About Us

We believe small businesses are the growth engine of our economy, and their entrepreneurial spirit is to be admired and supported. However, without sufficient working capital, many of these businesses would grind to a halt. Around here we believe that small business has been overlooked. There’s been plenty of bailouts, special programs and new regulations, but very little that makes doing business any easier – especially getting access to working capital.

In our new, heavily regulated banking environment, getting a business loan is much more difficult. Loans take much longer to get approved, require much more security or collateral, and are more expensive. Credit cards are also more expensive, and no longer can be relied on as a working capital line.

The non-bank working capital solution.

American Financial has one objective – to get you the working capital you need. We strive to do this quickly, professionally, and with as few hassles as possible – so you can focus on the most important things; like operating and growing your business. American Financial is NOT a bank. We do things differently. We know that you need to solve problems quickly. We also know that you need capital, not just when times are good, but when times are tough as well. We know that the worth of your business is much more than your credit score.

We provide fair and transparent working capital solutions for business professionals who do not want the hassle of applying for bank loans. We take the time to get to know your business and provide you with working capital based on your business' cash flow rather than tying you up with personal guarantees and liens. When banks do this we feel this is their way of saying they don't have time to get to know you so they are going to assume the worst by taking as much collateral and guarantees as possible. This is not good for small business and for our economy.

We pride ourselves on our quick and professional service. It usually takes seven business days or less to get you the working capital you need.

Key Features of our working capital solutions:

• NO personal guarantee, liens or collateral required.
• NO fixed payment / NO fixed term.
• Fast approval and funding.
• NO fees of any kind – period!
• NO impact to your personal credit bureau.

American Financial has assisted many small business owners get the working capital they need for their business. We would be proud to help you!