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AMERICAN FINANCE SOLUTIONS

“Funding Small Business is Our Business.”
(800) 760‐5516

Available Collection Methods

Required Items for Submission

$5,000 ‐ $200,000
(Up to $500,000 for 
Multiple Locations)

$5,000 ‐ $20,000
(50% of Average 
Credit Card Processing)

550

No Credit Check Required

12 Months

4 Months

Split Collection
Fixed ACH
Lockbox

Minimum Time in Business

FAST CASH
PROGRAM

4 Months

Minimum FICO Score

LOAN
PROGRAM

No Minimum

Funding Amounts

MERCHANT CASH ADVANCE
PROGRAM
$5,000 ‐ $200,000
(Up to $500,000 for 
Multiple Locations)

AMERICAN FINANCE SOLUTIONS

Fixed ACH

Split Collection

Signed Application
3 Most Recent Months 
Credit Card Processing Statements
2 Most Recent Months 
Business Bank Statements

Signed Application
Signed Application
3 Most Recent Months 
Business Bank Statements

3 Most Recent Months 
Credit Card Processing Statements
2 Most Recent Months 
Business Bank Statements

PROGRAM GUIDELINES
* Factor Rates as Low as 1.15
* Contract Terms Up to 12 Months
* No Restriction on the Use of Funds
* May Not Be More Than 30 Days Past‐Due on Business Location's Rent/Mortgage
* No Open BK Proceedings
* Judgements/Liens Must Be Less Than $100K
* No Points, Upfront Fees, Application Fees or Processing Fees
* All Submissions Subject to Underwriting Approval
* Fast Cash Program Requires No Existing Merchant Cash Advance Balance

RESTRICTED INDUSTRIES      (Requires 2 Years in Business & 12 Months Statements)
* Seasonal Businesses
* Gas Stations
* Internet/Mail Order/Phone Order
* Building Materials
* Contractors/Home Improvement
* Wireless Service/Cell Phone Sales
* Chiropractic Offices

* Bridal Retailers
* Large‐Ticket Retailers
* Advertising/Public Relations
* Furniture/Home Furnishings
* Tanning Salons
* Home‐Based/Ecommerce
* Banquet Facilities/Catering

* Property Management
* Weight Loss/Fitness Centers
* Limousine/Shuttle/Transportation
* Automotive/Motorcycle/RV Sales
* Insurance Agencies
* Child Day Care Centers

PROHIBITED INDUSTRIES
* Adult Entertainment
* Medical Marijuana
* Retail Tobacco Shops
* Debt Collectors/Collection Agencies

* Financial/Mortgage Brokers
* Import/Export/Freight Forwarders
* Direct/Multi‐Level Marketing
* Attorneys

* Non‐Profit Organizations
* Gambling/Gaming/Bookmaking
* Travel Agencies
* Lenders

SUBMIT TO:   funding@afsfunding.com or via fax to 866‐822‐0260
FUNDING APPLICATION
505 N. Euclid St. Suite 620, Anaheim, CA 92801
FAX TO:
Toll free: 800-760-5516
Tel: 714-765-8141
866-822-0260
info@americanfinancesolutions.com
www.americanfinancesolutions.com
Sales Rep. ID: ____________

AMERICAN FINANCE SOLUTIONS

Submit by Email

Print Form

Please fill in the spaces below, sign and mail or fax us the application. By doing so, you are giving American Finance Solutions, as well as its agents and affiliates, permission to review your
business and personal credit history in order to provide you with formal funding approval. All information supplied is confidential and shall be used solely for the purpose of determinining eligibility.
Business Legal Name:

Business DBA Name:

Address:

Suite / Floor:

Phone:

City:

Fax:

Business Start Date (month / year):

State:

Mobile:
Length of Ownership:

Zip:

Tax ID #:

Legal Entity:

Corp

Sole Prop

LLC

Partnership

Industry Type:
E-mail:

Website:

Landlord / Mortgage Company:

Rent / Mortgage Payment:

Lease Expiration:

Landlord Contact Name:

Landlord Contact Phone:

Landlord Contact Fax:

T
R
A
D
E

R
E
F
E
R
E
N
C
E
S

Company Name:

Contact:

Telephone:

Company Name:

Contact:

Telephone:

Company Name:

Contact:

Telephone:

PRINCIPAL / OWNER DETAILS
Principal (1) Name:

Mr

Mrs Title:

Address:

% Ownership:

City:

Phone:

Fax:

State:

Mobile:

