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The best small business loans in America!

The best small business loans in America!

Compare loan options + rates to see why America's businesses choose Amerifi first!

The Amerifi advantage

execution

Fast approval

Some online applications are approved within 24 hours.

budget

Up to $20 million

Get the capital you need for projects large or small.

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No personal guarantee

Most funding options don't require personal collateral.

credit-card

Works with bad credit

We've approved entrepreneurs with personal credit scores of 450+.

startup

Works for startups

We work with revenue-generating startups that are 3+ months old.

Learn more about funding your growth the right way with our FREE guide to the best non-bank financing options for every business situation.

CLICK HERE TO GET YOUR GUIDE

Loans for

construction-business-loan

CONSTRUCTION

Expand staff, pay suppliers, get equipment, promote your business.

dish

RESTAURANTS

Add capacity, advertise your brand, secure supplies, hire staff.

truck-business-laon

TRUCKING

Build a fleet, make repairs, pay drivers, stay compliant.

retail-1

RETAIL

Buy inventory, hire staff, run campaigns, add or expand locations.

Hospital-business-loan

HEALTHCARE

Upgrade facilities, recruit professionals, market your services, purchase equipment.

factory

MANUFACTURING

Expand production, purchase materials, upgrade supply chains, automate.

Business-Loan

SERVICES

Promote yourself, hire staff, expand your office, upgrade equipment.

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ALL OTHERS

How can Amerifi help your business today?

Loans for

construction-business-loan

CONSTRUCTION

dish

RESTAURANTS

truck-business-laon

TRUCKING

retail-1

RETAIL

Hospital-business-loan

HEALTHCARE

factory

MANUFACTURING

Business-Loan

SERVICES

settings-1

ALL OTHERS

Building a business is hard. Funding it shouldn’t be.

Why do small businesses fail?

For most, the reason is simple: they just don’t have enough money.

There are any number of reasons why your business might face a cash crunch. But there’s no reason to let it drag your company down when you can apply for and obtain a business loan today. It’s easier than ever to fund your business growth, and the reason has little to do with the big banks.

Hundreds of billions of dollars are lent to millions of businesses in the United States and Canada each year. Traditional bank loans historically provided much of this financing. Unfortunately, banks don’t lend as often as they once did.

27%

of small business applicants get loans from big banks.

Less than
1/2

of small business applicants receive loans from small banks or credit unions.

The few businesses that are approved for funding often wait for months to receive it. That’s after you’ve jumped through all sorts of time-consuming hoops, like writing a business plan, assembling detailed tax returns and accounting records for yourself and your business, and collecting all sorts of records that might date back years.

Most Small Business Administration (SBA) loans take 90 days or more to fund. Some require more than a year of processing. Many restrict your use of the funds, which means the bank will be telling you how to run your business!

Most business owners simply can’t afford to wait three months for funding. You certainly can’t afford to wait that long to be rejected, like Amerifi isn’t like the banks. We understand entrepreneurship because our leaders have built and operated businesses like yours for decades. We’re proud to support America’s entrepreneurs with the best small business loans and financing options that help you when you need it.

Our team has provided more than $150 million in small business lending to businesses in North America (the United States and Canada) since 2013.

We’ve supported many businesses that couldn’t get approved for bank loans with the capital they need to survive, adapt, and thrive in a competitive marketplace. We specialize in helping businesses with maxed-out credit lines add new lines of credit when their banks won’t provide additional funding.

We’re sometimes called one of the “alternative lenders.” We are an alternative -- and a great supplement -- to the slow loan application process, low approval rates, and tight restrictions you’ll get from the big banks.

Don't lose opportunities or risk the future of your business. You’ve got business loan options with Amerifi.

Building a business is hard. Funding it shouldn’t be.

Why do small businesses fail?

For most, the reason is simple:
they just don’t have enough money.

There are any number of reasons why your business might face a cash crunch.

But there’s no reason to let it drag your company down when you can apply for and obtain a business loan today.

It’s easier than ever to fund your business growth, and the reason has little to do with the big banks.

Hundreds of billions of dollars are lent to millions of businesses in the United States and Canada each year.

Traditional loans from traditional banks historically provided much of this financing. Unfortunately, banks don’t lend as often as they once did.

The few businesses that are approved for bank funding often wait for months to receive it.

