Credit Assessment

Get the capital your business needs to grow!

Advantage Capital Investments can provide the working capital for your business.  ACI is a licensed firm that facilitates commercial funding nationwide.  Below are General Guidelines for our working capital loan program.


Loan Amount:   $25,000 - $150,000

Interest Rates:

  • $25,000 = Prime + 4.75%

  • $25,100 - $49,900 = Prime + 3.75%

  • $50,000 - $150,000 = Prime + 2.75%

Terms: Typically 10 years repayment

​Fees: ACI fee of 1% of the loan amount paid by Applicant to ACI 

Closing Time: Generally 2-3 weeks

Borrower must meet all standard SBA eligibility requirements

Borrower must have filed at least two (2) full years of business tax returns

  • No ownership changes within the last two tax years

  • No start-ups or new businesses

Acceptable Uses of Proceeds:

  • Working Capital

  • Equipment purchases

  • Vehicle purchases

  • Debt Refinance – majority of refinance requests will be MCA or high interest term debt

    • No business or personal credit cards

    • No personal debt

  • Commercial Real Estate purchases

  • Business expansions in certain circumstances

Unacceptable Uses of Proceeds

  • Business Acquisitions

  • Partner Buyouts

  • Construction – Construction is considered any actions which requires a permit – SOME cosmetic improvement may be allowed


Guarantors must meet SBA eligibility requirements

  • All 20% or more owners must guarantee

  • Must be US Citizens or Legal Permanent Residents

  • Must be at least 18 years old

  • SBA 912 requirements will be followed



  • Borrower(s) must have an Etran score of at least 165

  • All Guarantors must have an Experian FICO score of at least 680

  • No active bankruptcies for Borrower(s) or Guarantor(s)

  • No historical business bankruptcies ever

  • Affiliate bankruptcies will be reviewed on a cases by case basis

  • No personal bankruptcies with release dates less than five years

  • No current judgments or outstanding tax liens for Borrower(s) or Guarantor(s)

Business DSCR must meet a 1:1

  • Subject business is reviewed on its own merit

  • Affiliates will be reviewed for repayment impact

Global DSCR must meet a 1:1

  • Includes all available cash from Borrower(s) and Guarantor(s)

  • Includes all debt for Borrower(s) and Guarantor(s)

If you are Interested in starting the loan process please fill out the form below.  You will be contacted shortly.


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To Calculate a Working Capital loan payment, use the calculator below.  Loan term in months is 120.

Looking to expand your business??

We also do:

100% SBA 7A loans

100% Real Estate purchase loans to $5,000,000 (Owner Occupied)

100% Real Estate construction loans to $5,000,000 (Owner Occupied)

Tenant Improvement loans