Working Capital Loans

Up to $2MM. No collateral. No restrictions.

  • Fast access to working capital funding

  • Simple 1-page working capital loan application

  • Unsecured financing with funding in as fast as 48 hours

Learn more about N4

Overview

Short-Term Operating Capital Built for Real Business Needs

Cash flow shifts. Expenses come up. Opportunities do not wait.

AFG's working capital loans provide short-term business financing to help manage daily operational needs without long-term commitments or unnecessary complexity. Our unsecured working capital loan program requires minimal documentation and follows a simple application process designed for speed and simplicity.

This accessible solution supports real business needs when timing matters, offering a practical alternative to traditional financing with flexible terms aligned to how businesses actually operate.

Program Details

AFG's Working Capital Loans program offers flexible, short-term financing features designed to support real business needs without unnecessary complexity.

Program Overview

Working Capital Financing

Transaction Size

Up to $2MM

Term Length

3 to 18 months

Application

Simple 1-page application

Documentation

Only 3 months bank statements

Collateral

Not required

Funding Speed

As fast as 48 hours

Prepayment

No prepayment penalties

Credit

Challenged credit accepted

Why It Works

Speed

From application to funding in as fast as 48 hours. No lengthy underwriting delays.

Simplicity

One page. Three months of bank statements. That's all it takes to get started.

Accessibility

Approvals driven by cash flow — not tax returns, not collateral, not perfect credit.

Flexibility

Terms from 3 to 18 months with weekly payment options and no prepayment penalties.

Flexible Use

Use Funds Without Restrictions


Working capital can be used for virtually any business purpose tied to ongoing operational needs, including:

Accessibility

Designed To Be Easy

Designed to remove many of the common barriers associated with traditional financing, AFG's working capital loan program offers:

Approvals and rates are driven primarily by current cash flow rather than credit history alone, making this solution accessible to a wider range of businesses.

No Collateral Required

Unsecured financing based on business cash flow — no assets on the line.

No Tax Returns Required

Minimal documentation. Just 3 months of bank statements to get started.

Funding in 48 Hours

Fast approvals and fast funding — designed for whentiming matters.

Cash Flow Underwriting

Approvals driven primarily by current cash flow, notcredit history alone.

Questions & Answers

Frequently Asked Questions

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Get Started

Let's Get Started

The process begins with a short conversation followed by a simple working capitalloan application that takes just minutes to complete.

Access working capital loans without slowing your business down.

Speak with a Specialist