Overview of why regional banks & small- to large-finance companies choose to partner with American Finance Solutions as their trusted source for referring their small business clientele

1. Introduction & Procedures
Overview
proud member of:

2. Since 2006, American Finance Solutions built a successful
reputation on three core values that reflect in every aspect
of our organization:
About AFS
• Licensed Lender
• Bonded, Insured & Regulated
• Ability To Finance In All 50 States
• Never Any Upfront Fees Or Points
•
Service
We deliver results to our clients and
partners while continually striving to
exceed expectations.
•
Value
We make it easy for our partners to do
business with us and provide
competitive programs.
•
Integrity
We partner with people that share our
high ethical standards – this is the
cornerstone of AFS.
• Industry-Leading Customer Service
• Proven 8+ Year Track Record
• Custom Pricing For Each Client
• Highest Renewal Rate In The Industry
• Accredited BBB With “A” Rating
• Respected Members Of:
• ETA (Electronic Transaction Association)
• IFA (International Factoring Association)
• NAMAA (North American Merchant Advance)
• Full Range Of Program Options
• Premium Pricing For Established Businesses
• Starter Advance For New Businesses
• Approvals For Almost All Business Types
• Loan Option For Low Transaction Clients
Service. Value. Integrity.

3. What is a Merchant
Cash Advance?
A merchant cash advance is a
finance product allowing small and
medium-sized businesses quick
access to working capital in
exchange for an agreed upon
portion of their future credit card
receivables.
Alternative Financing.

4. How Does a Merchant
Cash Advance Work?
Based on minimal documentation,
AFS can determine how much
working capital can be funded to a
business.
By projecting upcoming sales, we
are able to establish an easy and
flexible program for the merchant to
repay us through an agreed-upon
percentage of their future credit
card sales.
Leverage Future Sales to Acquire Funding
Today.

5. Why Sell AFS
Merchant Cash
Advance?
• AFS Puts The Merchant First
• Custom Pricing Offers For Each Client
• Multiple Repayment Options
• Deliver An Exact Solution For Your Client
• Fast Funding – 5 Days Or Less
• Simple Application Process
• Approvals Within 24 Hours
• Minimal Documentation Required
• Simple Qualification
• High Approval Rate
• Minimal Documentation
• Approvals Up To $200,000 Per Location
• Easy To Do Business With
• Fast Decisions Upon Application
• Online Portal To Track Entire Process
• Trained Staff To Assist Every Step
Land More Accounts & Focus On Increasing
Value.

6. What can the funds be
used for?
While most Banking Institutions have
restrictions on the use of funds,
AFS does not. Some popular uses
include:
• Inventory
• Line Of Credit
• Working Capital
• Remodeling or Expansion
• Marketing
• Purchase Another Location
• Payroll or Taxes
• Purchase New Equipment
• Emergencies
Use The Funds To Grow Your Business.

7. Businesses Using
Cash Advance
•
•
•
•
•
•
•
•
•
Restaurants & Bars
Retail Storefronts
Franchise Businesses
Grocery & Convenience
Stores
Doctors, Dentists, Medical
Professionals
Hotels & Motels
Automotive Repair Shops
Hair & Nail Salons
Day Spas
Ideal Industries Using Cash Advance.

8. Factor Rates
All of the products that AFS offers
are approved using risk-based
pricing.
Once the funding risk is assessed,
the program is given a factor rate to
determine the payback amount of
the advance or loan.
The factor rate has no prepayment
penalty and does not increase like
an interest rate.
Approved Funding Amount:
$10,000
Factor Rate:
1.25
Payback Amount (Purchased Price):
$12,500

9. Cash Advance
Collection Methods
Merchant Cash Advance offers flexible
payment options not typically available
through standard bank lending.
There are three different ways that a
merchant cash advance can be paid
back to AFS.
The three collection methods available
are:
1)
2)
3)
Split Processing
Fixed ACH Payments
Lockbox/Trust Account Deposits
More Options. More Opportunities.

