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Quick Access To Business Funding
Business Funding from $10,000 to $2,500,000
Same-day decisions*
Funding in as few as 2 business days*
Flexible repayment options

Fund Your Business Fast

If you've got plans to grow your business, Americap Direct is here to help. Our fast and flexible business funding products are designed exclusively for busy business owners. As one of the leading "out of the box" funding source, and with an extensive history of providing business funding, we're a partner you can count on to help achieve your goals. All business line products are funded with our third party business loan partners. Our partners provides competitive rates for all products.

Imagine The Possibilites With Business Funding From Americap Direct.

Not only are our business funding products fast and simple; they're flexible too. The money you receive from Torro Funding can be used for almost any business expense. Including:
Cash flow
Purchasing inventory
Expansion or renovations
Equipment upgrades
Marketing advertising, and more
Get Funds Fast. Grow Your Business.
Funding From Direct funders
Time in Business:  3 Months  
Approval: Time  Same Day  
Access to Capital: As Few As 2 Business Days  
Credit Requirement:  Bad Credit OK  
Industries:  Most Types  
Repayment : Flexible Options  

Business Line of credit      Inventory & Equipment loan  
     Invoice factoring                  Merchant cash advance
    ​      SBA Loans                              Working capital loan  

Business line of credit
Invoice factoring
Equipment loan
Manage cash flow and address periodic short-term working capital needs with our business line of credit.
Provides working capital flexibility for operational needs including purchasing short term assets such as inventory or managing cash flow during cyclical or seasonal periods
One easy, 15 minute application
No fees or obligations 
A vast array of options 
Interested lenders shown in real time
Best-in-class funding managers to walk you through the entire process apply now
Invoice financing or factoring allows business owners to use it’s receivables as collateral in a financing agreement.
No paperwork, no contracts, and no hidden fees. Get control of your cash flow with an advance in as little as 24 hours
Loan Amount: Up to 90% of A/R
Factor Rates As Low As 5%
Funds in as little as 48 Hrs
Get Equipment to grow your Business Today
Same Day Approval, Next Day Funding
NO Collateral Requirements
Get $5K - $600K for Any Business Need
Lowest Rates Guaranteed
We offer short term loans ranging from $5,000 - $600,000 that can cover a number of needs like renovations, inventory, storage, or perhaps new equipment to give your company the edge it needs.
WHAT IS AN UNSECURED LOAN?

An unsecured loan, sometimes referred to as a signature loan or a merchant loan, is a special type of financing available to business that is different from traditional lending. Instead of requiring collateral to obtain financing, unsecured lending uses several other factors to judge the eligibility of a loan applicant. These could include things such as your credit score and sales records from the business. This type of financing may be advisable for small business owners who do not want to risk their personal collateral in order to obtain the financing they need. Since the loan requirements differ from traditional bank loans, the interest rates and speed of approval can be much different. Oftentimes these merchant loans are reviewed and approved in a very short time frame, making them ideal for anyone who is in need of immediate capital.
Sports  and entertainment contract  loans
SBA Loans & working capital
Working capital loan
Up to $5 million in 48 hours
Our Investor offers customized, contract based, lending solutions to professional entertainer, and athletes with signed player contracts in the NFL, MLB, NBA, NHL, and MLS. Sure Sports provides loans to professional athletes based primarily off their current and future income, or contracts. Our loans are primarily unsecured, however, we provide mortgages, and auto loans. We have been successful at originating unsecured loans generally between 4% – 8% for players with limited credit and assets.
Term Loans up to $500,000
Purpose: Working capital, refinance, business acquisition, R/E purchase/construction, purchase equipment or inventory
Loan Amounts: $350,001 to $5,000,000
Collateral: Commercial R/E, inventory, FF&E (furniture, fixtures, and equipment)
Term: Varies, up to 25 years
Rate: Fixed or variable rate
Eligibility: Owner-operated and for-profit
LTV: Varies, up to 90%

Working capital is critical to the growth and success of any business. Managing finances is a constant battle in the business world. As a business grows, it is necessary that the cash flow expands with it in order to succeed. apply direct with our direct SBA Source. apply online
A working capital loan aka: merchant cash advance, also known as a business cash advance, is financing based on your future credit card receivables. This type of merchant financing is repaid on a daily basis as a percentage of your credit card sales. Therefore, if your sales are high, your advance is paid off faster and if sales are lower, your payment is lower.
A merchant cash advance can help with:
Inventory purchases
Equipment needs
Marketing opportunities
Short-term capital needs
And more!
                        SBA 504 LOANS

Purpose: R/E purchase/construction, purchase long-term machinery or equipment
Loan Amounts: Up to $10,000,000
Collateral: Commercial R/E, equipment, machinery
Term: Varies, up to 25 years
Rate: Fixed or variable rate
Eligibility: Owner-operated and for-profit
No c-stores, gas stations, or hospitality
LTV: Varies, up to 90%
                      ASSET BASE LOANS​​

Purpose: Working capital for A/R (Accounts Receivable) and inventory, refinance existing credit line or high cost factoring line
Loan Amounts: $250,000 to $5,000,000
Collateral: Accounts receivable and inventory
Term: 12 months to 10 years
Rate: Variable rate
Eligibility: Must have commercial A/R
LTV: Up to 80% A/R
Up to 50% Inventory
PO's 100% of COGS
SBA Application
quick approval
SBA Application
quick approval
SBA Application
quick approval
SBA Programs

SBA 504 LOAN PROGRAM

For smarter Commercial Financing of:
• Real Estate
• Buildings
• Mix use properties
• Machinery
• Equipment
• Down Payment as low as 10%
• Refinancing of existing property
• Below market fixed rates
• Long term financing 10-20 years


SBA MICRO LOAN PROGRAM

We will help you throught the application process to start or grow your small business providing financing for:
• Inventory
• Equipment
• Marketing
• Working capital
• Up to $50,000
• Fixed rate starting at
8%
• 5 year terms
• One on one business
mentoring through the l
ife of the loan









504 SBA Loan Fixed Assets Financing
Coastal Commercial and Regional Business Assistance Corporation - RBAC


What is the SBA 504 Loan?
The SBA 504 Loan provides fixed rate financing to small business at below market interest rate to purchase commercial real estate, machinery, and equipment or for construction and renovation of commercial real estate.
How Does It Work?
Typically:
• Bank (or private lender) finances 50% of the total project
• SBA through the CDC (RBAC) finances 40% of the total project
• Borrower contributes with 10% of the total project
(15% for start-up or single use building)
Advantages of the 504 Loan?
1. Lower than market, fixed rate for 10 to 20 years on the CDC portion of loan
2. Low down payment (as low as 10%)
3. Favorable bank rates - the 504 structure normally reduces risk for the bank
Who Qualifies for a 504?
• Business must have a net worth of less than $15 million
• Business must have profits after taxes of less than $5 million
• Must use the finances for a project located in the U.S.
• Business must be for profit and must occupty the real estate asset financed
• Must meet an economic development objective
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