Small Business Loans
Access capital for expansion, inventory, hiring, marketing, renovations, or everyday cash flow needs.
Best for: Established businesses that want predictable monthly payments and a specific use of funds
Funding Solutions
Business Funding Solutions for Every Need
From short-term working capital to long-term growth financing, American Financial Source helps businesses compare options and move forward with confidence.
American Financial Source is a business lending firm serving small businesses, growing companies, multi-location operators, real estate investors, and enterprise-level clients across the United States.
Business Line of Credit
A business line of credit gives qualified businesses access to revolving capital that can be drawn as needed.
Best for: Businesses with variable cash flow or recurring short-term capital needs
SBA Loans
SBA loan programs may offer longer terms and competitive structures for qualified businesses.
Best for: Established, well-documented businesses pursuing larger or longer-term financing
Equipment Financing
Preserve working capital while financing vehicles, machinery, technology, medical, restaurant, and construction equipment.
Best for: Businesses that need vehicles, machinery, or specialized equipment to operate or grow
Real Estate Financing
Financing options for purchasing, refinancing, renovating, or expanding commercial real estate and investment properties.
Best for: Owner-operators acquiring property and real estate investors expanding portfolios
Asset-Based Lending
Asset-based lending may allow businesses to leverage receivables, inventory, equipment, or other eligible assets to access capital.
Best for: Asset-rich businesses, manufacturers, distributors, and growing operations
Invoice Factoring
Invoice factoring can help businesses improve cash flow by converting eligible unpaid invoices into immediate working capital.
Best for: B2B businesses with creditworthy customers and 30–90 day payment terms
Revenue Based Financing
Revenue based financing options may provide quick access to capital based on business revenue and future receivables.
Best for: Revenue-generating businesses that need fast capital and have predictable sales
Payroll Funding
Payroll funding can help businesses bridge temporary cash flow gaps and keep teams paid on time.
Best for: Staffing, service, and operations businesses with timing mismatches in cash flow
Working Capital
Short- and medium-term capital for inventory, payroll, marketing, supplier payments, and day-to-day operations.
Best for: Businesses managing day-to-day operations or pursuing short-term growth
Enterprise Financing
American Financial Source supports larger financing needs for established businesses, multi-location operators, real estate investors, and enterprise-level growth initiatives.
Best for: Mid-market and enterprise businesses, multi-location operators, real estate investors, and acquirers
Bridge Financing
Bridge financing provides short-term capital to cover the gap between a current obligation and a longer-term financing or sale event.
Best for: Operators and investors with a defined exit or refinance plan
Home Equity Line of Credit (HELOC)
A home equity line of credit lets qualified homeowners draw against available equity to fund business growth, renovations, or large expenses.
Best for: Homeowners and real estate investors with available equity who want flexible, lower-cost capital
Commercial Real Estate Loans
Financing for office, retail, industrial, multifamily, mixed-use, and special-purpose commercial properties.
Best for: Owner-operators acquiring property and investors building or refinancing commercial portfolios
Compare
Funding Product Comparison
A quick side-by-side look at common funding products. Final amounts, terms, and speed depend on the lender, the product, and the applicant.
| Product | Best For | Typical Amounts | Speed |
|---|---|---|---|
| Business Loans | Established businesses that want predictable monthly payments and a specific use of funds. | From $25,000 up to several million for qualified applicants | Approvals may be available within hours; funding timelines vary |
| Line of Credit | Businesses with variable cash flow or recurring short-term capital needs. | Limits commonly $25,000 – $500,000+ depending on qualification | Initial approvals may be available within 24–72 hours |
| SBA Loans | Established, well-documented businesses pursuing larger or longer-term financing. | Up to $5,000,000 under standard SBA 7(a); other programs vary | Funding timelines for SBA loans are typically several weeks |
| Equipment Financing | Businesses that need vehicles, machinery, or specialized equipment to operate or grow. | From $10,000 up to several million for qualified applicants | Approvals may be available within 24–72 hours for many programs |
| Real Estate | Owner-operators acquiring property and real estate investors expanding portfolios. | Typically $250,000 to $25,000,000+ depending on program | Real estate transactions typically take several weeks |
| Asset-Based Lending | Asset-rich businesses, manufacturers, distributors, and growing operations. | Typically $500,000 to $25,000,000+ depending on assets | Underwriting typically takes several weeks |
| Invoice Factoring | B2B businesses with creditworthy customers and 30–90 day payment terms. | Facilities commonly $50,000 to several million | Initial setup typically within 1–2 weeks; advances thereafter same/next day |
| Revenue Based Financing | Revenue-generating businesses that need fast capital and have predictable sales. | Typically $5,000 to $500,000+ | Approvals possible within hours; funding may be as fast as same day |
| Payroll Funding | Staffing, service, and operations businesses with timing mismatches in cash flow. | Sized to payroll obligations | Setup commonly within 1–2 weeks; advances quickly after |
| Working Capital | Businesses managing day-to-day operations or pursuing short-term growth. | Typically $10,000 to $2,000,000+ | Same-day funding may be available for qualified applicants |
| Enterprise | Mid-market and enterprise businesses, multi-location operators, real estate investors, and acquirers. | Typically $1,000,000 to $50,000,000+ | Larger transactions typically take several weeks |
| Bridge Financing | Operators and investors with a defined exit or refinance plan. | Commonly $250,000 to $25,000,000+ | Faster than long-term programs, varies by transaction |
| HELOC | Homeowners and real estate investors with available equity who want flexible, lower-cost capital. | Typically $25,000 to $500,000+ depending on available equity | Funding timelines typically 2–4 weeks due to appraisal and title work |
| Commercial Real Estate | Owner-operators acquiring property and investors building or refinancing commercial portfolios. | Typically $500,000 to $50,000,000+ depending on program | CRE transactions typically take 30–60 days to close |
Ready to Find the Right Funding Option?
Start your application today and let American Financial Source help you explore funding options built around your business goals.