
Get quick online approval even when the bank says NO!
We proudly say YES!






Approved Loans
10,000+ Business Served
24 hour funding
$2 Billion+ funds delivered
Customer Satisfaction
Customer Reviews

We support Small Businesses
We are partnered with leading lenders and investors to come up with an all around solution to small business challenge of financing. We have a cutting-edge technology to evaluate your business based on its actual performance, not personal credit.
We created a quick and easy process to borrow money. We will jump through hoops to give your business the funds it needs to grow today.


We believe in complete transparency. Whether you’re curious about our performance-based evaluation process or how fast you can get funded, we’ve gathered the most common questions from our partners right here. If you don't find what you need, our team is ready to help.
As entrepreneurs, we understand that you need enough working capital to fund the many aspects of your business. Our value is in providing the capital you need today to maintain and grow your business for tomorrow and beyond. The approval requirements for our lending programs are significantly lower compared to secured bank loans, so our funding programs are the fastest and easiest way to obtain the money you need. In addition, unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting—free of charge.
It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation!
The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.
- Minimum of three months in business.
- Minimum of $5,000 in monthly revenues.
- Your business is based in the United States or Canada.
This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least 3 months and 2) your business generates sales in excess of $4,000 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!
Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours, depending on how quickly you provide the required information, as well as the amount of funding being requested.
Usually, within 24 hours after a contract is executed and received!

Apply Online
Fast & Easy Online Application Our loan specialist will contact you Or call us at our phone number: (408) 806-2234

Review Your Options
You will have options to get funding in minutes

Get Funded!
Loans – $5,000 – $5,000,000
Receive funding in as fast as 1 day
Ready to get started?

Commercial - Purchase & Refinance
Property Types: Land, Retail, Industrial, Warehouse, Office, Multifamily, Assisted Living, House of Worship, Specialty Property
Loan Amount: Up to 65% LTV
Term: 12-60 months
Rate: 9.99% - 12.99%
Funding Fee: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None

Land Loans
Loan Amount: Up to 50% LTC
Term: 12-24 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly Interest Only
Prepayment Penalty: None

ground up construction loans
Property Types: SFR, Condo, Townhouses, 2-4 units
Loan Amount: Up to 50% LTV
Term: 12-36 months
Rate: 10.99% to 13.99%
Fees: 1-3%
Repayment: Monthly Interest Only
Prepayment Penalty: None

Fix-N-Flip Loan Programs
Fix-N-Flip 80 / 80
Property Types: SFR, Condo, Townhouses, 2-4 units
Loan Amount: 80% of Purchase Price (PP) and 80% of Construction Cost (Rehab), with a maximum of up to 70% of ARV.
Term: 6-24 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None
Fix-N-Flip 90% PP / 100% Construction Cost
Property Types: SFR, Condo, Townhouses, 2-4 units
Loan Amount: 90% of Purchase Price and 100% of Construction Cost, with a maximum of up to 70% of ARV.
Term: 6-24 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None
Fix-N-Flip 100% of Purchase Price
Property Types: SFR, Condo, Townhouses, 2-4 units
Loan Amount: 100% of Purchase Price and 100% of Construction Cost, with a maximum of up to 70% of ARV.
Term: 6-24 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None

Residential Loan Programs
Rental – Buy-N-Hold or Refinance-N-Hold
Property Types: SFR, Condo, Townhouses, 2-4 units
Loan Amount: Up to 75% LTV
Term: 12-60 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None
Bridge Loan – Residential
Property Types: Land, SFR, Condo, Townhouses, 2-4 units
Loan Amount: Up to 70% LTV
Term: 12 months
Rate: 9.99% to 12.99%
Fees: 1-3%
Repayment: Monthly - Interest Only
Prepayment Penalty: None

Residential Loan Programs
Commercial General Liability Business Types: Retail, Office, Construction, Hospitality, Warehouse
Coverage Limit: $1M Per Occurrence / $2M Aggregate
Policy Term: 12 Months
Target Premium: Starting at $500/year
Deductible: $0 - $2,500
Payment Plan: Annual or Monthly (Financing Available)
Endorsements: Additional Insured, Waiver of Subrogation
Trucking General Liability Operation Types: For-Hire Trucking, Logistics, Freight Forwarders
Coverage Limit: $1M Per Occurrence / $2M Aggregate
Policy Term: 12 Months
Target Premium: Based on Revenue or Mileage
Deductible: $500 - $1,000
Payment Plan: Monthly Installments
Included Coverages: Bodily Injury, Property Damage, Personal Injury





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get back to you within 24-48 hours or as soon as possible.
Join our network of specialized agents to provide industry-leading financing and insurance solutions to your clients.

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Location:
37200 Paseo Padre Pkwy #130
Fremont, CA 94536
Email: atmcapitalinc.com
Phone: +1 408 806 2234
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