The Alternative Lending Source
Fast, Flexible Business Financing & Alternative Lending
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
- We can fund in many cases the same business day
- Credit scores from 500+ considered
- Apply online or by phone — minimal paperwork
Who we are
Your Trusted Alternative Lending Source
At Encore Commercial Capital Corporation, we understand that traditional bank loans do not always align with the fast-paced needs of modern businesses. As a premier alternative lending source, we are dedicated to providing fast, flexible business financing tailored to your specific industry and goals. Whether you are looking to expand your operations, purchase new inventory, or bridge a temporary cash flow gap, our comprehensive suite of funding solutions ensures you have the capital you need, exactly when you need it.
Time is money, which is why our streamlined application and underwriting process allows for funding approvals in as soon as 2 hours. We focus on your business’s potential and performance, rather than just a credit score, making us the ideal financial partner for companies seeking reliable commercial capital in today’s competitive market.
Financing programs
Comprehensive Commercial Capital Services
We offer a diverse range of financial products designed to meet the unique challenges of your business. Explore our core financing options below to see how we can fuel your growth:
Working Capital Loans
Maintain your day-to-day operations without interruption. Our working capital loans provide the immediate liquidity needed to cover payroll, rent, inventory purchases, and unforeseen expenses, keeping your business running smoothly during seasonal shifts or rapid expansion.
Get startedMerchant Cash Advances
Leverage your future credit card sales for immediate cash. An MCA is a fast, unsecured funding option that fluctuates with your daily sales volume, making repayment highly flexible and stress-free during slower business months.
Get startedEquipment Financing
Upgrade your technology, heavy machinery, or company vehicles without depleting your primary cash reserves. We provide competitive equipment financing and leasing options that allow you to acquire the essential tools necessary for growth while spreading the cost over time.
Get startedSBA & Long-Term Loans
Benefit from government-backed Small Business Administration (SBA) loans. These highly sought-after loans offer lower down payments, longer repayment terms, and highly competitive interest rates for businesses looking to make substantial, long-term investments in their future.
Get startedBusiness Lines of Credit
Secure a revolving credit limit that you can draw from whenever the need arises. You only pay interest on the funds you actually draw and use, making a business line of credit an excellent safety net for unexpected opportunities or sudden emergencies.
Get startedSecured Business Loans
Leverage equipment, property, or inventory to unlock larger amounts at better rates.
Get startedCommercial Real Estate Loans
Whether you are purchasing a new office space, refinancing an existing commercial property, or funding a major facility renovation, our commercial real estate loans provide the substantial capital required with terms customized to your property’s cash flow.
Get startedWhy Encore
Why Partner With Encore Commercial Capital?
Choosing Encore Commercial Capital Corporation means partnering with dedicated financial experts who prioritize your long-term success. We bypass the restrictive red tape and endless paperwork associated with traditional banking institutions to deliver a seamless, frictionless lending experience. Our dedicated funding advisors work closely one-on-one with you to understand your specific business model and capital needs, ensuring you receive the most advantageous lending terms possible. With industry-leading turnaround times—including approvals in as little as 2 hours—you can seize time-sensitive growth opportunities without delay.
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.
Apply for Alternative Business Financing Today
Do not let a lack of capital hold your business back from reaching its full potential. Experience the difference of working with a responsive, client-focused alternative lender. Contact Encore Commercial Capital Corporation today to speak directly with one of our experienced funding specialists and discover which tailored financial solution is exactly right for your enterprise.
Call us now at (888) 550-9339 to get started and receive your funding approval in as soon as 2 hours!