The Alternative Lending Source
Fast, flexible business financing you can trust.
We help small and growing businesses get the funding they need — fast, simple, and tailored to your goals. Working capital, equipment, SBA loans, lines of credit and commercial real estate, guided every step of the way.
- Approvals in as soon as 2 hours
- Closings usually within 7–10 days
- Credit scores from 500+ considered
- Apply online or by phone — minimal paperwork
Financing programs
Comprehensive financing for every business need
Working Capital Loans
Cover payroll, inventory, or daily operations with fast access to funds — without disrupting your cash flow.
Get startedMerchant Cash Advances
Funding based on your revenue, with repayments tied to your daily or weekly sales.
Get startedEquipment Financing
Acquire machinery, vehicles, or technology without depleting your working capital.
Get startedSBA & Long-Term Loans
Competitive rates and structured repayment for expansion, property, or refinancing.
Get startedBusiness Lines of Credit
Draw funds as needed and pay interest only on what you use.
Get startedSecured Business Loans
Leverage equipment, property, or inventory to unlock larger amounts at better rates.
Get startedCommercial Real Estate Loans
SBA 504, conventional, bridge, construction, and multi-family financing.
Get startedWhy Encore
Your trusted partner in business financing
01
Best Rates & Fees
We offer the most competitive pricing — guaranteed.
02
Flexible Loan Programs
In-house programs plus a deep investor and lender network to fund most scenarios.
03
Robust Technology
Web-based intake, document upload, e-signatures and live status tracking.
04
On-Time Quick Closings
We close faster than banks and competitors — usually within 7–10 days.
05
Easy Application
A smart Quick & Full App that knows exactly what info and docs to ask for.
06
Dedicated Account Rep
Every borrower is VIP — one rep who always knows your loan status.
How it works
Get funded quickly and confidently
Apply in 5 minutes
Online or by phone — minimal paperwork, guided every step.
Approved in as soon as 2 hours
Our experts review fast and come back with real options.
Funded in days
Funds deposited promptly so you can move on what matters.
Industries we serve
Specialized funding for the way your industry works
Transportation & logistics
Construction & trades
…and many more. If your business earns revenue, we likely have a program for it.
Take control of your business growth today.
Apply online in five minutes or call (888) 550-9339 — a dedicated account rep will guide you to the right program.