American Credit® equipment financing

Need equipment finance or other asset-based loans? Try us now. See how we get you the money fast. Get Started

American Credit Asset based loans

Maximize working capital with
flexible asset-based loans

American Credit Business loans Flexible Terms

Flexible terms

12-72 months terms to fit your needs.

American Credit Business Loans Competitive Rates


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

American Credit Business Loans Tax Benefits

Tax benefit

IRS 179 tax benefit or bonus depreciation1.

American Credit Business Loans Transparency


Loan origination fee, monthly installments all specified clearly.

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 asset-based loans apply in minutes

Apply in minutes

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

American Credit asset-based loans get pre-approval

Get pre-approval

American Credit will review your application immediately and make a decision on the same or the next day.

American Credit asset-based loans get funded fast

Get funded fast

Once the collaterals are qualified, fund reaches client's account within 24 hours.

See our process

American Credit Business Loans Process Apply and Approved

Apply 80%-100% for a $50k purchase

American Credit Equipment Loan Process Approved


American Credit Equipment Loan Process Calendar

$40k-50k to seller lien recorded

American Credit Business Loans Process Loan Money

Loan paid off lien removed

Minimum qualifications

  • FICO 600+
  • 1+ years business tax return
  • $150,000+ annual revenue

What you need to apply

  • Your business basic information
  • Recent 6 months bank statements
  • Purchase order from equipment vendor
American Credit Equipment Financing Customer Vioce
American Credit Equipment Financing Customer Vioce 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

Need equipment finance for
your business?

Our loan application and approval process are all digital and online. We are open 24/7/365.

American Credit Equipment Financing Loan Limit High

We can help you finance up to 100% and $5,000,000 for your business.

American Credit Equipment Financing Low Rates

Low rates, 12-72 months

American Credit Equipment Financing Flexible Terms

Flexible payment terms available

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
  • Please consult with a tax professional for qualification and details.