Secure your business's financial future today.
Grow, run, and secure your business, renovate or to move to a new office, pay taxes. Simple, Hassle-free Financing on your own terms.
Any Business. Any Size. Any Industry.
Repay Over
2 - 25 years
Business Loans from
$5, 000 - $5 Million
Interest Rates
5% - 9.25%
Hassle-free Small Business Funding
We understand the challenges small businesses face when it comes to securing the financial support needed to thrive. We've made it our mission to transform your funding experience, offering a better way to access capital, tailored to your unique needs.
We've redefined eligibility. Say farewell to the days of perfect credit scores and mountains of collateral. We look beyond the numbers to understand your business's potential. Our innovative credit scoring models take into account more than just your credit history. Let us help you qualify and get you the financing you deserve.
Swift Access to Capital. Business can't wait. Our streamlined application process is designed to put money in your hands as quickly as possible. No more weeks of waiting for approvals, extensive paperwork, or endless meetings with stuffy bankers. You need capital, and you need it now. We get it.
Affordable Financing. You deserve funding that works for your business, not against it. Unlike traditional lenders, we offer competitive interest rates and transparent fee structures. No hidden surprises. We believe in fostering your growth, not your debt.
Types of Loans that we offer
SBA Loans
Small Business Administration (SBA) loans set the standard in funding for business owners looking to expand and grow. It features a long payment term and a low interest rate.
Bank Loans
Although SBA loans are often the best option in small business funding due to their low interest rates and low monthly payments, not every business owner can qualify for an SBA loan on short notice.
Other Loan Options
We also Short-term Loans for funding options continue your expansion, and Business Line of Credit which is
similar to a business credit card, and allows an open balance up to your credit limit.
Why Choose American Capital Express?
Fast Approval
We’ll get back to you with solid loan options in 24 hours or less.
Easy Application
Our process is super quick and easy.
Best Rates
We’re loan brokers, so we’re free to shop for the best rate possible
What's the Best Type of Loan?
We'll Help You Decide.
Get approved up to $5 Million.
What Clients are saying about Us
Andrew Marino
American Capital Express was hard-working and diligent and helped my company secure an EIDL loan after being rejected by several other lenders. It took many months to get there--and Bladimir and his team were indefatigable every step of the way. I highly recommend them!
Christel Hardesty
It's been a pleasure working with Baldimir and Jorel at American Capital Express. Everything went very smoothly and successfully throughout the whole process and funds arrived. Confident that it will work that way again.
Quick, Flexible, and Transparent Funding Solutions
we're redefining the way small businesses access funding. We understand the urgency, the need for flexibility, and the desire for transparent financial solutions. Our commitment to your success is evident in the features we offer:
Quick Approval & Funding
In business, time is money. That's why we've streamlined our approval and funding process to put capital in your hands faster than ever. No more waiting weeks or dealing with endless paperwork. We get it – your business can't afford to wait, and neither should you.
Flexible Repayment Options
One size does not fit all in the business world. We offer you the freedom to choose a repayment schedule that works best for your unique situation. Whether you prefer daily, weekly, or monthly payments, we've got you covered. Plus, you can make extra payments without any penalties. Your financing, your way.
Transparent Pricing and No Hidden Fees
With us, what you see is what you get. Our terms are crystal clear, and our pricing is transparent. Say goodbye to unpleasant surprises and hidden fees that can throw your budget into disarray. We're committed to your financial wellbeing, and that means no unpleasant shocks.
Frequently Asked Questions
SBA Loans
What is an SBA Loan?
An SBA loan is a small business loan that is guaranteed in part by the U.S. Small Business Administration and typically made by a bank.
Why apply for an SBA loan? What are the advantages?
SBA loans offer longer terms, better rates, and lower monthly payments than other loans. With our process a small business can apply online and get funds in as little as 7 days.
What types of SBA loans do you offer?
We facilitate SBA 7(a) loans for equipment purchases, working capital, debt consolidation, and SBA 7(a) loans for commercial real estate purchases or refinance.
Rates
What are the loan payment terms?
Our lending partners offer SBA 7(a) working capital loans with a 10 year term. SBA 7(a) Commercial Real Estate loans come with a 25-year repayment term.
Bank loans from our lending partners have a 2 - 5 year term.
What interest rate will I pay?
SBA interest rates vary depending on the loan amount.
