Your quick and simple equipment loans and invoice/AR financing

Looking for equipment, invoice, or asset-based financing? Try us now. See our fast, simple, fully digital process. Get Started

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American Credit Business Loans

Geared to your needs and
your business

American Credit business loans flexible terms

Flexible terms

12-72 months terms to fit your needs.

American Credit business loans affordable


Asset/equipment loan rate is much lower than unsecured loans.

American Credit business loans tax benefit

Tax benefit

IRS 179 tax benefit or bonus depreciation1.

American Credit business loans transparency


Loan origination fee, monthly installments all specified clearly.

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Maximize your profitability with flexible equipment financing and asset-based loans

American Credit® Asset-Based Loans starting 4.5%

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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.

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confident female business owner near factory equipment purchased with invoice financing
American Credit Equipment Financing Customer Vioce
American Credit customer voice quote

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

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 do the heavy lifting and bring the fast business loan to you. Here’s how it works:

American Credit business loan apply in minutes

Apply in minutes

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

American Credit business loan pre-qualify promptly

Pre-Qualify promptly

Your decision arrives in 48 hours or less.

American Credit business loan get funded fast

Get funded fast

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

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.

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

What our customers say

American Credit google review Mike Reinhart
American Credit google review Tony Williams
American Credit google review Micheal Williams
  • Please consult with a tax professional for qualification and details.