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AllFi offers you a range of unsecured business loans.
We will get you funding even if you lack collateral or have a poor or scant financial history.

Once your business loan is approved, one of our helpful experts will contact you to review your available loan term options. You select the option that best fits your company’s needs and budget.

Typical Loan Repayment Terms

1 – 5


No prepayment penalty

Refinancing available

Convenient automatic payment

Interest is tax-deductible

Typical Term Loan Use

  • Grow and expand the business
  • Purchase inventory
  • Upgrade equipment
  • Hire new staff
  • Open new locations
  • Take advantage of opportunities
  • Reinvest in operations
  • Refinance debt

Annual Percentage Rates

6.8% – 38%

Documents Needed

  • Most current year-to-date financial reports, including:

  • Balance Sheet
  • Profit & Loss (Income Statement)
  • Detailed and Aging Accounts Receivable and Accounts Payable reports


Complete flexibility! Borrow money as needed and pay interest only on the portion of money borrowed, with no prepayment penalty. Affordable minimum monthly repayments – you decide how quickly to repay.

In a competitive market, your business needs the financial flexibility to seize business opportunities or handle sudden emergencies as they arise. Obtaining a line of credit should be a goal for every business owner. Once set up, the credit line is there whenever you need it.

Most Lines Of Credit Can Be Secured By

  • Account receivables and invoices
  • Real estate
  • Personal assets
  • Machinery and equipment
  • Inventory

Typically Used For

  • Funding special projects
  • Paying down and consolidating other debt
  • Buying inventory or equipment
  • Financing marketing campaigns
  • Meeting spending needs
  • Reinvesting in operations
  • Hiring staff

Credit Building Product

Using a Business Line of Credit is an excellent way to build your credit score. If you make timely payments, your credit can increase dramatically. Improving your credit score can lead to a larger credit limit and a lower interest rate.

See our Resource Center for more information on how to increase your credit score.

Documents Needed

  • Most current YTD Financials:

  • Balance Sheet
  • Profit & Loss (Income Statement)
  • Detailed and aging Accounts Receivable and Accounts Payable reports


U.S. government-guaranteed small-business loans with low interest rates and long-term repayment schedules.

Get up to $5.5 million to fund your business. Most businesses qualify if they:

  • Have a credit score of at least 600
  • Have been in business for at least two years, or have business management and industry experience
  • Operate within the U.S. in an approved industry as a for-profit business
  • Are a small business as defined by the SBA

SBA loans can be used for most business purposes like working capital and capital expenditures. 


Loan Amount

$0 100Up to $5.5 Million

Interest Rate

5.25% – 7%

Use Of Funds

  • Working capital
  • Debt refinancing
  • Hiring employees
  • Purchasing equipment
  • Purchasing commercial real estate
  • Business expansion
  • Operational expenses
  • Marketing


Easy. Fast. Transparent. Secure.
Receive a lump sum advance. Most small businesses qualify.

A merchant cash advance is not a loan and it won’t appear on your credit report. It’s a contractual agreement where you sell a portion of your future receivables to Merchant Cash Advance providers. Whether you’re newly-established or credit-challenged, our Merchant Advance Program resolves your cash flow needs. A greater emphasis is placed on historical cash flows rather than credit score. Cost of capital is typically higher than a loan’s because of the lack of collateral.

Simple process

High approval rates

Same day funding

Leading rates

All credit scores


  • We’ve built a streamlined application that makes it easy to share information about you and your business.
  • Our team of funding specialists will review your financial profile and get back to you within three hours.
  • Once approved, you’ll receive an offer that clearly indicates the advance amount and terms. You can then expect to have the funds wired to your business bank account within 24 hours.

How Does An AllFi Merchant Cash Advance Work?

You agree to sell us a specified portion of your future receivables at a specified discount. You also select how to pay out the receivables to us. We can withhold a small, fixed percentage of your future credit card receipts until the cash advance is completely paid off, or we can deduct a fixed amount each day from your bank account. After selecting the payment method, sign the AllFi Merchant Cash Advance contract. You will receive a lump-sum cash payment in your business account within 24 hours.

Typically Used For

  • Operational expenses
  • Special situations
  • Inventory
  • Rescue Financing
  • Inventory
  • Marketing
  • Opportunity capital
  • Bridge financing

Typical Term Loan Use

  • Four most recent business bank statements

  • Three recent monthly processing statements (if applicable)