Small business funding
Business funding up to $1M, the American way.
Start in about 30 seconds. One application reaches 50+ vetted lenders, and a U.S.-based specialist reads it — not a bot.
- Checking won't touch your credit
- Free, with no obligation
- Funds in as little as 24 hours
Rather talk first? (844) 312-1444
- $2B+funded across our lender network
- 50+vetted U.S. lenders
- 24–48 hrstypical time to funds
- Up to $1Macross six programs
Our programs
Find the funding that fits.
Six programs, each with its figures on the card. Not sure which? Apply once and a specialist matches you.
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Term Loan
$10k to $1M · 1–2 days
Predictable, fixed-schedule funding for long-term business growth.
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Line of Credit
Up to $1M · 1–2 days
Draw what you need, when you need it, and pay for what you drew.
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Short-Term Business Loan
$10k to $1M · 1–2 days
For the thing that cannot wait for a longer approval.
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Working Capital Loan
Up to $1M · 1–2 days
Capital in days — not weeks — to keep operations moving.
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Equipment Financing
Up to $250k · 1–5 years
Predictable monthly payments make budgeting easy.
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Merchant Cash Advance
$5k – $500k · 24–48 hours
Payments flex with your sales — lighter in slower months.
Who we fund
Funding for the businesses that keep America running.
Independent shops to multi-location companies, across just about every trade. If it's an American business with steady revenue, it belongs here.
- Restaurants & cafés
- Retail stores
- Construction & contractors
- Trucking & logistics
- Medical & dental
- Salons & spas
- Auto repair
- Landscaping
- E-commerce
- Professional services
- Manufacturing
- Hotels & hospitality
And many more — if you don't see your industry, apply anyway.
How it works
Three simple steps to funding
No branch visit, no stack of paperwork, and no credit hit to see where you stand.
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1
Apply online
About thirty seconds, and we only ask for the essentials — so you can get back to running the business.
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2
Get pre-approved and customise
Our team reviews quickly and shares a pre-approval, then works with you to tailor terms that fit. No hard credit pull to start.
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3
Get funded
Once approved, funds are wired to your account with clear terms and no surprise fees. Usually within 24 to 48 hours.
Compare
All six programs, side by side.
The figures each program publishes, in one place. A specialist helps you weigh the offers that actually come back.
| Program | Amount | Term or repayment | Starting cost | Speed | Details |
|---|---|---|---|---|---|
| Term Loan | $10k to $1M | Up to 24 months | 6% | 1–2 days | Details |
| Line of Credit | Up to $1M | 6 months – 3 years | 4.5% | 1–2 days | Details |
| Short-Term Business Loan | $10k to $1M | Up to 24 months | 6% | 1–2 days | Details |
| Working Capital Loan | Up to $1M | Daily or weekly ACH | 4.5% | 1–2 days | Details |
| Equipment Financing | Up to $250k | 1–5 years | 8% | — | Details |
| Merchant Cash Advance | $5k – $500k | Daily or weekly ACH | 10% – 35% | 24–48 hours | Details |
Why American Business Funds
Built for American small business — start to funded.
- A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
- 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
- Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
- American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
Your specialist
A real person reads every file.
Not a bot and not a call centre. A U.S.-based funding specialist reviews your application, gets back to you with real offers, and walks you through what each one costs.
- 1–3 hrstypical time to a first review
- 50+lenders competing for your file
- $0to apply, with no obligation
Common uses
What owners use it for.
Whatever the business needs next, there's a program shaped for it.
Before you start
What you'll need to apply
Most owners have all of it on their phone already.
- A few basics about the businessName, industry, time in business and roughly what comes in each month.
- Three months of bank statementsFor most programs, that is the only document. Larger amounts may ask for a tax return.
- Credit that isn't perfect is finePrograms in the network start from a 500 FICO. Revenue and time in business count more.
Questions
Straight answers
Will applying hurt my credit score?
No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.
How fast can I get the money?
Most approved files are funded in 24 to 48 hours. Your specialist gives you an exact timeline once your file is reviewed.
What if my credit isn't great?
Apply anyway. The network includes programs from a 500 FICO, and lenders weigh the business's revenue and time trading more than a personal score.
How much can I get?
From $5,000 to $1,000,000, depending on the program, monthly revenue and time in business.
Is there a cost or an obligation?
None. Applying is free, every offer shows its full terms, and if nothing fits you simply walk away.
Are you a lender?
No. American Business Funds puts one application in front of 50+ vetted lenders and helps you compare what comes back. The lender you choose funds the business.
Get started
Ready when you are.
Thirty seconds to start, and a U.S.-based specialist on your file within hours. Or pick up the phone and talk it through first.
- (844) 312-1444
- support@
americanbusinessfunds.com - 1333 McDermott Drive, Suite 200, Allen TX 75013
