American Biz Funding exists to connect operating businesses with the capital they need to grow. We work with operators that traditional banks turn down or ignore — not because they don't deserve capital, but because they don't fit underwriting models designed for corporations rather than real small businesses.
We approve based on real cash flow, not formal credit history. We require three months of business bank statements — no tax returns, no business plan, no projections. The bank statements tell the story underwriting needs.
Most lenders require perfect credit, multiple years of tax returns and complete business plans. We understand that most operating small businesses don't fit that mold. Speed matters. Cash flow matters.
American Biz Funding is part of a national network of business funding brands serving operators across the United States. We serve operators nationwide. We've been serving small business operators since 2024.
Construction & contractors, restaurants & food service, trucking & logistics, healthcare practices, retail & e-commerce, auto repair, manufacturing, professional services, beauty & wellness, hospitality & tourism.
All terms disclosed in writing before signing. No upfront fees to apply. Equal Credit Opportunity Act compliant. We don't fund businesses for purposes that violate federal or state law.
Apply online in a few minutes. No obligation.
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