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Fast approvals

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No collateral (most)

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Same-day funding

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Clear, transparent terms

Funding options to fit your business

From working capital to equipment financing - pick the funding option that matches your needs.

How it works - the AmeriFirst way

Apply in minutes, compare transparent offers, and receive funds fast - guided by specialists at every step.

Step 1

timer Apply in minutes

Tell us a bit about your business, your timeline, and the amount you’re seeking. It’s a quick form that helps us tailor options to your cash flow - without a hard credit pull or impact to your score.

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Step 2

content_paste_search Review your options

Using your revenue and timing, we present tailored financing offers that align with your cash flow. Compare clear terms, rates, and durations, then choose confidently - there’s no obligation to proceed and no cost to review your matches.

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Step 3

thumb_up Get funded

Pick the offer that fits best and e-sign in minutes; we verify details and initiate funding. Many approvals fund the same day via ACH or wire - timing varies by bank and cutoff hours; we keep you updated.

What sets us apart

At AmeriFirst, we move at the speed of your business - without shortcuts or surprises. Our specialists learn your goals and cash-flow rhythm, then pair you with financing that fits how you actually operate. You’ll see clear, side-by-side options and real guidance at every step.

We focus on clarity, speed, and fit. That means a streamlined application, transparent terms you can explain in a sentence, and funding timelines measured in hours or days - not weeks. Pre-qualification is a simple matching system, so you can explore confidently without affecting your credit score.

  • check_circle Transparent terms with no surprises
  • check_circle Fast decisions; funding as soon as the same day
  • check_circle A dedicated specialist from apply to funded
  • check_circle Options for a range of credit profiles
  • check_circle Use funds where they help most—equipment, inventory, payroll, and more

Why businesses choose AmeriFirst Financing

Real business owners on speed, service, and outcomes with AmeriFirst - straight from our customers.

“I appreciated how AmeriFirst didn't treat us like just another number. As a childcare business, it's hard to get approved — but they worked with us, explained our options, and delivered. The funding let us renovate two classrooms and increase capacity.”

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Denise H.
Owner | Bright Minds Learning Center | Orlando, FL

“Getting started as a beauty brand, I needed startup funds for inventory and packaging. AmeriFirst came through when my bank didn't. They were fast, responsive, and made me feel confident every step of the way. I've already referred two friends!”

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Jasmine T.
Owner | Glow & Go Cosmetics | Chicago, IL

“I was skeptical at first, but the team at AmeriFirst was professional and didn't pressure me into anything. They explained everything clearly and gave me time to decide. I took a small working capital loan and it helped me hire a part-time tech.”

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Marcus V.
Founder | Prime Auto Detailers | Charlotte, NC

“We had a large event contract coming up and needed quick access to funds. AmeriFirst's process was smooth, and we were funded in under 48 hours. Their team answered all our questions and followed up after. Top-notch experience all around.”

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Tanya S.
Co-Owner | Blue Horizon Events | Seattle, WA

“As a seasonal business, cash flow dips can be brutal. AmeriFirst helped us secure a merchant cash advance that covered marketing costs during our slow period. We hit record bookings this summer and paid it back early. Great service and flexible terms.”

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Rachel K.
CEO | Coastline Spa Services | San Diego, CA

“AmeriFirst took the time to understand our business. We weren't a cookie-cutter client, but they found a funding solution that worked for us. Their referral program also gave us an unexpected bonus when we sent another business their way.”

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Henry L.
Managing Member | TriState IT Solutions | Newark, NJ

“We were hesitant about taking on funding, but AmeriFirst's team was helpful without being pushy. They walked us through every option and answered every question. The process was transparent and the funding helped us expand our seating and hire two more staff.”

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Sierra D.
Managing Partner | Urban Bistro | Austin, TX

“We applied for a line of credit and had multiple offers within hours. The rep helped us compare terms and select the one that made the most sense for our cash flow needs. We've already used it twice and it's been seamless.”

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Tyler B.
Operations Manager | Southpoint Delivery Co. | Phoenix, AZ

“AmeriFirst made the entire funding process incredibly easy. From the first call to the final approval, everything was clear and fast. We received the working capital we needed within 24 hours and were able to take on more contracts almost immediately.”

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Alex M.
Owner | Redwood Landscaping | Denver, CO

“When our printer lease fell through, we needed fast equipment financing. AmeriFirst got us approved the same day and funds were in our account by morning. Great communication and no surprises. We're now fully operational again thanks to them.”

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Lamar J.
Co-Founder | NextGen Print | Atlanta, GA