We exist because good businesses keep getting declined for the wrong reasons.
ACBM American Capital Business Management is a funding partner for operators who have revenue, contracts, and a plan — and a bank relationship that cannot see any of it. We take your file to a network of more than forty private lenders, credit funds, and crypto investment trusts, and we do the arguing on your behalf.
- $100M
- Maximum facility size
- 5 days
- Typical time to funding
- 0
- Credit score minimums
- 40+
- Private lenders in network
How we operate
The business is the borrower
We underwrite operating reality — deposits, contracts, processing volume, collateral — not a three-digit score assembled from your personal history.
Show the real cost
Every offer we present carries its true total cost of capital next to it. If a structure is expensive, you will see why before you sign anything.
No forced products
We do not require a merchant cash advance, daily bank sweeps, or a lockbox as the price of admission. If those structures fit, they compete on merit.
Speed is a service, not a fee
We do not charge you for urgency. Bridge and crypto-backed facilities are fast because of how they are secured, not because you paid extra.
Find out what you qualify for
Four minutes, no documents up front, no impact on your credit score. A funding manager reviews your file the same business day.