your single source for all financial and commercial insurance for small busing and trucking needs

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

Building trust through efficient results

85%

Approved Loans

10,000+ Business Served

75%

24 hour funding

$2 Billion+ funds delivered

95%

Customer Satisfaction

Customer Reviews

About Us

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.

STILL NOT SURE?

Frequently Asked Questions

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.

Question 1: How do you provide value to my business?

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.

Question 2: What can I use the money for?

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!

Question 3: What is the application process?

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.

Question 4: What are your minimum requirements to be approved for funding?

- Minimum of three months in business.

- Minimum of $5,000 in monthly revenues.

- Your business is based in the United States or Canada.

Question 5: I have bad credit and even a previous bankruptcy. Can you get me funding?

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!

Question 6: How long does the approval process take?

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.

Question 7: How long will it take to receive my money?

Usually, within 24 hours after a contract is executed and received!

Super Simple 3 Step Process

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?

Services

From the road to the rooftop: Fast, flexible capital for all your commercial and equipment needs

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



partners we work with

Contact us today to get a free consultation!

Send us a message to get answers to any of your questions & we’ll

get back to you within 24-48 hours or as soon as possible.

Want to work with us?

Join our network of specialized agents to provide industry-leading financing and insurance solutions to your clients.

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INFORMATION

Location:
37200 Paseo Padre Pkwy #130
Fremont, CA 94536

Email: atmcapitalinc.com

Phone: +1 408 806 2234

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