American Business Capital

Fuel America's Businesseswith Smarter Financing.

From first-round working capital to eight-figure expansion facilities we match U.S. entrepreneurs, startups and established operators with the right lender, at the right rate, on the right terms.

No impact to your credit scoreBank-grade encryptionNo obligation, ever
0+
Businesses Funded
0hrs
Fast Approval Times
$0B
Funding Available
0/5
Customer Satisfaction
Approval Engine Live
88%
Time in business Strong
Monthly revenue Strong
Credit profile Good
Pre-Approved
SBA Preferred Lender NetworkEquipment & Fleet FinancingCommercial Real EstateInvoice FactoringLines of Credit to $5MFranchise Development CapitalRestaurant & HospitalityMedical Practice FundingSBA Preferred Lender NetworkEquipment & Fleet FinancingCommercial Real EstateInvoice FactoringLines of Credit to $5MFranchise Development CapitalRestaurant & HospitalityMedical Practice Funding
By the numbers

Capital deployed. Businesses transformed.

Seventeen years of underwriting American growth across all 50 states and every industry that keeps them running.

$0B
Capital deployed
Across 48,000 American businesses since 2009.
0hrs
Median decision time
From complete application to term sheet.
0%
Approval rate
For businesses over $25k in monthly revenue.
0
States served
A nationwide lender network, one point of contact.
Business success stories

The capital was the easy part. What they built with it wasn't.

Real facilities, real outcomes, verified by the operators who signed them.

American Loan Journal
Manufacturing Equipment Financing

“We had the purchase order and nothing to build it with. American Capital structured the equipment line in nine days the second press was on the floor before the quarter closed.”

Marisol Vega
CEO, Vega Precision Toledo, OH
$2.4M Facility size
9 days Time to funding
+41% Output gain
American Loan Journal
Hospitality Working Capital Line

“Three locations, one brutal winter, and payroll due on a Friday. The line covered the gap and we opened the fourth site in June instead of never.”

Daniel Okonkwo
Founder, Harbor & Vine Charleston, SC
$750K Revolving line
31 hrs Time to funding
4 Locations open
Funding calculator

Model the payment before anyone pulls your credit.

No email, no soft pull, no sales call. Just the math.

$150,000
$10k $2000k
36 months
3 mo 84 mo
9.5%
4.0% 36.0%
Get my real numbers
Estimated monthly payment
$0
Total repayment $0
Total cost of capital $0
Interest rate (APR) 0%
Principal $0 Cost $0
  • Soft-pull pre-qualification only
  • No origination fee on term facilities
  • Decision in 24 hours

Figures are illustrative estimates only and do not constitute an offer of credit. Actual terms depend on underwriting, time in business, revenue and credit profile.

The journal

Reporting on the business of borrowing.

Long-form analysis from underwriters, not copywriters.

All coverage
Client testimonials

Rated 4.9 by the people who signed the paperwork.

Verified reviews from funded American businesses.

I've raised venture money and I've taken bank debt. This was the only process where someone actually read our numbers before quoting a rate.
$1.2M Funded
5 days To close
P
Priya Raghunathan
COO, Northline Logistics
Our bank said ninety days. American Capital had a signed term sheet in four and priced it forty basis points tighter.
$3.5M Funded
4 days To close
G
Grant Whitaker
Owner, Whitaker Construction Group
They talked us out of a merchant cash advance and into a real line of credit. That advice was worth more than the money.
$400K Line of credit
9.4% APR
E
Elena Cordova
Founder, Cordova Dental Partners

Visit the studio

600 McGill College

In the heart of downtown Montréal, one block from McGill metro. Walk-ins welcome during business hours.

Address

600 Av. McGill College
Montréal, QC H3B 4J8
Canada

Hours

Monday – Friday · 9:00 – 18:00
Saturday · 10:00 – 16:00
Sunday · Closed

Get directions