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
Maximize working capital with
flexible asset-based loans
Flexible terms
12-72 months terms to fit your needs.
Affordable
Asset/equipment loan rate is much lower than unsecured loans.
Tax benefit
IRS 179 tax benefit or bonus depreciation1.
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
Apply in minutes
Complete your application through our mobile app, online, or call us.
Get pre-approval
American Credit will review your application immediately and make a decision on the same or the next day.
Get funded fast
Once the collaterals are qualified, fund reaches client's account within 24 hours.
See our process
Apply 80%-100% for a $50k purchase
Approved
$40k-50k to seller lien recorded
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
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
Need equipment finance for
your business?
Our loan application and approval process are all digital and online. We are open 24/7/365.
We can help you finance up to 100% and $5,000,000 for your business.
Low rates, 12-72 months
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.
Footnote
- Please consult with a tax professional for qualification and details.