Financing Programs

Working Capital Loans

Up to $2MM. No Collateral. No Restrictions.

When your business needs capital for operations — not just equipment — AFG's Working Capital program delivers fast, flexible funding with minimal documentation. Use funds for any business purpose, with terms designed around your cash flow.

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Up to $2M
Max Amount
3-18 mo
Terms
Up to 24 hr
Fast Funding

Overview

Flexible Business Funding

AFG's Working Capital program is designed for speed and simplicity. With just a one-page application and 3 months of bank statements, you can access up to $2MM in unrestricted business funding. No collateral required.

Use funds for payroll, inventory, marketing, seasonal needs, or bridging cash flow gaps between contracts.

Program Overview

Working Capital Loans

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

Use Funds For

No Restrictions on Use

Payroll and staffing
Inventory purchases
Marketing and business development
Seasonal operational needs
Bridge financing between contracts
Equipment down payments

Ideal For

Is Working Capital Right for You?

Businesses needing cash flow to bridge seasonal fluctuations
Companies waiting on receivables or delayed government payments
Operators pursuing time-sensitive opportunities that require quick capital
Businesses supplementing equipment purchases with operational funding
Companies managing growth-related cash flow gaps

How It Works

Simple Process, Fast Funding

01
Quick Application
Day 1

Complete a simple one-page application with 3 months of bank statements.

  • One-page application
  • 3 months bank statements
  • No tax returns needed
  • Submit in minutes
02
Fast Review
Day 1-2

Our team reviews your application and provides a funding decision quickly.

  • Same-day review
  • Clear terms communicated
  • No hidden fees
  • Flexible options
03
Approval
Day 1-2

Receive approval with clear terms and funding timeline.

  • Transparent pricing
  • No surprises
  • Flexible repayment
  • Dedicated support
04
Funding
Day 2-3

Funds deposited directly to your business account.

  • As fast as 48 hours
  • Direct deposit
  • No restrictions on use
  • Ongoing support

Questions

Frequently Asked Questions

Working capital financing provides short-term funding to cover day-to-day business operations. Unlike equipment financing, these funds can be used for any business purpose — payroll, inventory, marketing, or bridging cash flow gaps.
Equipment financing is tied to a specific asset purchase. Working capital is unrestricted — you can use it for any business need. Terms are typically shorter (3-18 months) and the application process is streamlined.
Just a simple one-page application and 3 months of business bank statements. No tax returns, no financial statements, no lengthy underwriting process.
We can fund working capital loans in as fast as 48 hours from application. Most deals close within 2-3 business days.
No. Our working capital program does not require collateral, making it accessible for businesses that need fast, flexible funding.

Get Started

Let's Get Started

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

Speak with a Specialist Schedule a Call