See how American Commerce Capital works, from application to funding.
Over $1 billion funded to the companies that build, employ, manufacture, transport, serve, sell, and repair across the country.
Over one billion dollars in capital to American businesses.
Apply today, funded tomorrow. Our engine decides in seconds.
We look at how your business performs, not your personal score.
Capital sized to the business, with repayment built around your cash flow.
Apply once. Connect your business. Get reviewed. Choose your funding. Manage it in one portal.
How much capital you need, monthly revenue, time in business, and what it's for. About two minutes. No obligation.
Our underwriting engine reads your business instantly, with no credit check, and finds the repayment structure that fits your cash flow. A Capital Specialist walks you through it.
Approve the terms and the capital is in your business account, as fast as the next business day.
Applying is a request for review. Approval is never guaranteed.
Before you accept any offer from ACC, you will understand these seven things. If one is unclear, the offer isn't ready.
What your business actually receives.
Your total obligation in dollars, not only a rate.
How, how often, and how much.
How long, and what happens if revenue changes.
Every fee, named. If it isn't listed, it isn't charged.
What paying early means, in plain numbers.
A named person with a direct line.
When a business actually needs capital, the bank has no one to call and no way to say yes in time. That's not the people. It's the system. ACC was built the other way around: an answer in seconds, funding in 24 hours, and a person who picks up.
| Bank | Funding marketplace | American Commerce Capital | |
|---|---|---|---|
| Application | Heavy documentation, multiple meetings | Short form, then your file goes to many lenders | Short application, reviewed by ACC. Your information stays with us. |
| Decision | Weeks | Fast to call you, slower to fund | Seconds to decide. 24 hours to fund. |
| Underwriting | Credit and collateral first | Depends on who responds | How the business performs. No credit check. |
| Who you talk to | A banker, if you have one | Several salespeople from several companies | One Capital Specialist, by name. |
| Terms | Clear, but slow | Depends on the match | Explained line by line before you decide. |
General patterns, not statements about any specific institution. Banks are the right choice for many businesses, and we'll tell you when that's true.
The baseline. Meeting it makes you eligible to apply. It is not an approval.
$25,000 to $1,000,000, sized to your revenue.
No credit check. Our engine reads bank activity, not a score.
Registered and operating in the United States. Available in all 50 states.
Active checking account in the company's name.
Companies that manufacture, transport, construct, serve, sell, and repair. If your business has consistent revenue, we want to understand it.
They told me the total cost in dollars before I signed anything. My bank couldn't move in time. ACC funded in under a week and I made the delivery date.
One person. Same person every time. No twenty lenders calling my cell after I applied. That alone was worth it.
We needed inventory ahead of the season. The terms were explained line by line, and paying early was exactly what they said it would be.
A Capital Specialist answers questions before you apply and explains every option in plain language. No script, no hand-off.
Leads ACC's funding operations. Nearly two decades in commercial credit and small-business lending.
Reviews every file personally. Focused on how a business actually performs, not just the score.
Your first call and your last. Walks owners through every option and every line of the offer.
Anything else? Call us. No obligation to apply first.
Nine questions. No bank details, no documents, no obligation.
A Capital Specialist reviews every application personally. Applying does not guarantee approval and does not obligate you to accept funding.
Business funding became fast, but not clear. We built ACC to change that: over $1 billion funded, answers in seconds, capital in 24 hours, and a real person on the line. No credit check. No runaround.
American Commerce Capital provides commercial financing to established U.S. businesses. Products are for business purposes only and are not consumer loans. All applications are subject to review and approval; approval is not guaranteed. Amounts, costs, terms, and timelines vary and are disclosed in writing before any agreement. ACC products are commercial financing products, not consumer loans, and are structured as business capital agreements. ACC is the direct funder on every transaction. Availability may be subject to state-specific commercial financing disclosure requirements.
American Commerce Capital is a privately held company. It is not a bank and is not affiliated with, endorsed by, or backed by the U.S. Small Business Administration or any agency of the United States government.