Working Capital Financing

Business Loans | Fast Funding

American Credit: Empowering businesses everyday with working capital loans.

Small businesses are the engine of the American economy. Access to well-priced working capital is vital. At American Credit, we pride ourselves on providing small businesses with business term loans, lines of credit, and other custom working capital options. Many of our custom programs are unsecured , have set monthly payments and no prepayment penalty. They are designed to be as flexible as possible, meaning your funds can be used for almost any business purpose.

Applying with American Credit has no effect on your credit score and repaying your loan on time even helps your business build good credit. It is a simple, fast, and fully digital process with 48-hour funding.

See How Fast We Can Get You Funded

American Credit Business loans the Difference You can Trust

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Business Line of Credit

A business line of credit allows you to get approved for the money you need, and to only pay interest on the money you borrow. Borrow whatever you need, when you need it. A business line of credit will help cover recurring business expenses or bridge any unexpected cash flow gaps along the way. Once you pay your American Credit loan off, you can now use your open line of credit again.

Use your business line of credit to bridge any cash flow gaps, purchase inventory, repair faulty equipment, or for marketing & advertising purposes. American Credit provides access to unsecured & secured business lines of credit whenever you need it.

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Construction Worker

American Credit’s equipment-secured term loans and sale leaseback are gamechangers for growing businesses. They are a great way for companies with free and clear equipment to unlock their equity for needed working capital. Our custom programs include loans with no minimum FICO score, no financials needed , and fully amortized term loans. These programs are a great pivot from expensive short term merchant cash advances.

Geared to Your Needs and Your Business

Rates starting as low as 8.5%

Great Fixed-Interest Rates for many industries

Terms from 12 - 84 months

Flexible repayment terms. Choose what works best for your needs.

Loans from $10K - $10M

Different loan amounts for business different needs.

Fully Digital Application

Fast & simple online application. Quick approval decision.

Possible funding in just 48 hours

Once approved, your funds are immediately sent to your bank.

Apply anytime 24/7

Apply from home anytime. Never drive to a bank again.

Working Capital Loan Requirements

Minimum loan requirements to expedite approval & secure quick funding.

Working Capital

Credit Score

620+ FICO Score

Revenue

$15K+ a month / $180K a year

Time in Business

2+ years

Loan/Revenue ratio

< 30%

Working Capital

Credit Score

620+ FICO Score

Revenue

$15K+ a month / $180K a year

Time in Business

2+ years

Loan/Revenue ratio

< 30%

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

American Credit: The Difference You Can Trust

Your business is not JUST a business. It’s YOURS. It’s your livelihood. It’s your passion. American Credit completely understands this. We help business owners just like you everyday, by taking a wholistic approach to business financing. Dr. Lei Li, PhD, CFA, & CEO of American Credit, is an Economist who uses his 20+ years of industry experience to help business owners achieve their American Dream: successful business ownership.

Whatever financial situation you’re in, American Credit has your back. Apply for your business loan today!

Call Lei

Service: 650-885-8055