That’s after you’ve jumped through all sorts of time-consuming hoops, like writing a business plan, assembling detailed tax returns and accounting records for yourself andyour business, and collecting all sorts of records that might date back years.

Most Small Business Administration (SBA) loans take 90 days or more to fund. Some require more than a year of processing. Many restrict your use of the funds, which means the bank will be telling you how to run your business!

Most business owners simply can’t afford to wait three months for funding. You certainly can’t afford to wait that long to be rejected, like most applicants for bank-financed business loans.

Amerifi isn’t like the banks.

We understand entrepreneurship because our leaders have built and operated businesses like yours for decades.

We’re proud to support America’s entrepreneurs with the best small business loans and financing options that help you when you need it.

Our team has provided more than $150 million in small business lending to businesses in North America (the United States and Canada) since 2013.

We’ve supported many businesses that couldn’t get approved for bank loans with the capital they need to survive, adapt, and thrive in a competitive marketplace. We specialize in helping businesses with maxed-out credit lines add new lines of credit when their banks won’t provide additional funding.

We’re sometimes called one of the “alternative lenders.” We are an alternative and a great supplement -- to the slow loan application process, low approval rates, and tight restrictions you’ll get from the big banks.

You don’t have to lose opportunities and risk the future of your business. You’ve got business loan options with Amerifi.

Learn more about funding your growth the right way with our FREE guide to the best non-bank financing options for every business situation.

CLICK HERE TO GET YOUR GUIDE

Our clients love us!

We're rated Excellent on Trustpilot, with an average of 5 stars over more than 50 reviews.

Sojourner Auguste

I worked with Maurice Haughton, who was very friendly and super helpful. He went the extra mile to make sure we got the funding needed.

Bob Berezansky

Figueroa Mountain Brewing Co.

Ed and his team were great to work with. They were extremely speedy to reply and make funding happen ASAP, with relatively little work on my end.

Tony

AJC Property Management

Chamir was great to work with. Ed also went above and beyond to ensure that I was doing right by my business. I will refer them to anyone who asks about getting working capital for their business and wants to grow and have guidance doing so.

Joe Halsell

Halsell Builders, Inc.

Eddie is the hardest working financial officer I have ever worked with. He took time to really understand our business and gave us several options. You can tell he is after “customers for life,” and not just after closing the quickest loan. This is our second round of funding with Amerifi, and we look forward to many more!

Patrice Zingaro

It was a pleasure working with Domenic. He was always available when needed, even after hours, and made the process seamless. Highly recommend Amerifi!

Cecilia McKissick

Los Defensores de Oklahoma

Excellent, prompt services.

Missy Smith

Metro Hood Cleaning

Chamir was my agent. He was extremely helpful with any questions I had and made application process very simple. He worked late hours with me. When I worked, he worked, whether it was 1am or 2pm, he was available. I would recommend this company to any business. But ask for Chamir Shivers. Thank you for all your help!

Tracy Plante

Conlon Moving & Storage

Chamir did a wonderful job informing of us the product and made the process quite simple.

Susan Rubin

If you are looking for a straight shooter, a guy that delivers on promises, Domenic is your man. My husband and I have been business owners for over 20 years, 3 cities, two countries. We don't settle for second best in any area of our lives, personal or business. This is a rep and company you can trust!

Sumit Bhatnagar

Green Brilliance

I have had a great experience working with both John and Edward. They are diligent, courteous and knowledgeable in their line of business. Perseverance is an awesome quality they both have. I highly recommend doing business with them.

Sojourner Auguste

Worked with Maurice Haughton, who was very friendly and super helpful. He went the extra mile to make sure we got the funding needed.

Bob Berezansky

Figueroa Mountain Brewing Co.

Ed and his team were great to work with. They were extremely speedy to reply and make funding happen ASAP, with relatively little work on my end.

Tony

AJC Property Management

Chamir was great to work with. Ed also went above and beyond to ensure that I was doing right by my business. I will refer them to anyone who asks about getting working capital for their business and wants to grow and have guidance doing so.

Joe Halsell

Halsell Builders, Inc.

Eddie is the hardest working financial officer I have ever worked with. He took time to really understand our business and gave us several options. You can tell he is after “customers for life,” and not just after closing the quickest loan. This is our second round of funding with Amerifi, and we look forward to many more!

Patrice Zingaro

It was a pleasure working with Domenic. He was always available when needed, even after hours, and made the process seamless. Highly recommend Amerifi.

