First

We quote what we charge. No hidden fees, no surprise costs buried in fine print. Every offer we make is complete and plain-language.

Speed as Respect

When a business needs capital, every day matters. We treat urgency seriously and structure our process around getting decisions done fast.

Community Rooted

We're from this area. We understand the San Gabriel Valley business landscape, the industries that thrive here, and the challenges local owners face.

Performance Based

We look at how your business actually performs — not just a three-digit score. Revenue, cash flow, and trajectory matter more than credit history alone.

Long-Term Relationships

Our best clients are repeat clients. As your business grows and your track record with us develops, we offer improved terms and larger funding amounts.

Responsible Lending

We structure funding for your success. If a deal doesn't make sense for your business, we'll tell you — because a bad loan is bad for everyone.

Direct Lender

Why Direct Lending
Changes Everything

When you work with a broker or marketplace platform, your application gets shopped around to multiple lenders, your data is shared widely, and you wait. The entity making the decision has never spoken with you.

At Agama Financial Group, we are the lender. We review your file, make the decision, and fund your business — all in-house. The result is a fundamentally different experience.

Factor
Agama (Direct)
Broker / Marketplace
Decision Speed
24 Hours
1–3 Weeks
Data Shared
Us Only
Multiple Lenders
Communication
Direct Team
Call Centers
Hidden Fees
None
Broker Commissions
Terms Flexibility
High
Limited
Direct business lending meeting
M
Maria S. Aguilar
Founder & Principal

Maria founded Agama Financial Group with a clear mission: provide California's small business owners with the fast, transparent capital access they deserve — without the runaround of traditional banking. With deep roots in the San Gabriel Valley business community, Maria brings a hands-on approach to every client relationship, ensuring that funding decisions are made by someone who actually understands your business.

Our Leadership

Lending Decisions Made by
People, Not Algorithms

At Agama Financial Group, every file is reviewed by an experienced lending professional — not filtered through automated underwriting systems designed to reject anyone outside a narrow band.

We built our team around the belief that the best lending decision is an informed one. That means talking to you, understanding your business context, and structuring funding that actually fits.

Based in South El Monte, our team serves clients across California with expertise in construction, retail, food service, transportation, healthcare, and professional services.

South El Monte, CA English & Spanish All Major Industries Years of Lending Experience

Let's Talk About Your Business

No pressure, no sales script. Tell us about your funding need and we'll tell you exactly what we can do.

Apply for Funding