Commercial & Small Business
CRE Loans SBA 7(a) Loans Term Loans Equipment Loans Equipment Loans Lines of Credit Fast Capital

American Business Capital matches businesses with traditional and alternative lending to secure Commercial Real Estate Loans, SBA 7(a) Loans, Term Loans, Equipment Loans, Business Lines of Credit, and Fast Capital.

75+ Lender Marketplace Network

Century-Old Banking Partner

$1K to $5M Funding Sizes

$3.6B Direct Portfolio Access

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No initial credit score impact to review your small business financing options.

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Explore Our Financing Programs

Select any asset option below to view core highlights, qualifying parameters, or secure your funding track.

🏢 Real Estate Financing Matrix

Amount: $50,000 to $1 Million Credit Target: 690 Credit Minimum Timeline: Close as Fast as 2 Weeks

Access no and low-documentation commercial real estate loans up to $1 million, nationwide. Up to $500,000 this is an application-only program and no bank statements, tax returns, or financials are required (a few additional items are required over $500,000).

Program Highlights

✓No property occupancy, cash-flow, or debt-service minimums enforced
✓Unrestricted cash-out availability up to a 50% Maximum LTV
✓Property can be held flexibly in a corporate entity or personally
✓Accepts raw land, rural property, rental units, & houses of worship

What You Need to Qualify

📋690 minimum credit score history required
📋50% maximum overall Loan-To-Value (LTV) limit
📋No income documentation requirements under $500,000 thresholds
📋Valid for U.S. citizens, legal permanent residents, non-profits, or ITIN holders

🏛️ Preferred SBA 7(a) & ITL Financing

Amount: $150,000 to $5 Million Credit Target: 680 Credit Minimum Timeline: Streamlined Underwriting

Access preferred SBA 7(a) financing for specialized needs such as to purchase or start a business, or tap into SBA International Trade Loan (ITL) financing for enhanced benefits under the 'Grocery Guarantee' and 'Made in America' programs.

Program Highlights

✓Supports America's food supply chain and small manufacturing growth
✓Creative and flexible solutions when other standard lenders decline
✓Comfortable monthly loan payments with up to 25-year terms
✓Flexible options available with zero prepayment penalty terms

What You Need to Qualify

📋680 minimum credit baseline verification
📋Loans are cash-flow based and require full financial documentation
📋Personal and business tax returns must be provided complete
📋Startup financing is fully considered nationwide across most industries

📈 Business Term Loans

Amount: $20,000 to $500,000 Credit Target: 660 Credit Minimum Timeline: Quick Closings Available

An affordable business term loan with monthly payments (not SBA financing) that is fixed-rate, long-term, low documentation, and closes quickly.

Program Highlights

✓Interest rates remain entirely fixed for 12 years
✓No hard collateral backing required to obtain funding approval
✓Use for working capital, debt consolidation, equipment, inventory, or expansion
✓Streamlined underwriting framework built across most industries

What You Need to Qualify

📋660 minimum credit profile criteria
📋Minimum of 2+ years of verified time in business
📋$20,000 minimum monthly revenue threshold required
📋Loans based on income and credit history (bank statements & recent tax returns may be required)

⚙️ Commercial Equipment Financing

Amount: $30,000 to $5 Million Credit Target: No Set Credit Score Min. Timeline: Approvals in Hours / Same-Day Funding

Access the nation's top equipment lenders and tech-powered equipment financing marketplace. Use financing to purchase NEW and USED equipment direct from a dealer or vendor, or even from a private party.

Program Highlights

✓Tailored equipment financing structures across most industries
✓Financing rates start directly from a baseline of 8.5%
✓Purchase NEW and USED equipment with up to 84-month terms
✓0% down on purchases and custom payment choices available

What You Need to Qualify

📋No set minimum credit score threshold enforced
📋Application-only financing paths available up to $350,000 limits
📋Dealer and private party transactions are fully eligible for coverage
📋Most industrial setups and asset configurations considered valid

🔄 Revolving Business Credit Lines

Amount: $1,000 to $500,000+ Credit Target: No Credit Score Minimum Timeline: Same-Day Funding Available

Have access to capital when you need it. A revolving business credit line operates like a credit card, usually offering a higher credit limit and lower interest rate, and you pay interest and fees solely on the funds you utilize.