Cecilia McKissick

Los Defensores de Oklahoma

Excellent, prompt services.

Missy Smith

Metro Hood Cleaning

Chamir was my agent. He was extremely helpful with any questions I had and made application process very simple. He worked late hours with me. When I worked, he worked, whether it was 1am or 2pm, he was available. I would recommend this company to any business. But ask for Chamir Shivers. Thank you for all your help!

Tracy Plante

Conlon Moving & Storage

Chamir did a wonderful job informing of us the product and made the process quite simple.

Susan Rubin

If you are looking for a straight shooter, a guy that delivers on promises, Domenic is your man. My husband and I have been business owners for over 20 years, 3 cities, two countries. We don't settle for second best in any area of our lives, personal or business. This is a rep and company you can trust!

Sumit Bhatnagar

Green Brilliance

I have had a great experience working with both John and Edward. They are diligent, courteous and knowledgeable in their line of business. Perseverance is an awesome quality they both have. I highly recommend doing business with them.

Choosing the right funding

Business owners have many options when it comes to obtaining funding, but it’s important to consider the reasons why might be seeking this funding before simply applying to every available lender.

The best funding options for buying new equipment may not be helpful or even attainable when you need to buy more inventory or hire more staff. A form of financing meant to help address immediate needs will have different loan terms than one structured to help your business execute on big-picture strategic initiatives.

Different loan options are designed to address different business needs, and some online lenders will specialize in providing only a few of these options.

At Amerifi, we strive to address all sorts of business funding needs for all sorts of businesses, whether it’s with short-term loans, revolving credit lines, cash advances, long-term loans with monthly payments, or one of our other financing products.

This guide will help you better understand the situations that drive many entrepreneurs to obtain business financing, and the types of business funding available from Amerifi to best address those situations.

When you need to buy inventory

Retailers and many other businesses depend on a consistent supply of products from manufacturers or wholesalers.

Your suppliers might not be willing to sell to you on net 30 or other such favorable trade credit terms that you might need to make your sales and cover your costs.

You might not be able to get as much of the stuff you need with your cash on hand.

When you need more stuff than you can afford, and you need it fast, working capital or a business line of credit from Amerifi will probably be your best financing options. Purchase order financing can also help cover your orders if you’ve booked a lot of sales but can’t collect any invoiced payments until you’ve gotten your stuff to your customers.

When you need technology or equipment

No matter what you do, you simply can’t afford to let your business technology fall behind your competition’s, not when every other small business out there can get started with all sorts of powerful cloud-based business tools for less than the cost of a monthly pizza day for the office.

This might involve upgrading your POS system, transitioning your sales team to a new CRM, getting company phones for your account managers, or even hiring developers to create a custom app for your business.

Hardware and software costs money, and those costs can scale with the complexity of your business operations.

Many businesses must also make substantial investments in equipment to stay competitive. That can mean buying a new automated tractor, adding another stamping plant to your manufacturing line, or even buying a commercial fan to cool your building.

Technology and equipment are generally considered capital expenditures, because you’ll be using that stuff for a long time. An equipment financing loan is typically the best choice, but our clients have also financed their tech and equipment purchases with a term loan or working capital advance.

When you need more (or better) space

Successful businesses inevitably need room to grow.

Even if you don’t need more space, your workforce will probably enjoy their jobs (and perform better) if you provide them with a more comfortable and well-appointed working environment.

Office furniture and supplies cost money, and buying your own stuff can require a lot of upfront capital. Renovations can also run up your costs faster than you’d expect.

Many successful businesses also choose to operate out of multiple locations as they scale, whether they’re opening new franchises or simply adding distributed office space to cover more territory.

Small business owners hunting for space for the first time often discover that commercial leases force them to shoulder a number of expenses they’ve never had to deal with when paying for a place to live.

Even experienced entrepreneurs can be hit with unexpectedly high costs for their space when trying to scale to the next level.

If you’ve got major costs involved in renovating or upgrading existing workspace, you might want to consider a revolving business line of credit, which is often secured by your business’ real estate, accounts receivable, unsold inventory, or equipment. A term loan can also be a good choice to fund an expansion into new real estate for more established businesses.

Smaller expenses might be handled with a cash advance or working capital financing.

