Business Lending

Explore our most flexible loan, with funds in as few as 3 days.

Low monthly payments, no prepayment penalties, and faster-than-the-bank decisions: term loans are just one of three flexible financing options covered under our simple application

Multiracial business people working together in modern office - Entrepreneurship concept

Pros of a Business Term Loan

With set monthly payments and no prepayment penalty, our Business Term Loan was designed to be as flexible as possible, meaning your funds can be used for almost any business purpose. Applying has no effect on your credit score, and repaying your loan on time even helps your business build good credit!

Cons of a Business Term Loan

You typically need moderately good credit to qualify for a Ameritech & Associates Business Term Loan. But if your credit’s less than stellar, don’t worry – we have other financing options available, including a Business Line of Credit!

Small Business Loan Form Concept

Our easy 3-step application process

With one application for three top-rate financing programs, Ameritech & Associates streamlined system makes applying quick and easy!

Are you ready to discover the right financing option for your business?

See if you qualify & apply in minutes

Our streamlined process makes it easy to discover the right financing options for your business at no cost or obligation, with no effect to your personal credit score

Your dedicated Account Manager will get in touch

Once you’ve uploaded your documents, your Account Manager will reach out directly to discuss your financing needs and funding options.

Get approved and get funded!

Once you’re approved for and accept our offer, we’ll finalize the processing of your loan and deposit the money directly into your bank account

Apply now

Start your application & secure the funds your business needs today!

SBA 7 (a) Loans

Loan amounts from $50k-$10M

Loan terms up to 10 years

Flat 6.35% interest rate*Based on WSJ prime as of 6/8/22.
Rate is prime +2.75%

Since 2010, Ameritech & Associates has helped business in over 160 industries access the capital they need. How can we help you?

Over 400 million provided to over 1,000 small businesses nationwide.

Our Services

Comprehensive Guide to SBA 7(a) Small Business Loans

Finding the right finance for your business can be a complicated and overwhelming experience. In this guide, we’ll show you the in’s and out’s of SBA 7(a) Small Business Loans, the perks of long term, low-cost, government-backed loans ranging from $500 to $5.5 million, and even helpful tips to make the application process smooth and speedy.

SBA Loan Calculator

Our SBA 7(a) Loan Calculator helps determine the amount you can borrow through the Small Business Administration.

SBA 7(a) Loan

Best used for expenses such as, inventory, working capital, equipment, and consolidating debt Loan amounts from $50k-$500k+ 10 year loan term Rate of Prime+2.75% (Currently 6%3)

Ameritech & Associates makes it fast and easy to apply

We know how diverse small businesses can be, and we will help build a unique loan solution around your needs. We work with a network of SBA Lenders to offer in–house approvals and accelerated processing giving you fast answers and even faster closings.1

Eligibility requirements

Businesses in operation for 2 years or longer. Minimum annual revenue of at least $400,000. No current federal tax liens. Minimum 650 FICO score(s)5. SBA Eligible industries


Fast, flexible funding, ready to go whenever you need it.

A revolving line of credit that puts the power in your hands.
If only everything in life was this easy.

Business couple at the stand with salesperson in the showroom

Pros of a Business Line of Credit

The biggest strength of a Business Line of Credit through Ameritech & Associates is its flexibility: with no application fee and no prepayment penalties, funds are available as you need them without having to borrow a lump sum upfront. Each draw comes with its own repayment schedule, so you’re free to draw on the credit line at any time up to the available limit, only pay interest on the funds you draw, and rest easy knowing that regular repayments may help you get approved for a line increase!

Cons of a Business Line of Credit

However, with Business Lines of Credit, you typically need good credit to qualify, and you may receive a higher interest rate than other types of business loans. There also may be certain fees included.


What fees can I expect with a business line of credit? Typically, tapping into a credit line will incur an average draw fee of 1.6%, and late payments will incur an average fee of 5% of the past-due amount if you miss a payment after taking a draw. Of course, we’ll always explain all the potential fees associated with a Line of Credit before you accept any offer of financing. Whereas other lenders may charge you fees for applying, opening an account, monthly maintenance and more, applying for financing through Funding Circle is always free and comes with no monthly maintenance fee!


Stay focused on your business’ growth Versatile, flexible and adaptable, a Business Line of Credit is designed to help you finance almost any business purpose, including: