Advance Funds Network
Advance Funds Network
Advance Funds Network
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Unsecured Lines of Credit


Unsecured Small Business Loans & Lines of Credit for Every Business Owner with Any Credit Score


Advance Funds Network is one of the easiest ways to obtain financing for your business. Since 2007, we 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 don't charge any upfront fees. Our process is simple and easy.  Our goal is even simpler: Approve your business for financing.

Advance Funds Network

Please inquire about our customized programs providing business owners with Unsecured Business Credit Lines and Merchant Cash Advances.


We now offer Business Loans in ALL 50 States!

Funding Program

  Funding Program  
  How the Advance Funds Network Funding Program Works:  

We Fund your Business based on your Monthly Revenues. A mutually agreed-upon payback is taken out of your Sales Receipts until full repayment is reached. Or a Fixed Loan repayment schedule is created.

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Funding Criteria

  Underwriting / Merchant  

You need to have:

An average of at least $2,500 in monthly Credit Card sales OR at least $10,000 in Gross Monthly Sales Volume to review and determine the funded amount options.

Proof of Monthly Sales Income.

Bankruptcies-No Problem

No credit or bad credit histories not an automatic disqualifier.



You have grand ideas for expanding your business, but you need the capital to put them into effect. If you don't have the highest credit rating and collateral, banks may refuse to grant you a loan. Fortunately, you can obtain funds from no red tape sources.

The Business Line of Credit

The business line of credit is an easy way for people to fund their business ventures. Upon approval, you will have access to the funds you need, without a restriction on what you need to borrow. You will be able to draw down on the credit line, but you will only pay for the money that you use. Furthermore, as you build up a track record more funds can be made available to you.

If your business has been open for at least six months, you can qualify for a line of credit by proving that you obtained at least $10,000 in sales for the time period. The line of credit offers your business a few ways to payback. It can be a fixed payment, a percentage of sales payment or a hybrid payment of both! This is by far the most flexible and sought after program we offer.

If you are a large business and require up to $5,000,000 and have the financials to support it. Please contact our Large enterprise funding department at (888) 310-3110. These loans and lines of credit start at $150,000. If this is the case for business, you can apply for as much as $5 million and your options are numerous- Please call us now.

The Business Loan

If your business accepts cash, checks or other type of money transfers then the straight business loan is for you. In order to qualify for this type of loan, you will need the following requirements:

  • Minimum Average of monthly sales in the amount of $10,000
  • You have a minimum of $1,000 in your bank account
  • You make at least five deposits every month
  • You receive no more than 10 insufficient funds checks
  • Your FICO score is above 500

If your needs can be satisfied with a loan of $35,000 or less, all you need to qualify for this small business loan is a government-issued identification card and the first page of your business lease.

You can opt to make fixed payments on a daily, weekly or monthly basis, or you can pay a percentage of your sales receipts.

The Business Cash Advance

The same as a merchant cash advance works differently from a traditional business loan, so it is much easier for your business to qualify for it. You will not be asked to submit to a credit check, and you will not have to offer anything as collateral. Once the business receives the money, you can use it in any manner that you see fit. This means that you can pay off debts, purchase inventory, replace old equipment or remarket your services.

With a business cash advance, you will typically repay the loan based on your future sales. The advance also offers your business a few ways to payback. It can be a fixed payment-daily, weekly or monthly, a percentage of sales, a percentage of credit card sales or a hybrid flexible payment of each. Your business and one of our funding specialists will create the best plan for your business cash flow needs. We understand that if it does not make sense for your business' cash flow than it does not work for us either!

Unsecured Business Loans for those with Bad Credit

If you have bad credit, you are not alone. The great recession has hurt many families. However, your business can receive the funds it needs with the unsecured business loan in as little as 12 hours. There are never any fees to apply, and you will not have to offer anything as collateral. You will need to demonstrate that your business has sales of at least $10,000, but you are not required to have a minimum deposit or a minimum ending bank balance.

Asset Based Business Loans / Secured Business Loans

Business can leverage any assets and receive from $10,000 to $500,000 to any business type and bad credit is OK. Loan approvals are typically issued within 24 hours and funding is less than 5 days. We are not a cash advance company and we do not require any credit card receivables. We can leverage any collateral, Automobiles, Boats, Planes Equipment of all sorts. No matter what the size and scope we can leverage it. Even if you have an existing advance we can leverage your other assets to get you the additional capital you need on top of it!

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I asked for $75,000 dollars and was approved for $120,000 with a daily payment matrix that allowed me to succeed. I was VERY SKEPTICAL at first , because who lends on just a few statements . I am proud to say AFN came through. Both Michael and Adam hand held me through the process and worked to fund quickly , plus Karina in their underwriting Department was kind and helpful.
 In closing , I highly recommend this team to meet those needs that can push your business to the next level of success . Michael delivered on what he promised.
Randy Desk
Wheeling, West Virginia
Home Interiors
Business Loan $120,000.  $5,000,000 in Purchase Order Factoring to date May 6, 2013



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