Nationwide Full-Service Financing Specialists

GET YOUR
BUSINESS
FUNDED.
TODAY.

Business loans, real estate financing, SBA loans & more.
No runaround. No long waits. No BS.

24HR
Approval time
$2M
Max funding
500+
Businesses funded
No hard credit pull
Business & real estate loans
Bad credit OK
$180M+
Total funded to
U.S. businesses
24HR
Average time
to approval
500+
Businesses
funded
4.9★
Google
rating
Everything We Offer
Every Type of Financing,
Under One Roof

Not sure what you need? That's completely normal — most people only know one or two loan types. Browse everything we offer below. We'll match you with the best option for your situation, free of charge.

Merchant Cash Advance (MCA)
Best for: businesses with steady card sales who need capital fast, even with bad credit.
📅
Term Loans
Best for: businesses wanting predictable fixed monthly payments over 1–10 years.
💵
Working Capital / Cash Flow Loans
Best for: covering day-to-day expenses like payroll, inventory, or a slow season.
🔄
Business Line of Credit
Best for: businesses that need flexible access to funds on an ongoing basis — draw only what you use.
💳
Business Line of Credit & Credit Cards
Best for: strong-credit owners (700+, or with a qualified cosigner) who want higher limits — up to $250K in credit lines and $50K in business credit cards.
🏛️
SBA 7(a) Loan
Best for: established businesses wanting low interest rates and long repayment terms (up to 25 years).
🏗️
SBA 504 Loan
Best for: buying commercial real estate or heavy equipment with below-market fixed rates.
🏢
Conventional / Commercial Mortgage
Best for: purchasing or refinancing commercial property, storefronts, offices, or investment buildings.
🏠
HELOC (Home Equity Line of Credit)
Best for: homeowners or property owners who want to tap equity for renovations, investments, or business capital.
🔨
Hard Money Loans
Best for: real estate investors who need fast funding and don't want credit-heavy underwriting — property value matters most.
🧱
Construction Loans
Best for: builders and developers funding ground-up construction or major renovation projects.
🌉
Bridge Loans
Best for: buyers who need to close on a new property before their existing one sells or long-term financing is secured.
🗂️
Blanket Loans
Best for: real estate investors with multiple properties who want to consolidate them under one single loan.
🏰
Jumbo Loans
Best for: buyers financing high-value residential or commercial properties above conventional loan limits ($726K+).
📈
Credit Repair
Best for: anyone with a low credit score who wants to qualify for better rates, higher amounts, or a loan they were previously denied.

Not sure which fits your situation? Tell us your goal and we'll figure it out together — no commitment required.

