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
Business Loans
Small Business Loans Designed Around Your Growth
Access capital for expansion, inventory, hiring, marketing, renovations, or everyday cash flow needs.
Overview
Small business term loans give qualified businesses a defined amount of capital with a predictable repayment schedule. American Financial Source helps business owners explore loan options based on business performance, revenue, and goals, with structures ranging from short-term to multi-year amortizations.
Typical amounts
From $25,000 up to several million for qualified applicants
Speed
Approvals may be available within hours; funding timelines vary
Terms
Typically 12–84 months depending on product and lender
Best For
Established businesses that want predictable monthly payments and a specific use of funds.
Common Use Cases
- Business expansion
- Inventory purchases
- Hiring and payroll
- Marketing and growth initiatives
- Buildout and renovations
- Cash flow management
- Debt consolidation (where eligible)
Potential Benefits
- Predictable fixed payments for budgeting
- Defined payoff schedule
- Range of term lengths available
- Can fund significant growth initiatives
Things to Consider
- Typically requires documented business revenue and time in business
- Rates and terms vary by lender and applicant
- Some loans may require collateral
How the Process Works
- 1Submit a secure application with basic business details
- 2American Financial Source reviews your profile and identifies eligible products
- 3Connect with a funding specialist to discuss the right structure
- 4Provide any final documentation and complete underwriting
- 5Funds are disbursed once the offer is accepted and finalized
Required Documents
- Business application
- 3–6 months of business bank statements
- Business entity information
- Owner information
Frequently Asked Questions
Related Funding Options
Apply
Apply for Small Business Loans
Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.
- Secure DocuSign envelope — confidential submission
- Most applications take less than 10 minutes
- Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622
Prefer to talk first? A specialist can walk through options before anything is submitted.
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.