Property loans can close in as little as 10 business days. Term loans, conventional loans, lines of credit, and SBA loans typically take 4 to 6 weeks, depending on how quickly financials are provided for underwriting. We also offer faster programs that can fund the same day.

Working capital and short-term options can fund in 1 to 3 business days. Property loans may close in as little as 10 business days depending on the deal. Longer-term options such as conventional loans, SBA loans, and certain lines of credit require additional underwriting and may take 4-6 weeks to complete.

No. We work with a wide range of credit profiles. Strong credit may help you secure better terms, but we also fund businesses based on revenue, cash flow, collateral strength, and overall financial performance.

Most programs require a short application and 3 to 6 months of business bank statements. Property loans may require mortgage statements, rent rolls, leases, tax returns, or valuation reports. Term loans, SBA loans, and lines of credit typically require full financials to speed up underwriting.

Yes. We provide refinancing for business loans and property loans, including 1st and 2nd position mortgages. Clients often refinance to access equity, consolidate debt, lower payments, or secure longer-term financing.

We fund businesses across nearly every industry. This includes construction, transportation, medical, retail, trucking, real estate investment, hospitality, and professional services. As long as your business generates revenue, we can typically help.

No. US America Capital does not charge hidden fees. All terms, costs, and conditions are disclosed upfront. Some property or specialty loans may involve third-party reports or closing costs, but nothing is added without your knowledge or approval.