Program Highlights

✓Pay off your active balance at any time with no prepayment penalties
✓Repeatedly draw funds for expansion, emergencies, or unforeseen business expenses
✓App-based credit lines are cash-flow based with flexible up to 36-month terms
✓In most cases, formal tax returns are not required to secure a line

What You Need to Qualify

📋No minimum credit score baseline checked
📋Minimum of 6+ months verified active time in business
📋$14,000+ minimum monthly revenue parameter target
📋No collateral required to authorize nationwide funding channels

⚡ Fast Capital Working Lines

Amount: $1,000 to $500,000+ Credit Target: No Credit Score Minimum Timeline: Approvals in Hours / Same-Day Funding

Access expedited and automated small business working capital loans and merchant cash advances. One streamlined application enables eligible borrowers to compare multiple concurrent financing offers—and funds can be used for any business purpose.

Program Highlights

✓Customized payment choices with daily, weekly, and monthly terms
✓Financing approvals ready in only a few hours with same-day wires
✓We can explicitly consider borrowers turned down by other standard lenders
✓Completely unsecured structure with zero hard collateral required

What You Need to Qualify

📋No minimum credit score framework enforced
📋Minimum of 6+ months verified active time in business
📋$14,000+ minimum monthly revenue parameter target
📋Streamlined underwriting nationwide across most industries considered

Recent Successes Across Our Network

Hover over any transaction card below to pause the stream and analyze live deal variables across our core funding marketplace tracks.

Travel Services Agency
$7,000
Fast Capital Working Line. Revenue-based working capital for operational cash flow support.
🔒 Network Funded
Commercial Roofing Co.
$30,000
Business Line of Credit (LOC). Flexible credit access for materials and project mobilization.
🔒 Network Funded
Corporate Services LLC
$5,000
Fast Capital Working Line. Streamlined cash flow injection for rapid operational management.
🔒 Network Funded
Debris Removal Utility
$8,500
Fast Capital Working Line. Unsecured commercial financing for scaling and dispatch needs.
🔒 Network Funded
AI Data Center Land
$285,000
“No Doc” Small CRE Purchase Loan. 5-Year Term / 25-Year Amortization at 9.25%.
🔒 Network Funded
Trampoline Park Asset
$3,750,000
Startup / Construction Loan. 25-Year Term / Amortization at 9.75% Interest.
🔒 Network Funded
Commercial Office Building
$5,100,000
Short-Term Purchase Loan. 12-Month Term / Interest Only at 12% Interest.
🔒 Network Funded
Raw Land Asset
$270,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 9.25%.
🔒 Network Funded
Landscape Design Co.
$350,000
MCA Consolidation Term Loan. 10-Year Term / Amortization at 17.78% Fixed Interest.
🔒 Network Funded
Retail Grocery Store
$285,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 8.25%.
🔒 Network Funded
Home Renovation Co.
$415,000
Revolving Credit Line. 14-Month Term with a rapid 10-Day Closing window at 2.60% Monthly.
🔒 Network Funded
Automotive Dealership
$2,000,000
SBA 7(a) Business Purchase Loan. 25-Year Term / Amortization at 10.25% Interest.
🔒 Network Funded
20-Acre Rural Farm Land
$500,000
“No Doc” Small CRE Refinance. 5-Year Term / 25-Year Amortization at 8.25%.
🔒 Network Funded
Investor Single Family
$200,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 8.5%.
🔒 Network Funded
Antique Specialty Shop
$416,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 8.5%.
🔒 Network Funded
12-Unit Multifamily Complex
$315,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 8.5%.
🔒 Network Funded
Healthcare Company
$275,000
Working Capital Term Loan. 7-Year Term & Amortization at 16.99% Fixed Interest.
🔒 Network Funded
Vacation Rental Portfolio
$150,000
SBA 7(a) Construction Loan. 14-Year Term / Zero Prepayment Penalties at Prime + 2.25%.
🔒 Network Funded
Manufacturing Facility
$500,000
“No Doc” Small CRE Cash-Out Refi. 5-Year Term / 25-Year Amortization at 8.5%.
🔒 Network Funded

About Us

American Business Capital was founded in December 2020 by Ryan Lavender. We are a Service-Disabled Veteran-Owned Small Business and a proud recipient of the HIRE Vets Medallion Award from the U.S. Department of Labor.

As an independent commercial loan broker, our goal is simple: to connect business owners directly with honest, vetted alternative lenders nationwide. We look out for our clients by matching them with straightforward funding—including commercial real estate loans, SBA 7(a) programs, business term loans, equipment financing, and lines of credit.

Read Our Full Story ➔