Fast, flexible business financing in Charlotte, NC.

Charlotte may be the second-largest banking hub in the country, but big banks still say no to thousands of healthy Queen City businesses every year. Encore Commercial Capital fills that gap with alternative financing built for real-world businesses — from Uptown professional firms and South End startups to contractors, medical practices, and hospitality groups across Mecklenburg County.

We offer working capital, merchant cash advances, equipment financing, business lines of credit, SBA loans, and commercial real estate financing — with approvals in as soon as 2 hours and closings typically inside 7–10 days, so you can move at the speed Charlotte grows.