Fast Business loan
Your Trusted U.S. Partner for Business Financing
Transparent rates, flexible repayment, and trusted support for U.S. businesses
Instant Cash Boost! Up to $1M at Lightning Speed.
Start almost anything
What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
4.95% p.a.
Comparison rate from³
5.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the business loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Business Loans Made Simple — For Every U.S. Business
Why Choose Us
At Affordable Loan USA, we understand that running a business means moving fast. That’s why we provide:
Quick approval decisions, so you won’t wait weeks to access funding.
Flexible repayment options crafted around your cash flow.
Dedicated support from loan specialists who speak plain English — no hidden fine print.
Transparent terms with no surprises, helping you plan confidently.
What You Can Use the Loan For
Use your business loan to:
Expand operations or open a new location
Purchase inventory or equipment
Fund marketing campaigns or seasonal ramp-up
Manage cash flow or cover short-term expenses
Invest in technology, hire staff or upgrade infrastructure
How the Process Works
Apply online – fill out our simple secured form in about 10 minutes.
Underwriting & verification – we check your business income, financials and credit to find the best match.
Receive your offer – we’ll present terms clearly, with APR, repayment schedule and all fees explained.
Accept and fund – once accepted, funds are typically deposited within 1–3 business days.
Repay & grow – make regular payments and focus on your business while we handle the rest.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
Who can apply for a business loan?
Any registered business in U.S. — including startups, small businesses, and established companies — can apply. We accept applications from all industries and business types.
Do you offer business loans for bad credit?
Yes. We understand that credit challenges happen. Our bad credit business loans are designed to help business owners with any credit background access the funds they need.
What loan amounts are available?
We offer business loans from $10,000 up to $1,000,000, depending on your business performance, revenue, and funding needs.
Is the application process secure?
Absolutely. We use advanced encryption and complies with Australian data protection standards to keep your information safe.
I have no idea on repayment options?
When you opt for secured or unsecured loan, the money lender will evaluate your existing finance condition and income sources to decide what amount of loan you can borrow. You can choose repayment options as per your paying ability—weekly, fortnight, or monthly.
Do I need to provide collateral or security?
We offer both secured and unsecured business loans, depending on your application and loan amount. Many small business owners choose unsecured options for faster approval.
Can I apply if I’ve been declined elsewhere?
Yes. Even if other lenders have said no, we may still be able to help. We assess every application individually and often assist borrowers who’ve been declined by traditional banks.
Do you offer fixed and variable rate options?
You can choose between fixed-rate loans (for repayment stability) or variable-rate loans (for flexibility and potential savings when rates drop).
Can startups apply for funding?
Absolutely. We support new entrepreneurs through our startup loans — helping you get the working capital you need to launch and grow your business.