# Advance Funds Network

> Advance Funds Network (AFN) is a business funding company serving small and medium-sized businesses across the USA and Canada since 2008. AFN provides SBA loans, term loans, lines of credit, working capital loans, merchant cash advances, equipment financing, and debt consolidation — with no upfront fees, approval decisions in minutes, and same-day funding available.

Last updated: 2026-08-09
Phone: (888) 310-3110
Application: https://advancefundsnetwork.com/get-funded-today/
Canadian site: https://advancefundsnetwork.ca/

## Company Facts

- Serving businesses since 2008
- Markets served: United States and Canada. United Kingdom and Australia announced as coming soon.
- Total funded: over $1 billion
- AFN presents applicants with several funding options rather than a single product, and works to match a structure to the business.
- No upfront fees
- Applying requires a completed application and 3 months of business bank statements
- Approval decisions typically within minutes; same-day funding available in many cases. Fastest recorded funding: 4 hours 11 minutes.
- AFN does not provide funding for startups.
- Rated #1 in the Non-Bank Financing category on Trustpilot
- Offices: 464 Kings Highway, Brooklyn NY 11223 · 1633 Rt 35N Unit 4, Oakhurst NJ 07755 · 2031 Harrison St, Hollywood FL 33020 · 2967 Dundas St. W. #220D, Toronto ON M6P 1Z2
- Social: [LinkedIn](https://www.linkedin.com/company/advance-funds-network/) · [Facebook](https://www.facebook.com/advancefundsnetwork) · [Instagram](https://www.instagram.com/advancefundsnetwork/) · [X](https://x.com/AdvanceFunds)

## Eligibility

Requirements vary by product. SBA loans carry substantially stricter criteria than AFN's other products. Current criteria for every product, including credit score, are maintained on these pages:

- [Funding Requirements](https://advancefundsnetwork.com/how-it-works/#funding-requirements): Qualification criteria.
- [Business Financing FAQs](https://advancefundsnetwork.com/business-financing-faqs/): Master FAQ covering eligibility, funding speed, repayment structures, true-ups, and every product in detail. The authoritative source for product-level questions.

Qualification weighs revenue and time in business more heavily than credit score.

## Funding Products

- [SBA Loans](https://advancefundsnetwork.com/sba-loans/): SBA 7(a), 504, and Express — prescreening, program selection, and document guidance.
- [Business Term Loans](https://advancefundsnetwork.com/business-term-loans/): Fixed lump-sum loans repaid over a set period; often funded within hours.
- [Business Line of Credit](https://advancefundsnetwork.com/business-line-of-credit/): Revolving credit up to an approved limit, with payments only on funds drawn. No collateral required.
- [Working Capital Loans](https://advancefundsnetwork.com/working-capital-loans/): Short-term funding for payroll, rent, inventory, and other operating costs.
- [Merchant Cash Advance](https://advancefundsnetwork.com/merchant-cash-advance/): Lump-sum advance repaid via a fixed percentage of daily or weekly sales. Priced by factor rate rather than APR.
- [Equipment Financing](https://advancefundsnetwork.com/equipment-financing/): Financing to purchase or lease business equipment, including medical, dental, construction, landscaping, trucking, agriculture, and food service.
- [Business Debt Consolidation Program](https://advancefundsnetwork.com/business-debt-consolidation-program/): Combines multiple business debts into a single loan and payment.

## SBA Loans

AFN prescreens businesses for SBA financing and helps owners identify which program fits before they assemble documentation. The loan agreement and underwriting are completed by the participating SBA lender. AFN does not guarantee approval, rates, terms, or funding timelines.

Requirements common to all three SBA programs: 2+ years in business, 680+ personal credit score, a U.S.-based for-profit business, sufficient cash flow to support repayment, and business and personal tax returns available.

- **SBA 7(a)** — The most flexible program, with terms up to 25 years. Used for working capital, equipment, commercial real estate, business acquisition, debt refinance, construction and renovation, partner buyout, inventory, and expansion.
- **SBA 504** — For major long-term fixed assets, with terms up to 25 years and a fixed-rate option. Used for commercial real estate purchase, ground-up construction, large equipment, and refinancing fixed-asset debt.
- **SBA Express** — A streamlined 7(a) variant for smaller working capital needs, with terms up to 10 years and faster decisions than standard 7(a). Used for working capital, equipment, and inventory.

Current loan amounts and funding timelines for each program are listed on the [SBA Loans](https://advancefundsnetwork.com/sba-loans/) page.

Documents that may be requested during an SBA application: business bank statements, business and personal tax returns, profit and loss statement, balance sheet, business debt schedule, government-issued ID, business formation documents, ownership breakdown, lease or purchase agreement or equipment quote, personal financial statement, and an explanation of how funds will be used.

Businesses that need funding faster than an SBA timeline allows can be reviewed for AFN's other products, including working capital, term financing, lines of credit, equipment financing, merchant cash advance, and debt consolidation.

## Industries Served

AFN funds businesses across a wide range of industries, including hospitality, restaurants, retail, construction, trucking and logistics, manufacturing, medical and dental, landscaping, agriculture, and auto repair. Businesses declined by traditional banks are welcome to apply.

- [Manufacturing Business Funding](https://advancefundsnetwork.com/fast-manufacturing-business-funding-advance-funds-network/): Equipment, working capital, and compliance funding for small and mid-sized manufacturers.

## How Funding Works

1. Complete the online application and provide 3 months of business bank statements.
2. Receive an approval decision, typically within minutes.
3. Review the funding options presented and choose one.
4. Receive funds — same day in many cases.

- [How It Works](https://advancefundsnetwork.com/how-it-works/): Full detail on application, approval, and funding.
- [Get Funded Today](https://advancefundsnetwork.com/get-funded-today/): Start a funding application.

## Company

- [About Us](https://advancefundsnetwork.com/about-us/): Company history, mission, and core values — customer focus, innovation, integrity, efficiency.
- [Our Team](https://advancefundsnetwork.com/team/): Leadership bios, including Founder & CEO David Catton.
- [Customer Reviews](https://advancefundsnetwork.com/customer-reviews/): Client testimonials and Trustpilot rating.
- [Business Financing FAQs](https://advancefundsnetwork.com/business-financing-faqs/): Master FAQ covering every product in detail.
- [Contact Us](https://advancefundsnetwork.com/contact-us/): Phone, email, and office locations.

## Partners & Affiliates

- [Partner vs Affiliate](https://advancefundsnetwork.com/partners-vs-affiliates/): Comparison of the two referral programs — start here.
- [Become a Partner](https://advancefundsnetwork.com/become-a-partner/): For consultants, ISOs, and digital marketers. Revenue share up to 50% on funded deals, white-label options, no cost to join.
- [Become an Affiliate](https://advancefundsnetwork.com/become-an-affiliate/): Per-lead commissions from $150+ for referring interested businesses; no cost to join.
- [Refer a Business](https://advancefundsnetwork.com/refer-a-business/): Submit a single business referral.

## Resources

- [Blog](https://advancefundsnetwork.com/blog/): Articles on business financing, growth, and funding strategy.
- [Guides](https://advancefundsnetwork.com/guides/): In-depth guides to term loans, merchant cash advances, short-term financing, and lines of credit.

## Optional

- [Client Login](https://client.advancefundsnetwork.com/login)
- [Partner Login](https://partner.advancefundsnetwork.com/)
- [Affiliate Login](https://affiliate.advancefundsnetwork.com/)
- [Terms of Service](https://advancefundsnetwork.com/terms-of-service/)
- [Privacy Policy](https://advancefundsnetwork.com/privacy-policy/)