When you’re hiring or training employees

The job market is tighter than it’s been in decades, which means you’re going to face a ton of competition every time you try to hire qualified talent.

The rock-bottom pay rates many millennials grimly accepted after the economy tanked in 2009 won’t cut it in 2019.

You might have to hire people who have less than ideal skill sets for their roles.

You might also have to train your current staff to do certain mission-critical things more effectively, like sales or customer service, in order to scale.

Finding, paying, and training employees is the single largest line-item expense for nearly all service-based businesses, and for many other businesses as well.

A working capital advance is one of the easiest and fastest financing options you can obtain, giving you the greatest possible chance of success. Lines of credit and term loans can also be beneficial for more established businesses.

When you need to promote your business

Your business has competitors no matter what it does, so you’ve got to stand out in order to grow. That means you’ve got to brand and promote your company.

Coca-Cola isn’t worth billions because people need fizzy sugar water in their lives.

Coca-Cola stays on top of its industry, with billions of dollars in annual revenue, by spending billions of dollars on advertising and marketing every year.

We’re not saying you need to spend billions, but you can’t spend nothing on marketing if you’re trying to grow.

Working capital, a revolving credit line, and a term loan can all help your business address its marketing needs, depending on how much marketing you need as well as your business’ financial track record and current cash flow.

When you’ve got big contracts or orders to fill

You just landed a huge client! How are you going to fill their order?

They need ten times as much stuff as you have or can pay for out of pocket, but you can’t ship their stuff over piecemeal, because they need all of it right away.

There are certain types of loans designed to handle this particular situation, allowing you to service that massive contract properly. Purchase order financing and invoice factoring are each tailored for different ends of this issue, whether you need help to pay for everything you've sold, or if you've already delivered and are waiting on payment. We also offer specialized government contract financing for businesses that supply government agencies.

When you’ve got overdue bills or tax liens

There are always going to be more bills to pay, whether you’re taking care of contractors, suppliers, or Uncle Sam (or the Canadian government, which doesn’t have a similar bearded avatar of national pride).

A business cash advance is a useful general-purpose loan for this sort of situation, but more established companies might want to consolidate their high-APR payments and other risky bills with term loans, which offer low interest rates and monthly repayment terms like bank loans, with similarly large loan amounts often available. Term loans offered by alternative lenders have a much faster approval process than similar funding from traditional banks.

When you need to build your business credit

Many entrepreneurs aren’t aware that businesses can build a credit score that’s completely separate from their personal credit score and history.

Simply applying for a business credit card isn’t usually enough for new businesses. Card issuers often tie these accounts to your personal credit score when you’re getting started, depriving you of the opportunity to build strong credit for your business.

Entrepreneurs with newer businesses are often required to provide personal guarantees with their loan applications, which makes such small business loans really more a form of personal loan -- with all the risks that involves for your personal credit score.

We don’t see many applicants who want business financing solely for this reason, but long-term loans with low interest rates are typically the best products.

This often restricts small business owners to term loans or revolving business lines of credit, which are typically only available to owners with excellent credit histories. However, a business cash advance is typically much easier to obtain, as most businesses with at least $120,000 in annual revenue -- or $10,000 in average monthly revenue -- will be eligible for this form of financing.

Don’t take out a personal loan to fund your business growth if you can avoid it! Talk to us today to find out how you can use business funding the smart way, building business credit as you grow.

When unexpected events change your business landscape

Floods, fires, earthquakes, hurricanes, and other catastrophic weather events have hurt thousands of businesses across North America in recent years. These “acts of God,” as insurance companies like to call them, will always be a risk, no matter where you are or what you do to prepare.

You might also unexpectedly lose your best client or come under pressure from new government regulations. Your top sales rep could quit. A supplier could lose a critical shipment.

You can’t plan for everything, but you can be prepared for the worst.

Bank loans, with their long processing times and stringent requirements, aren’t good solutions for unexpected business expenses and challenges.

A working capital advance can help smaller or newer businesses handle unexpected issues, but any Amerifi financing product can help you get out of a bad situation if its structure addresses your particular needs. Businesses with more history can get an unsecured line of credit nearly as quickly as they might get a cash advance, and businesses with unpaid accounts receivables can obtain invoice factoring quite quickly as well.

Want to know more about financing your business growth?

Everything you need is in our guide.

Businesses Funded
Total Funded
290+
$150,000,000+

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