E-mail:

Social Security #:

SIGNATURE:

Principal (2) Name:

Mr

DATE:

Mrs Title:

Address:

% Ownership:

City:

Phone:

Fax:

State:

Mobile:

E-mail:

Zip:

Zip:

Social Security #:

SIGNATURE:

DATE:

FUNDING DETAILS
Desired Advance Amount:

Minimum Advance Amount:

Average Ticket Size:

Average Monthly Visa/MasterCard Sales:

Average Monthly Total Sales:

Proposed Use of Funds:

Current Processing Company:

Bank Name:

Account Number:

Routing Number:

Merchant Account Number:

AMEX Account Number:

Discover Account Number:

Has applicant ever been in bankruptcy?:

YES

NO

Are any suits/judgements/liens pending against the applicant:

YES

NO

Do you have an OPEN cash advance?
If YES, with who:

YES
NO
Balance:

Have you used a cash advance plan before?:
If yes, with who:

YES

NO
 

 

SUBMISSION    CHECKLIST 
 

 

ATTN: 

FROM: 

DATE: 

AGENT ID#: 

FAX:   866‐822‐0260 

TIME: 

 

SUBMIT DEALS BY EMAIL TO :     funding@americanfinancesolutions.com 
 

** MINIMUM  SUBMISSION  REQUIREMENTS ** 
Merchant Cash Advance Programs 
                Complete & Signed Application 
                3 Months Most Recent Credit Cards Processing Statements     (12 months if Seasonal) 
                2 Months Most Recent Business Bank Statements 
 
Loan Program 
                Complete & Signed Application 
                3 Months Most Recent Business Bank Statements     (12 months if Seasonal) 
 
 

** ADDITIONAL  DOCUMENTATION  INCLUDED ** 
 
                Proof of Ownership  
                Clear Copy of Merchant(s) Driver's License or ID 
                Voided Check  (For Included Business Bank Account) 
 

American Finance Solutions          800‐760‐5516          www.americanfinancesolutions.com 
 

 

Deal Process 

Submission

• Submit Deals By Email:  funding@americanfinancesolutions.com
• Submit Deals By Fax:  866‐822‐0260
• Agent Receives Confirmation of Submission Through the Agent Portal

• Once Received, the Account Executive Will Contact You Within One Business Day 
for Approval
• Notify your Account Executive of Merchant's Accepted Quote. The Account 
Pricing & Funding  Executive will Email out the Funding Documents with a List of All Remaining 
Stipulations Needed
Documents

Verification

Funding &  
Follow‐Up

• Signed Contracts & Stipulations are Returned and the File is Submitted to the 
Verification Department
• Verifications Completes:  Landlord, Trade Reference and Welcome Calls

• Merchant Receives Funds via Wire
• Merchant Recevies Welcome Call from AFS Customer Service ; Recevies Portal 
Login
• Customer Service Follows Up with Client Every 30 Days

 
American Finance Solutions          800‐760‐5516          www.americanfinancesolutions.com 
 

 

Approved Processing Partners 
The list below includes the Credit Card Processing companies that AFS is approved 
to Split with along with their customer service numbers and contact websites. 

PROCESSOR 
Amerimerchant 

PHONE 
(800) 267‐3790 

WEBSITE 
www.amerimerchant.com 

Atlantic‐Pacific Processing 

(800) 635‐3545 

www.approcessing.com 

Bank Card Central 

(800) 331‐8882 

www.bankcardcentral.com 

Card Flex 

(866) 634‐3044 

www.cfinc.com 

Cynergy Data 

(800) 933‐0064 

www.cynergydata.com 

EVO Platinum 

(866) 373‐2249 

www.goevo.com 

First Data (Omaha Platform Only) 

(800) 735‐3362 

www.firstdata.com 

Forward Line 

(866) 623‐4900 

www.forwardline.com 

Integrity Payment Systems 

(888) 477‐4500 

www.integritypaymentsystems.com 

iPayment 

(800) 716‐9642 

www.ipaymentinc.com 

Meritus 

(888) 851‐7558  

www.merituspayment.com 

One Pay 

(866) 810‐5876 

www.onepayusa.com 

PayProTec / NAB 

(800) 360‐2591 

www.payprotec.com 

Pinnacle Processing Group 

(502) 774‐7679 

www.pinncaleprocessing.com 

PowerPay 

(877) 877‐3737 

www.powerpay.biz 

Priority Payment Systems 

(800) 935‐5961 

www.prioritypaymentsystems.com 

Sage Payments 

(800) 261‐0240 

www.sagepayments.com 

TransFirst 

(877) 608‐6599 

www.transfirst.com 

US Merchant Systems 

(800) 655‐8767 

www.usms.com 

Vision Payment Solutions 

(877) 674‐2286 

www.visionpayments.com 

 
 

American Finance Solutions          800‐760‐5516          www.americanfinancesolutions.com 
 

Frequently Asked Questions 
 What can American Finance Solutions do for my business?  
 
