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Startup Loans & Early Stage

 

A business startup loan is a financial product designed to help individuals launch or grow a new business, typically providing a lump sum of capital to cover initial expenses such as equipment, stock, marketing, premises, staff costs, and legal needs.

Minimum Qualifications:

  • 680 Personal Credit Score or Higher

  • 2 Years of Personal Tax Returns Showing Taxable Income of $50,000 or Higher

What’s Needed:

  • Signed Application

  • Personal Credit Reports

Fast Facts:

  • No Minimum Length of Time in Business

  • No Collateral Required

  • Funding in 7 to 15 Days

Small Business Loans

 

Conventional and SBA loans and lines of credit for every business need such as equipment purchases, working capital, debt refinance, real estate purchases, change of ownership, A/R financing, and much more. 

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Minimum Qualifications:

  • 6 Months in Business or More

  • $15,000 Monthly Gross Sales or More

  • NO Minimum FICO

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Fast Facts:

  • Same Day Funding

  • Amounts Up To $5 Million

  • No Use of Funds Limitations

  • No Collateral Required

What’s Needed:

  • Signed Application

  • 4 Months Business Bank Statements​

Fix & Flip Financing

 

Fix-and-flip financing is a short-term loan for real estate investors to buy, renovate, and sell properties, with funding based on the property's after-repair value (ARV).

Minimum Qualifications:

  • 680 Minimum FICO

  • 3 successful flips in the last 36 months

What’s Needed:

  • Signed Application

  • 4 Months Business Bank Statements

  • 3 Most Recent Hud1 Statements

Fast Facts:

  • Rates Starting at 8.99%

  • Funding 80% of Purchase Price and 100% of Rehab costs​

  • 1-4 units

Residential Investment Property Financing

 

An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate to generate rental income.

Minimum Qualifications:

  • Prior History

  • Minimum Property Value of $250,000

  • 650 Minimum FICO

What’s Needed:

  • Signed Application

  • 6 Months Business Bank Statements

  • Property Details and Address

Fast Facts:

  • Express Funding- In As Little As 20 Days

  • Same Day Pre-Approval

  • Rates Starting At 8.99%

American
Business Finance
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833-215-1776

1300 I Street NW
STE 400
Washington, DC 20005
Copyright 2025
American Business Finance
All Rights Reserved

American Business Finance provides loan referral services but does not make loan, underwriting or credit decisions. This website does not constitute an offer or solicitation to lend. Providing your information on this website does not guarantee that you will be approved for a business or personal loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. The information you provide will be shared with lenders and third parties in order to process your request.

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