American Capital offers a variety of competitive financing options for the small business owner. We have a low credit score minimum, few industry restrictions and flexible underwriting. Whether you are seeking a high LTV (loan-to-value) real estate or business purchase loan, unrestricted working capital or want to consolidate expensive merchant cash advances into one affordable monthly payment—we have the right financing for you. Apply below to receive your same day pre-approval, no upfront credit pull is required and all business types are considered (even home based)!