SBA 7(a) Commercial Real Estate Loans
7.00% to 8.25% (Loans have a fixed rate of Prime Rate plus 2.00% to 2.75% or a variable rate of 1.50% to 2.75%) for loans $500,000 - $5 million
SBA 7(a) Working Capital and Debt Consolidation / Refinance
9.25% (Prime Rate plus 3.75%) for loans $30,000 - $49,000
8.25% (Prime Rate plus 2.75%) for loans $50,000 - $350,000
Bank Term Loans
Fixed Interest Rate - 6.99% - 26.99% (based on borrower’s business credit and financial profile as well as the term of loan)
What additional costs or fees apply?
For a detailed explanation, click here.
For a quick summary of loan rates, click here.
Will I pay a deposit to cover third party closing costs?
If you are purchasing commercial real estate then a deposit will be required. However, no deposit is required for working capital loans.
How much of a down payment is needed for an SBA Commercial Real Estate loan?
For CRE loans over $500,000 a first lien on the real estate is required. Based on the appraised value, you must have at least 10% - 20% equity in the real estate for a refinance or put 10% - 20% down for a purchase of the real estate. If you qualify for the rent replacement option with minimal down payment, your loan payment cannot exceed the current monthly lease expense.
Loan Eligibility
What are the main requirements?
Businesses that qualify for an SBA loan from a SmartBiz marketplace bank typically have more than $100,000 in annual revenue. Most of our businesses are profitable and cash flow positive. All are able to show that they can afford to make our monthly loan payments.
SBA 7(a) Working Capital or Debt Consolidation Loans from $30,000 to $350,000
Minimum 2 years in business
U.S. based business owned by US citizen or Lawful Permanent Resident who is at least 21 years old
Good personal credit score of 640 or higher
No outstanding tax liensNo bankruptcies & foreclosures in the past 3 years
No recent charge-offs or settlements
Current on government-related loans
SBA 7(a) Commercial Real Estate Loans from $500,000 to $5 million
The real estate must be majority owner-occupied. This means that at least 51% of the square footage of the property you’re buying must be occupied by and used by your business.
Time in Business: 2+ Years
Business owners must have personal credit scores above 660
Cash Flow: Sufficient business and personal cash flow to service all debt payments demonstrated by 3 years of tax returns and interim financial data
SBA Specific Requirements: No delinquencies and/or default on government loans
Must I personally guarantee the loan?
All business owners who own 20% or more of the business must provide a personal guarantee. Married couples who collectively own 20% or more of the business when their shares are combined, must both provide a personal guarantee.
What industries are eligible for an SBA loan?
Nearly every industry is eligible. The few that are NOT eligible are:
Mining
Bail Bond
Gambling
Life Insurance
Oil Wildcatting
Religious Teaching
Mortgage Servicing
Pawn or Private Clubs
Real Estate Development
Primarily Political and Lobbying Activities
How can I use the funds?
Funds can be used for:
Working Capital
Debt Refinancing
Commercial Real Estate
Hiring Employees
Purchasing Equipment
Marketing Programs
Expanding your Business
Inventory/Operational Expenses
SBA loan funds can be used in different ways depending on how much is borrowed. For a detailed explanation, click here.
Can I get an SBA loan if banks have refused to lend to me?
Yes, we have helped many small business owners in this situation to obtain an SBA loan.
What if you can't qualify me for an SBA loan?
In such cases we may be able to get you qualified for a bank term loan. We'll work with you to get the best financing possible given your situation. We can also work with you to repair your credit so you will be more likely to qualify for an SBA loan.
Is it possible to get more than one SBA loan?
Yes, as your business grows you may need additional capital. Contact us for details.
Can you explain the SBA E-Tran Score?
This is a proprietary system the SBA provides to lenders to determin if the SBA will allow them to lend with SBA backing. We can work with you to help you improve your E-Tran Score if needed.
Loan Process
Will applying for a loan impact my credit score?
To determine if you are pre-qualified we analyze a soft pull of your credit report, which does not impact your credit score.
When your application progress to the funding stage, at which point you have been matched with a lender who is likely to approve your loan, then the lender will perform a hard pull, which is classified as an inquiry on your credit report.
What business information will you need from me?
Generally we will need:
2 years of personal and business taxes and bank statements
Current year income statement and balance sheet
Current outstanding debt / loan information
How much collateral do I need?
Bank term loans require a lien on assets, and there is no minimum requirement on the value of such assets.
How does the signing process work?
You can e-sign your closing documents to save time.
When will I get my funds?
Upon proper completion of the application you will typically receive funds in as little as 3-7 days.
Don't wait any longer. Secure your business's financial future today.
