


Simple, no-obligation process done in minutes.
Decision are quick, and NO hard credit check.
Withdraw funds immediately with your own online portal.
Repay and repeat again and again as your business grows.


We understand that every business has unique needs. That’s why US Capital offers a full range of small business loans and commercial lending options to help you stay competitive:
Working Capital Loans – Access quick funding to cover payroll, marketing, or operations.
Equipment Financing – Purchase or upgrade essential tools without cash flow strain.
Business Line of Credit – Draw funds as needed and pay interest only on what you use.
Startup Business Loans – Flexible solutions for new and growing ventures.
Hard Money & Asset-Based Lending – Ideal for real estate investors and businesses needing short-term capital.
Borrowing amounts vary depending on your business profile and the product you choose. For example, you may qualify for a business line of credit up to several hundred thousand dollars or a term loan sized to purchase equipment or financing business expansion.
Borrowing amounts vary depending on your business profile and the product you choose. For example, you may qualify for a business line of credit up to several hundred thousand dollars or a term loan sized to purchase equipment or financing business expansion.
Typically, you’ll need an active business (often at least 1 year in operation), consistent revenue (for instance $100,000+ annual revenue), a business bank account, and the ability to provide recent bank statements. Credit score minimums may be flexible depending on product.
Typically, you’ll need an active business (often at least 1 year in operation), consistent revenue (for instance $100,000+ annual revenue), a business bank account, and the ability to provide recent bank statements. Credit score minimums may be flexible depending on product.
After you submit your application online with required data, we aim to provide a decision quickly. In many cases, funds can be delivered in as little as 24 hours once approved, especially when documentation is complete and product fit is good.
Yes. We offer flexible underwriting for business owners who may not have ideal credit. Rather than relying solely on credit score, we look at overall business cash flow, bank statements, revenue trends and other indicators of performance.
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All financing offers come with terms and any associated fees clearly disclosed. Typical costs may include documentation fees, late fees, or early-payoff terms. We believe in transparent lending—so you understand total cost up front.
We have startup-friendly funding solutions designed for newer businesses. While requirements may differ (higher revenue thresholds, stronger cash flow, or co-signers), you still can access capital for growth, marketing, equipment purchase or working capital.
At US Capital, we understand timing matters when it comes to business growth. That’s why our experienced funding team is always standing by—ready to review your application, answer your questions, and help you secure the capital you need quickly and confidently. Our specialists guide you through every step of the process to ensure fast approvals, and reliable support from start to finish.


No Min. Credit Score Required
Min. 1 Year in Business
$100,000+ Annual Revenue
Basic Business Information
Business Bank Account
Or 3 to 4 Bank Statements

Hours
Monday-Saturday
6am - 7pm (PST)
Monday-Saturday
6am - 7pm (PST)
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