Get Funded in 3 Simple Steps
01
Apply Online (2 min)
Fill out our short form above. No hard credit pull, no long applications. Just the basics so we can find you the best offer.
02
Get Your Offer (24hr)
We'll review your application and present you with funding options. We work with 50+ lenders to find you the best rate and terms.
03
Money in Your Account
Once approved, funds are deposited directly to your business bank account — often the same day or next business day.
Qualifications
Do You Qualify?
At least 6 months in business
All industries and business types welcome
$10,000+ monthly revenue
We look at cash flow, not just credit score
US-based business bank account
Funds deposited directly to your account
Bad credit is OK
We have programs for all credit profiles, including 500+
No collateral required
Unsecured funding — no assets put at risk
Any use of funds
Payroll, inventory, equipment, expansion — your call
We don't fund start ups or new businesses.
Financing Solutions For Every Need
Business Financing
Fixed Payments
Term Loans
$25K – $5M
Predictable monthly payments over a set term. Ideal for major purchases, expansion, or refinancing existing debt.
Approval time1–3 weeks
Term1–10 years
Credit600+ preferred
Cash Flow
Working Capital Loans
$10K – $500K
Keep operations running smoothly. Cover payroll, inventory, and day-to-day expenses with fast, flexible capital.
Approval time24–72 hours
Term3–18 months
Credit550+ OK
Business Line
Business Line of Credit
$25K – $500K
Draw what you need, when you need it. Only pay interest on what you use. Great for managing cash flow gaps.
Approval time48–72 hours
RevolvingYes
Credit600+ preferred
High Credit Tier
Business Line of Credit & Credit Cards
Up to $250K / $50K
For strong-credit owners: revolving lines of credit up to $250K plus business credit cards up to $50K. Owner needs 700+ credit, or a cosigner who has it.
Line of creditUp to $250K
Credit cardsUp to $50K
Credit700+ (owner or cosigner)
Government Backed
SBA 7(a) Loan
Up to $5M
The most common SBA loan. Low rates and long terms for working capital, equipment, real estate, and debt refinancing.
Approval time2–8 weeks
TermUp to 25 years
RatePrime + 2.75%
Government Backed
SBA 504 Loan
Up to $5.5M
Designed for major fixed assets — commercial real estate and heavy equipment — with below-market fixed interest rates.
Approval time4–8 weeks
Term10–25 years
UseReal estate / Equipment
Real Estate & Property
Commercial
Conventional / Commercial Mortgage
$100K – $10M+
Purchase or refinance commercial and investment properties with competitive long-term fixed or adjustable rates.
Term5–30 years
LTVUp to 80%
Approval time2–4 weeks
Home Equity
HELOC
$25K – $500K
Tap into your home or commercial property equity with a revolving credit line. Use it for renovations, business capital, or investments.
Draw periodUp to 10 years
LTVUp to 85%
Approval time1–3 weeks
Asset-Based
Hard Money Loans
$50K – $5M
Fast, asset-based lending for real estate investors. Credit is less of a factor — the property value drives the deal.
Approval time1–2 weeks
Term6–36 months
LTVUp to 70%
Development
Construction Loans
$100K – $10M+
Ground-up construction or major renovation financing. Funds disbursed in stages as your project progresses.
Build period6–24 months
LTVUp to 75%
Approval time2–4 weeks
Short-Term
Bridge Loans
$100K – $5M+
Close quickly on a new property while waiting for long-term financing or the sale of another asset. Fast and flexible.
Term6–24 months
Approval time1–2 weeks
LTVUp to 75%
Portfolio
Blanket Loans
$500K – $10M+
Finance multiple properties under a single loan. Ideal for real estate investors looking to streamline their portfolio management.
Properties2+ properties
Term5–30 years
Approval time2–4 weeks
High-Value
Jumbo Loans
$726K+
For high-value residential and commercial properties that exceed conventional conforming loan limits. Residential or investment.
Credit700+ preferred
LTVUp to 80%
Approval time2–4 weeks
Credit Services
Client Results
Real Businesses. Real Funding.
★★★★★
"I needed $85K fast for a catering contract. AmeriKa Capital Group had the money in my account in 2 days. Absolute lifesaver."
MR
Miguel R.
Miami Catering Co.
★★★★★
"My credit wasn't great but they still got me $50K to expand my second location. Couldn't have done it without them."
AC
Ana C.
Coral Gables Salon
★★★★★
"The team at AmeriKa Capital Group is responsive and professional. Got $200K for fleet expansion, process was smooth start to finish."
JD
James D.
South Florida Logistics
★★★★★
"I didn't even know I had that much money out there waiting on me. AmeriKa Capital Group found it, handled everything, and never asked me for a dime upfront. $250,000 later — easy, fast, and honest the whole way through."
DK
Denise K.
Excess Funds Client
Excess Funds Recovery

This isn't a loan product — it's money that may already belong to you, sitting unclaimed. Separate from our financing services, we help individuals track down and recover excess (surplus) funds tied to their property.

When a property is sold at a tax sale or foreclosure auction for more than what was actually owed on it, the leftover amount — the surplus — doesn't just disappear. It's typically held by the county treasury or a court registry, and the former owner is often the one entitled to claim it. Most people never find out this money is sitting there waiting on them.

Rules, deadlines, and eligibility vary significantly by state and county — this is general information, not legal advice, and every situation is different. We're building out state-specific resources and paperwork to make claiming easier. For now, reach out and we'll help point you in the right direction, at no upfront cost to you.

This may apply to you if —
Your property was sold at a tax deed or tax lien sale
Your property went through a mortgage foreclosure auction
The sale price was more than what you actually owed
You never received a notice or follow-up about leftover funds
Not sure if this applies to your situation? Reach out — a quick conversation is the easiest way to find out.
YOUR BUSINESS
CAN'T WAIT.

MCA, mortgages, SBA, credit lines, hard money, credit repair & more. Apply free in 2 minutes.

Get Funded Today →