American Credit® SBA Loans

Whether you're starting something new, expanding your operations, or managing cash flow, SBA loans bring huge benefits to push your business forward. Get Started

American Credit SBA Loans

Why Choose SBA Loans

American Credit SBA Loans Favorable Terms

Favorable Terms

Lower rate, longer repayment, larger loan amount

American Credit SBA Loans Government Backing

Government Backing

Minimize lender risk while enhancing approval prospects

American Credit SBA Loans Flexible Use of Funds

Flexible Use of Funds

Working capital, equipment, real estate and more

American Credit SBA Loans Targeted Support

Targeted Support

Financing, assistance, and guidance

American Credit SBA Loan Program Advantages

American Credit SBA loans multi-lender ecosystem

Multi-Lender Ecosystem

21 lenders + our own portfolio to tackle tougher deals

American Credit SBA loans full suite of sba programs

Full Suite of SBA Programs

7(a) loans; Express loans; 504 loans; Microloans; Disaster loans; Export loans

American Credit SBA loans expert guidance

Expert Guidance

Valuable assistance and mentoring to borrowers, boosting the chance of approval and empowering business success

How SBA loans work


Determine Eligibility


Find SBA Lender


Prep Docs


Submit application


Loan underwriting


Receive Funding


Repay loan


  • Business size
  • Industry type
  • Credit score
  • Financial history
  • Collateral
  • Personal guarantee

Document Requirements

  • Business Financial Statements
  • Personal Financial Statements (owners)
  • Business tax returns (pass 3 years)
  • Business plan
  • Collateral documentation
  • May need additional supporting documents

SBA loan uses:

  • - Startup costs
  • - Working capital
  • - Equipment purchase
  • - Real estate
  • - Debt refinancing
  • - Business Expansion
  • - Inventory Financing
  • - Debt consolidation
  • - Marketing and advertising
  • - Business or Franchise Expansion

American Credit: The SBA experts you can bank on.

How to Get Started:
Ready to take the next step toward securing an SBA loan for your small business? Getting started is easier than you think! Go to apply now!

American Credit Business loans the Difference You can Trust