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Working Capital Loans

Minimum Qualifications:
  • 4 Months in Business
  • $10,000 Monthly Sales
  • No Collateral Required
  • No Minimum Credit Score​

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Fast Facts:
  • Same Day Funding
  • Up to 10-Year Terms

  • Amounts Up To $5 Million

  • No Use of Funds Limitations

What’s Needed:

  • Signed Application

  • 4 Months Business Bank Statements​​

Line of Credit

Minimum Qualifications:

  • 6 Months in Business 

  • $10,000 Monthly Gross Sales 

  • 600 FICO

Fast Facts:

  • Same Day Funding

  • Amounts Up To $5 Million

  • Flexible Repayment Terms

  • Interest Only Paid on Amount Used

What’s Needed:

  • Signed Application

  • 6 Months Business Bank Statements

Residential Investment Property Loans

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%

Startup Loans
 Minimum Qualifications:
  • 680 FICO
  • $50,000 in taxable income in each of the last 2 years
Fast Facts:
  • 5 or 7 year term
  • Rates range from 9-15%
  • No minimum length of time in business
  • No assets or collateral required
  • No prepayment penalty
What's Needed:
  • Loan Application
  • 2 years Personal Tax Returns 
Equipment Loans

Minimum Qualifications:

  • No Minimum Time in Business

  • No Minimum Gross Sales

  • 580+ Minimum FICO

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Fast Facts:

  • Funding In As Little As 2 Days

  • Low or NO Down Payment

  • 1-5-Year Terms

What’s Needed:

  • Signed Application

  • 4 Months Business Bank Statements

  • Invoice of Quote for Equipment

Fix & Flip Loans

Minimum Qualifications:

  • 680 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

  • Monthly Payments

  • 1-4 units

American Business Finance
6047 Tyvola Glen 

Charlotte, NC 28217

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. Your actual interest rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lending partner. The information you provide will be shared with lenders and third parties in order to process your request.

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