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BreadRoute Review
Amerisource Business Capital
4.0Our Amerisource Business Capital Review
Amerisource Business Capital is an independent direct lender focused on small and lower middle market businesses across the United States. Founded in 1984 and headquartered in Texas, the firm has deployed over $2.1 billion in loans over its four-decade history and has twice appeared on the Inc. 500. It specializes in asset-based lending, working capital facilities, and revolving credit lines, with additional capacity for equipment finance, inventory financing, accounts receivable, commercial real estate, and sponsor finance. Deals start at $1 million, making Amerisource a fit for established businesses rather than early-stage companies — the lender requires at least two years in business, $100,000 in monthly revenue, and a 650 minimum credit score. Its stated strength is structuring creative solutions for complex or special-situation borrowers, including turnarounds, where conventional bank financing may not be available. Recent deal announcements through mid-2026 suggest the firm remains actively deploying capital.
Who Is Amerisource Business Capital Best For?
Based on eligibility requirements and available products.
- Businesses with good (but not perfect) credit
- Businesses that need equipment or machinery financing
- B2B businesses with outstanding invoices to unlock
- Businesses with commercial real estate financing needs
Financing Options
Eligibility Requirements
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Other Nonbank Lender lenders
Amerisource Business Capital Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
- Wide range of financing products
Cons
- Requires $100,000+ in monthly revenue
- Requires 2 Years in business
Frequently Asked Questions
Amerisource Business Capital offers financing in the range of $1 Million+.
Amerisource Business Capital typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Amerisource Business Capital offers the following financing products: Sponsor Finance, Equipment Finance, Accounts Receivable, Commercial Real Estate Financing, Inventory Financing.
Amerisource Business Capital requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Amerisource Business Capital provides financing to businesses across the United States.
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