Enterprise capital,
delivered at speed.

From $100 to $100,000. Secure the funding you need for personal growth, business expansion, or unexpected expenses with transparent terms.

🔒 Bank-Level 256-bit Encryption
⚡ Same-Day Funding Available
📊 Reports to Major Bureaus
🛡️ Direct Lender
Capital Access

Up to $100,000.
Customized terms.

Credit Builder

We report to all 3 major bureaus to establish your financial profile.

Transparent

Zero hidden fees.
Ever.

Flexible

Grace periods up to 29 days.

Our Mission

Capital should be a catalyst, not a hurdle.

USAfincorp was founded to bridge the gap between traditional banking and the realities of modern financial needs. We utilize proprietary underwriting technology to look beyond just your FICO® score, ensuring fair access to capital when you need it most.

$250M+

Capital Deployed

150,000+

Members Funded

4.8/5

Trustpilot Rating

24 Hrs

Average Funding Time

How funding works.

1

Apply in minutes

Tell us how much you need. Our pre-qualification form takes less than 2 minutes and has zero impact on your credit score.

2

Secure verification

We use Plaid's 256-bit encrypted system to securely review your banking history without ever seeing your passwords.

3

Get your funds

Once approved, select your customized repayment terms. Funds are deposited directly into your linked account instantly.