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Our approach sets us apart in the industry. We make quick decisions with funding possible within 24 hours, backed by dedicated funding specialists who truly understand your business. Every step of our process is transparent, with no hidden fees or obligations, ensuring you can move forward with confidence.
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Don't just take our word for it - hear directly from one of our recently funded clients! If your business could benefit from fast, flexible funding, apply today with American Capital
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We provide US Businesses access to a wide range of Non-Equity Diluting Commercial Financing. From Revenue Based capital , to SBA Guaranteed Term Loans, we are able to approve both Private and Public companies for Commercial Credit. Our clients leverage our established trusted lender network to access the best options.
There has never been a greater access to capital for American Businesses. Immediate funding options available. Powered by fast processes and real-time decisions, American Capital provides fast approvals with minimal underwriting lag.
Understanding your business’ unique capital needs drive approvals. Revenues and profitability are not determining factors of approvals. Approvals are based on recent past and reasonable foreseeable future business cash flow.
Reasons Why your Business Would Have the Need to Borrow
Our streamlined platform was developed because of specific feedback from business owners all across the United States, just like you. Over the past decade we have compiled and vetted hundreds of private and public lending institutions. Since our formation 16 years ago, American Capital is the largest national platform to link small businesses with credit facilities nationwide.
After you apply with American Capital, we start working to find a partner lender that will be interested in extending credit for your business. There are many different data points our platform uses to understand which banks will garner the best approval. For example, if a construction company is being pre-underwritten in our portal, our technology knows which banks in that state work with construction companies that make over $1 million and less than $5 million per year, with a time in business of 3 years. This pre-underwriting tells us which of our partner lenders are most likely to approve the business. So, instead of applying blindly to tons of unknown lenders, we take care of this for you.
Since there is no risk to apply, the best way to see if your business would qualify credit is by applying here. Zero fee to see options.
A common misconception currently is that there is a lack of available working capital for small businesses. This is simply not the case as there is a plethora of private lenders (and programs) that can capitalize any sized business with Revenue Based non-equity diluting debt. When dealing with banks for working capital needs, small businesses will see that a credit gap exists. This gap in available credit to small businesses has spawned a hyper growth in alternative lending programs; which offer speed and flexibility that traditional banks can’t always match. It’s never been easier for a business to get funding, with the right guidance/partner.
These debt programs are available for public and private companies. This Revenue-Based Funding provides mezzanine-like financing rates without equity kickers or restrictive covenants. In some situations; Current business assets may have already been pledged to other secured parties, and our private lenders can architect creative solutions, especially if the working capital can spark immediate growth. This is a gamechanger for businesses that need to bridge gaps in receivables or tackle capital intense projects.
As a Capital Advisory Firm, we work with all types of businesses: So the need for capital is unique to each. From local mom and pop businesses generating less than $1mill per year, to public companies. That being said the needs range from general working capital, to needing funds for capital improvements, to needing cash for acquiring other businesses. Which interestingly enough, business acquisition is a great use case especially for Revenue-Based Funding, since the ‘to-be acquired company’s’ revenues can be projected and added to increase approval size.
We often see the need for working capital is immediate, and we can satisfy this need, as quickly as a couple days-most times with expedited common-sense underwriting.
There reality is that, because there is a plethora of debt products available to small businesses: we aim to link our clients with the best debt product to meet their specific use case.
Indeed there are many options available. For example, to speak to the private small business owners: the SBA is experiencing a renaissance in helping bridge the bank credit-gap for business lending. Without the help of the SBA partially guaranteeing these bank notes, banks wouldn’t be incentivized to issue 10 year payback loans, especially if collateral is lacking.
Simply put, we work with many SBA lenders, national banks and private lenders…each lender servicing different industries and business sizes. Our clients are able to access this extensive network, introducing them to the right working capital options.The small business lending landscape is indeed complex, that’s why we receive so many calls. Oftentimes from our clients’ accountants and financial advisors, who know to trust in our ability to deliver.
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