American Credit^®
The bank in your pocket!

We craft specialized asset-based financing for your unique needs - equipment loans, invoice factoring, SBA loan programs, and commercial real estate. Our financing experts structure tough deals with flexible terms to propel your business forward.

American Credit Recent Fundings:

Application takes only 3 minutes.
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Commercial Truck Financing

AR Financing /Invoice Factoring /Loans for Contractors

Construction Equipment Loans

Manufacture Equipment Financing

Excavator Financing

Landscaping Equipment Financing

Transportation Equipment Loans

Commercial Auto Loans

Farming Equipment Loans

Commercial Real Estate Loans

Working Capital Loans

How American Credit works for you?

We know you want to stay focused on your business instead of burdensome applications or worrying about hidden costs. So we streamline our application process and bring the fast business loan to you. Here’s how it works:

Apply in minutes

Complete your application through our online portal, mobile app, or call us.

Pre-Qualify promptly

Your decision arrives in 48 hours or less.

Get funded fast

Once our verification process is completed, your money is available immediately.

American Credit^® Advantages

Licensed Lender

California Finance Lender Law License: 60DBO78243

AI-Fintech headquartered in Silicon Valley

AI-based Proprietary Loan Origination Platform

Asset-based Financing & SBA Loans

Affordable and Transparent

US Chamber of Commerce Member

Trust Worthy Champion of Small Businesses

Online application only takes 3 minutes

American Credit^® Asset-Based Loans starting 8.5%

Better cash flow with invoice/AR financing

We understand where your time is best spent. So our application process takes almost no time at all. See how fast we make it.

confident female business owner near factory equipment purchased with invoice financing

American Credit Equipment Financing Customer Vioce

Banks don’t understand how fleeting opportunities are. With a loan right now, we could upgrade our equipment and easily handle all the new business.

Drew Arcelay
President, South Field Construction Company

Try us now. See how we get you the money fast. Get Started

What our customers say

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American Credit: the difference you can trust

You work hard. We work hard. We share the same ethic. That’s why we go the extra mile to look at your situation and see if we can help. Unlike some business credit lenders who focus on FICO scores, we look at your business as a whole.

Feel free to contact us

photo Dr. Lei Li, CEO of American Credit, Inc., in blue suit smiling

American Credit®The bank in your pocket!