Working Capital

Finding a company to approve your business for additional capital when you have bad credit used to be nearly impossible. In the current economic environment it’s still a tough task, which is why we created a niche to satisfy those specific business owners. We believe it only makes sense to approve those qualified businesses that need the capital to grow regardless of their owners past personal credit history. You need capital to grow a business and we understand how to get your business what it needs to flourish. 


One of the most powerful tools we have to help your working capital status is our factoring service. With our factoring programs, we can turn your current receivables into cash and put more positive funding into your bank account. The process can be completed in hours and you can have the funds in your account by the next business day.

It can take a few days to establish an active invoice factoring account with AFN, so we always recommend getting approved right away. Since the approval process is based on the credit status of your clients, your company’s credit is not a significant deciding factor. We will help establish the criteria of approval for the invoices you generate and then put the cash in your account right when you need it.

One of the benefits of working with AFN is that we believe in bringing the human touch into the business world. We never say no to a situation until we have had a chance to evaluate all of the information and make an informed decision. We like to use numbers to make the best possible decisions, but we also prefer to work directly with our clients to help solve their working capital issues on a human level.

Loans For Businesses With Bad Credit

What would you do if your invoiced sales slow down and your working capital rating is threatening to go negative? Under normal circumstances, you would try to get funding from a bank that would probably turn you down. But with the bad credit loan program at Advance Funds Network, you have a good chance of getting the cash you need to take care of your working capital issues.

If your company can provide documentation that shows at least $10,000 per month in sales and a proven track history of paying back debts, then you need to talk to an AFN representative right away. We can give you the business cash you need to enhance your receivables while sales are down.

Short-Term Loans

Working capital is traditionally measured on a time frame of six to 12 months, which makes it a short-term indication of the health of your company. If you are having problems with your working capital, then talk to Advance Funds Network about our convenient short-term commercial loan programs.

Small and medium-sized businesses are dramatically affected by the health of their working capital and that is why AFN has developed commercial loans that range from $10,000 to $10 million to help boost your working capital. An AFN associate will consider everything from your company’s credit history to available collateral to determine how much of a loan your company can handle.  The process is streamlined and efficient as well as, transparent.

Address Your Working Capital Needs With AFN

Your business liabilities will always be there to put pressure on your working capital, but you can fight back with programs from AFN to improve your assets. Give us a call at 888-310-3110 to an AFN professional to see which program your company qualifies for and get the kind of funding you need to keep your working capital on the positive side.