What if I have a start-up business?

Sorry, at this time we are NOT able to provide working capital or a merchant cash advance to businesses with less than 3 months in business.

How does a Merchant Cash Advance work?

It advances cash to merchants based on anticipated future sales, offering an alternative to the traditional bank loan. With a Merchant Cash Advance – which is not a loan – businesses receive a lump sum in return for a percentage of their future Credit Card receipts. We also have Business Bank Loan Programs based strictly on Bank deposits. No credit cards required.

How does our Small Business Loan compare to a traditional bank loan?

Qualifying for a small business loan through us is far easier than a traditional bank loan. No checks are ever written, no upfront application fees, no late fees or any hidden fees. In addition, there may not be any personal guarantees, no loss in equity or need to post collateral. Also the documentation is minimal compared to the extensive “hoops” that a traditional lender makes business owners jump through.  Try our fast funding program up to $3,000,000!

How does the Advance Funds Network help me?

Once you submit an application, a funding consultant will determine how much money you qualify for based on your average monthly sales volume along with taking into account multiple variables that go into the funding algorithm. Such as, business type and historical data from within the model.

Depending on the program your business fits in to, all options will be presented to you for absolutely no fee at all. AFN utilizes its vast network to compete for your business. A selection is made by you for the best option for your business and personal payback preferences. You will then receive the paperwork detailing the specifics of the agreement. Upon approval, the funds will be deposited directly in your bank account as early as the same business day.

How easy is it to get approved by Advance Funds Network?

Over 83% of our applicants get approved and funded in less than 3-7 business days. Our review standards are streamlined to provide an expedited approval process that requires minimal documentation. Qualification is fast, simple and easy. Not only that, but the overwhelming majority of our funded businesses choose to do business with us again.


I am already indebted to another company. Can you still help me?

Contact us to find out specifically how much we can offer you. We often offer larger advances than our competitors and will pay off your existing advance if it is in your best interest.  We can also fund you without paying off your existing balance!   Call us today at 888-310-3110 to find out how much you are qualified for and what options are available to you right now.

What if I already have a business loan?

No problem! As long as you meet our requirements, we can still provide you with immediate cash, without affecting your other obligations.  We do offer many business loan type products through various programs so we can usually do things other companies cannot. We are exceptionally good at what we do. Try us out for free- you have nothing to lose.

How long will it take to find out if I qualify?

Pre-approval usually takes from a few hours to a couple of days. Funding typically takes two to three business days depending on the amount of the transaction. All in all, we can fund your business in less than a week! We are here to get you the capital you need to succeed! And in the time frame you need it!

How long will it take to get the cash?

Once the agreement is signed and everything verified, the money is sent directly into your business account and should be received as early as the same day or next business day.



How much can I hope to receive?

The average size funding is about $50,000, although we range from $2,500 to $3,000,000.  Our business loan type products can range from $15,000 to $3,000,000. There are always new products that are coming to market that are slower to make it on to our website. Please call for the latest information regarding our New! Immediate Business line of credit for existing businesses only.

What can I use the money for?

You are free to use the money in any way you feel is best for your business. Many of our customers use it for expansion, improvements, advertising, new equipment or increased (or seasonal) inventory. It is also frequently used for unforeseen emergencies, to buy out a partner, acquire a new location, or pay off and consolidate existing debt, machinery etc. You name it and we have helped a business with a similar need or situation as the one you are currently in. However, we cannot fund personal loans or startup business loans.

Will I need to change credit card processors?

No. There are many options that are available now that never existed before.  We always guarantee to meet or beat any of your current rates. There are instances when you may keep your existing processor and this is not a deal “breaker.” We are in the funding business we are not here to confuse what we do with any ancillary distractions.

Will I receive the same low credit card rates?

Absolutely. We will either meet or beat your current rates. We like to think of ourselves as being processor agnostic. We do not care who you use. Our business is funding businesses not credit card processing.  As long as your business can show an ability and method to pay back the funds we are good to go!

Can I monitor the status of my account?

In addition to receiving a monthly statement, shortly you will be able to log into our highly secured and encrypted website to view your account balances and history.

What interest amount am I paying?

There are various products that we work with and have APR’s that will vary from 12% and up.  There are other programs that, no matter how long it takes you to satisfy your obligation, the percentage retrieved is fixed for the life of the funding until we receive the full amount of the sales we purchased.



What if I have questions?

You’ve got frequently asked questions about credit? We’ve got answers.  We are constantly expanding our business loan portfolio and Alternative Financing product line and unsecured lines of credit and merchant cash advance program database to include businesses profiles that in the past would not qualify.  Simply call 888-310-3110 to speak to an Advance Funds Network funding specialist or e-mail us at sales@advancefundsnetwork.com.  We pride ourselves on no pressure, no sales talk, easy conversations with the goal being able to determine-quickly, if and how we can help your business.

How much money will my business qualify for?

Every business is different but, typically we are able to fund your business approximately 10% of your annual revenue.  Any more and it could potentially hurt the business, which is the last thing we want to do. Of course, this is an over simplified answer and the best way to determine how much would be to apply.

What factors are you taking into account?

We are not focusing on your credit score as there is much more to your businesses health than that. We look at time in business, location, industry type, cash flow history, etc.  We work with each business owner on a ‘one on one’ basis.  We have helped thousands of business owners with less than perfect FICO scores. We’ve helped business that just started 1 month ago, those that are still in bankruptcy, those with tax liens, etc. The only thing we cannot do is help the business that is only an idea- we are not venture capitalists in that sense. You need to be in business. If the answer to that is a yes then let’s get started! No personal loan inquiries please.

What is a Merchant Cash Advance or an Unsecured Line of Credit and how can they help my business?

Many small business owners are unable to obtain traditional bank loans because they have insufficient credit or collateral. As a result, more and more have been turning to Merchant Cash Advances and small business loans for infusions of working capital or other immediate cash needs.  It is the driving force behind the US small business economy.  The unsecured business lines are created through the cash flow payment stream created by simply operating your business. You have complete control over when the funds are released and have absolutely no obligation to ‘pull’ on the business credit line that is made available to you. This is by far our most popular product because of the flexibility it offers the business owner.