Why United States Operators Need Capital That Moves at United States Speed
United States runs faster than the rest of the country. The state added a net 320,000 new residents in the last twelve months, which fuels demand across hospitality, construction, retail, professional services and healthcare in real time. That speed gap is exactly what American Biz Funding closes.
Funding decisions are made on three months of business bank statements — not tax returns, not collateral, not a multi-year financial projection.
Funding Programs Available to United States Businesses
We deploy capital through the funding structure that fits each operator best:
- Business Line of Credit (revolving access, draw as needed)
How Funding Amounts Are Sized for United States Businesses
Funding amount typically maps to monthly revenue:
Approved amount also factors in time in business, average daily balance, deposit consistency, NSF history, and existing debt service. Strong bank-statement health on a smaller revenue base often beats sloppy bank-statement management on a higher revenue base.
United States Industries We Fund Most
Restaurants & food service · Construction & contractors · Retail & e-commerce · Healthcare & medical practices · Tourism, hospitality & lodging · Auto repair & service · Professional services (legal, accounting, consulting) · Beauty & wellness · Real estate services · Trucking & logistics · Manufacturing.
We fund operators in nearly every legal industry.
Application Process — 5 Minutes Online
- Submit a 5-minute application with basic business information.
- Upload three months of business bank statements (PDF download from your bank).
- Sign electronically.
What Sets Us Apart from United States Banks and Generic Online Lenders
Banks underwrite United States businesses against models built for businesses in markets that aren't United States. They expect 2-3 years of tax returns, audited financials, hard collateral, and 60-120 days of underwriting time. None of that fits the cadence of a United States operator who needs to bid on a contract this week or stock inventory before peak season.
We sit in the middle: fast like an online lender, large like a bank, with underwriting that knows United States.