 Why should I deal with American Finance Solutions? 
 
 How can I use the cash? 
 
 How does it work? 
 
 What is the interest rate? 
 
 Will I qualify? 
 
 How long does it take to get approved? 
 
 How much can I qualify for? 
 
 How soon can I have the cash? 
 
 Will I be able to monitor my account payments and balance? 
 
 How often can I get funding?

___________________________________________________________________________________
American Finance Solutions
800-760-5516
www.americanfinancesolutions.com
 
 

 
What can American Finance Solutions do for my business? 
 
We offer you a way to improve your business financial situation by accessing cash now. 
It’s not a bank loan where credit decisions are solely based on credit score, so you’re 
much more likely to be approved, and your cash becomes available to you quickly. 
 

Why should I deal with American Finance Solutions? 
 
We have several flexible funding programs to meet your unique 
situation. Our customer service is unparalleled and you will be dealing with 
an assigned Account Executive directly on each and every advance. AFS offers a fast, 
smooth and uncomplicated process of submission to funding in under 5 business days. 

 
How can I use the cash? 
 
Use the cash any way you see fit, there are no restrictions on how you use the capital!  
You're the business owner, so you know the best utilization of the funds to improve and 
increase success for your business. Customers typically use the cash to support or 
upgrade their business in some way. Maybe complete needed repairs or increase 
inventory. Maybe expand your current location or add a new one. Better yet, you’d like 
to seize an opportunity before a competitor does. 

 
How does it work? 
 
American Finance Solutions offers either a merchant cash advances where they purchase 
a portion of the future credit card transactions or an unsecured business loan. After 
funding, repayment occurs by either a fixed weekly payment or a small percentage is 
deducted from credit card sale until the contract is paid in full, you keep 100% of your 
cash and check sales.

___________________________________________________________________________________
American Finance Solutions
800-760-5516
www.americanfinancesolutions.com
 
 

 
 
What is the interest rate? 
 
Most programs we offer are similar to factoring, there is no interest rate, just a set cost. 
An example for my previous client was that American Finance Solutions purchased 
$23,000 of credit card receivables in exchange for $20,000 in financing.  The loan 
programs are unsecured and pricing is driven by your business risk profile so let's get you 
approved today, most of my clients feel the rate is competitive to the financing they used 
to be able to get with their bank. 
 

Will I qualify? 
 
If you’ve been in business for at least 4 months, not currently in bankruptcy personally or 
with the business and not more than 30 days past due on the business' rent/mortgage, 
then you are well on your way to approval. Just need to have you complete a simple one‐
page application and see copies of your two most recent bank statements and three 
months credit card processing statements if you accept credit cards. 

 
How long does it take to get approved? 
 
Approval generally takes one business day or less. Upon receipt of the signed contracts 
and stipulations, funding takes place within 2 to 4 business days. 
 

How much can I qualify for? 
 
Most clients range are approved from $25,000 to $50,000; our programs start at $5,000 
and go up to $500,000.  A general rule of thumb for what most businesses qualify for is 
equal to an average month's gross sales, all cash, checks and credit cards. 

 
 
 
 
___________________________________________________________________________________
American Finance Solutions
800-760-5516
www.americanfinancesolutions.com
 
 

 
How soon can I have the cash? 
 

 

After a complete contract is submitted with all required stipulations, funding generally 
happens in less than 4 business days. Most of our clients receive their financing in under 
a week from the time they submit an application. 

Will I be able to monitor my account payments and balance? 
 
You will get an online login to your account from AFS, From their you can track all 
payments, balances and even request additional funding when needed. 

 

How often can I get funding? 
 
Most clients are eligible for additional financing after their balance is paid down 50%.  To 
renew your contract you will need to submit new bank statements and the process takes 
1 or 2 days since you are a repeat client. 

___________________________________________________________________________________
American Finance Solutions
800-760-5516
www.americanfinancesolutions.com
 
American Finance Solutons - Referral Partner Package - 2014.v8

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