Answers to your funding questions

Yes. The online application takes about three minutes, decisions come back in minutes, and once your file is finalized funds are typically sent the same business day. Applications completed early in the day with bank statements attached are the most likely to fund same day.

Qualified businesses can access funding from $10,000 up to $5,000,000. The amount depends on your monthly revenue, time in business, and overall financial health — as a rule of thumb, most businesses qualify for roughly 70% to 120% of their monthly revenue. The fastest way to find out your specific offer is to complete the quick online application.

To get started we typically ask for your three most recent business bank statements along with some basic information about your business and its owner. Larger or longer-term requests may require additional documentation, and your dedicated specialist will tell you exactly what's needed.

No. We run a soft credit check, which does not impact your credit score. There are no fees, charges, or obligations associated with obtaining a pre-approval, and a pre-approval does not constitute a funding commitment.

Often, yes. Because Affirmative Funding is a direct lender that underwrites on revenue and cash flow rather than credit score alone, business owners with past credit challenges are regularly approved. Businesses with $20,000+ in monthly revenue and consistent deposits are strong candidates even with a lower score.

Rates for qualified businesses start at the prime rate, and repayment terms extend up to five years. Your specific rate and term depend on your business profile and the funding product that fits you best. We always present clear terms with no hidden fees before you commit.

We offer short-term working capital, revenue-based financing (merchant cash advance style, with repayment tied to your sales), business term loans of up to five years, SBA loans, and equipment financing. Your specialist will match you with the option that fits your goals and timeline.

We fund a wide range of industries, including retail, restaurants and hospitality, construction and contractors, trucking and transportation, healthcare and medical practices, auto repair, salons, e-commerce, professional services, and manufacturing. If you're unsure whether your business qualifies, reach out — we're happy to take a look.

No. Applying and receiving a pre-approval is completely free, with no obligation. You only move forward if you're comfortable with the terms we present.

Repayments are designed to stay aligned with your cash flow — qualifying businesses can repay as little as about 5% of their monthly revenue. We structure payments around how your business actually operates, so funding works with you rather than against you.

Affirmative Funding is a direct lender. We fund from our own capital and make our own decisions, which means faster answers, no broker fees, and clearer terms than going through a marketplace or middleman.

Absolutely. Every file is assigned a dedicated funding specialist who stays with you from application through funding, so you always have a real person to answer questions and guide you.