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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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:

American Credit business loan apply in minutes


Apply in minutes

Complete your application through our online portal, mobile app, 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® Advantages

American Credit Licensed Lender

Licensed Lender


California Finance Lender Law License: 60DBO78243


American Credit Fintech based in Silicon Valle

AI-Fintech headquartered in Silicon Valley


AI-based Proprietary Loan Origination Platform


American Credit SBA Loans

Asset-based Financing & SBA Loans


Affordable and Transparent


American Credit US Chamber of Commerce Member

US Chamber of Commerce Member


Trust Worthy Champion of Small Businesses


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

American Credit® Asset-Based Loans starting 8.5%


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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

What our customers say

American Credit google review Micah Cohen
American Credit google review Mike Reinhart
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American Credit google review Bruce Bowlin

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