How it works
Three simple steps to funding
Real specialists, straightforward terms, and funding shaped around your actual plan — not the other way around.
Step 01
Apply online
About thirty seconds, and we only ask for the essentials — so you can get back to running the business.
- About 30 seconds
- Soft pull only
Step 02
Get pre-approved and customise
Our team reviews quickly and shares a pre-approval, then works with you to tailor terms that fit. No hard credit pull to start.
- Real offers, side by side
- Terms you can tailor
Step 03
Get funded
Once approved, funds are wired to your account with clear terms and no surprise fees. Usually within 24 to 48 hours.
- Wired to your account
- Often in 24–48 hours
Your specialist
A real person reads every file.
Not a bot and not a call centre. A U.S.-based funding specialist reviews your application, gets back to you with real offers, and walks you through what each one costs.
- 1–3 hrstypical time to a first review
- 50+lenders competing for your file
- $0to apply, with no obligation
Compare
All six programs, side by side.
The figures each program publishes, in one place. A specialist helps you weigh the offers that actually come back.
| Program | Amount | Term or repayment | Starting cost | Speed | Details |
|---|---|---|---|---|---|
| Term Loan | $10k to $1M | Up to 24 months | 6% | 1–2 days | Details |
| Line of Credit | Up to $1M | 6 months – 3 years | 4.5% | 1–2 days | Details |
| Short-Term Business Loan | $10k to $1M | Up to 24 months | 6% | 1–2 days | Details |
| Working Capital Loan | Up to $1M | Daily or weekly ACH | 4.5% | 1–2 days | Details |
| Equipment Financing | Up to $250k | 1–5 years | 8% | — | Details |
| Merchant Cash Advance | $5k – $500k | Daily or weekly ACH | 10% – 35% | 24–48 hours | Details |
Before you start
What you'll need to apply
Most owners have all of it on their phone already.
- A few basics about the businessName, industry, time in business and roughly what comes in each month.
- Three months of bank statementsFor most programs, that is the only document. Larger amounts may ask for a tax return.
- Credit that isn't perfect is finePrograms in the network start from a 500 FICO. Revenue and time in business count more.
Questions
Straight answers
Will applying hurt my credit score?
No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.
How fast can I get the money?
Most approved files are funded in 24 to 48 hours. Your specialist gives you an exact timeline once your file is reviewed.
What if my credit isn't great?
Apply anyway. The network includes programs from a 500 FICO, and lenders weigh the business's revenue and time trading more than a personal score.
How much can I get?
From $5,000 to $1,000,000, depending on the program, monthly revenue and time in business.
Is there a cost or an obligation?
None. Applying is free, every offer shows its full terms, and if nothing fits you simply walk away.
Are you a lender?
No. American Business Funds puts one application in front of 50+ vetted lenders and helps you compare what comes back. The lender you choose funds the business.
Get a free quote
Get a free quote.
One application, real offers, and no obligation to take any of them. Starting does not affect your credit.
Rather talk to somebody first? (844) 312-1444.