Fast Business Loans and Same-Day Funding
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* Advance Funds Network does not provide funding for startups, Read qualification requirements here.
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How much could I qualify for?
$148K
*Results shown are for illustration purposes only. Applications are subject to approval.
Owning a business may not always be simple—but applying with us is.
A wide range of funding options for your business
Since 2008, we have established ourselves as a leader in the small-medium sized business marketplace. We provide your business with several funding options until we find the one that works best for you. We never charge any upfront fees.
Term business loan
We don’t just look at credit scores; we see your business potential. Funding in just 4 hours, with no hidden fees.
Working capital loans
We don’t just look at credit scores; we see your business potential. Funding in just 4 hours, with no hidden fees.
Business line of credit
Flexible funds when your business needs it. Our line of credit offers easy access to money, helping you handle sudden costs.
Merchant cash advance
Need funds fast? Our merchant cash advance is ideal for quick cash boosts, with simple, speedy processing to support your business’s needs.
Debt consolidation
Simplify your debts. Merge multiple payments into one, easing your financial management and focusing more on growing your business.
Join our partner program
Partner with the Largest Business Loan Referral Network in USA & Canada. Sign up in minutes, start referring deals right away, and earn top industry commissions!
Trusted By Real Businesses. Built For Real Results.
See why businesses across the US, Canada and UK trust Advance Funds Network for straightforward funding solutions, responsive support and opportunities to move their business forward.
Simple requirements for faster funding
We keep our requirements simple and accessible, because we believe more businesses deserve access to capital. Here’s what you’ll need to get started:
- A minimum operational history of 1 Year
- Monthly revenue of at least $15,000
- A credit score of 500 or higher
Frequently asked questions
What types of small business loans are available?
Business loans come in several forms, depending on a company’s needs and financial situation. Common types include term loans (fixed repayment over time), lines of credit (borrow only what you need), equipment financing (specific to purchasing machinery or tools), and merchant cash advances (borrowing against future sales). Each option suits different needs, such as expanding operations or managing cash flow.
How does same-day business funding work?
Same-day funding typically involves lenders who can quickly approve and disburse loans. The process often requires minimal documentation, such as proof of income and a business bank account. Applications are usually online, and decisions are typically made within hours, allowing funds to be deposited by the end of the day in many cases. However, terms and fees for expedited funding might vary.
What are the minimum requirements to apply for financing with AFN?
To qualify for business financing through Advance Funds Network, businesses must meet basic eligibility criteria related to time in operation, revenue, and credit profile. To qualify for financing, businesses should have:
- A minimum operational history of 1 Year
- Monthly revenue of at least $15,000
- A credit score of 500 or higher
What credit score is needed to qualify for a business loan?
Credit score requirements vary by lender and loan type. Traditional lenders, like banks, usually require a good to excellent credit score (typically 650+). Alternative lenders or funding platforms may have more flexible criteria, focusing on revenue, time in business, or other factors rather than credit history alone.
Are there risks to taking a short-term business loan?
Short-term business loans can provide quick access to capital, but they may come with higher interest rates or fees compared to traditional loans. It’s important to assess whether the loan’s cost aligns with the expected benefit, such as covering an urgent expense or seizing a business opportunity. Borrowers should always review repayment terms carefully.