10. Split Processing
Split Processing is a payback
method offered to businesses that
process credit card sales
transactions on a frequent basis.
How It Works
$1,000
$900
It is easy, seamless and does not
involve any hassle to the merchant.
$100
This example represents a 10% Withholding

11. Fixed ACH
How It Works
Fixed ACH payments are a
consistent collection method that
does not directly discount or reduce
the credit card sales from the
merchant. It is simply a set
payment deducted from the
business’ bank account.
This method is usually ideal for
business owners that:
• Don’t Process Many C/C Sales
• Have More Cash/Check Sales
• Looking to Have Set Payments
• All Loan Programs
$1,000
$1,000
$100

12. Lockbox/Trust
Account
Some credit card processing
companies are not approved split
partners with AFS.
How It Works
$1,000
If a merchant cannot, or refuses to,
switch their processing account (and
does not qualify for a Fixed ACH
payment) the Lockbox/Trust Account
payback is another possible collection
method.
$900
The setup process can take longer to
get funding to the merchant, cause
delays in receivables to the merchant
and incorporate additional fees.
However, it can prove to be a solution
when no other option is available.
$100
$1,000

13. Merchant Cash Advance
Program
•
Qualify For $5,000 To $200,000
For A Single Location
•
Will Consider Higher Amounts;
Up to $500,000 For Multiple
Locations
•
•
Customized Pricing Options With
Payback Terms Up to 12 Months
Qualifications:

No Minimum FICO

Judgments/Liens Less Than $100K

4 months In Business

Not more than 30 days past due on rent/mortgage

No open BK or BK Proceedings
Split Collection, Fixed ACH & Lockbox
Repayment Options
Our Most Popular Finance Product.

14. Loan Program
Qualifications:
• Qualify For $5,000 To $200,000 For A
Single Location
• No Credit Card Sales Required –
Ideal for Doctors, Dentists, etc.
• Customized Pricing Options With
Payback Terms Up to 12 Months
• Fixed ACH Repayment Only
 Minimum 550 FICO
 Judgments/Liens Less Than $100K
 12 months in Business
 Not more than 30 days past due on rent/mortgage
 No open BK or BK Proceedings
No Credit Card Sales Required.

15. Premium Program
Options
Well-established business owners
may qualify for lower factor rates,
increased funding amounts and
more ideal terms.
Premium Approvals are given on
both programs, pending
qualification and Underwriting
Approval.
Qualifications:
 Minimum 600 FICO for the MCA Program
 Minimum 650 FICO for the Loan Program
 24 months in business
 Not more than 30 days past due on rent/mortgage
 No open BK or BK Proceedings
Better Rates. Higher Funding Amounts.

16. Fast Cash Program
Qualifications:
• Qualify For $5,000 To $20,000
(50% of Avg. Credit Card Processing)
• Absolutely No Credit Check Required
• Same Documentation Needed as
Merchant Cash Advance Product
 Must Process Credit Cards With Approved AFS
Processor
 4 months in Business
 Not more than 30 days past due on rent/mortgage
• Short-Term Programs
(Typically Under 4 Months)
 No open BK or BK Proceedings
• Split Collection Repayment Only
No Credit Check. Fast Turnaround Time.

17. What Do I Need to
Submit a Deal to AFS?
Merchant Cash Advance &
Fast Cash Programs
• One-Page Application
Completed & Signed By The
Merchant
• Most Recent 3 Months Of Credit
Card Processing Statements
(12 For Seasonal/Restricted)
Loan Program
• One-Page Application
Completed & Signed By The
Merchant
• Most Recent 3 Months Of
Business Bank Statements
(12 For Seasonal/Restricted)
• Most Recent 2 months Of
Business Bank Statements
Minimal Documentation Needed.

18. What Do I Need to
Complete A File?
There are very few documents
needed to complete a file for AFS.
•
Proof Of Ownership
 Articles Of Incorporation
 K-1
 Business License
•
•
•
Legible Drivers License/ID (All Owners)
Voided Check for Main Operating Account
Financials for Requests on Larger Deals
 Current Financials (P&L And Balance
Sheet), Or
 Most Recent Tax Return
 Tax Guard Service May Also Be Used
Less Than Require By Major Banks.

19. Submission
• Merchant Contact &
Paperwork Gathering
• Submissions Are Sent
To Admin Via Email To
funding@afsfunding.co
m
• Client Entered Into
Agent’s Online Portal To
Track Remainder Of
Process
Underwriting
• File Submitted to UW
for Final Approval &
Stipulations List
• Once Merchant Agrees
To A Quote, Sales
Agent Requests
Contracts From Account
Manager
• Return Of Signed
Contracts & Any
Requested Stipulations
• Account Manager
Provides Preliminary
Contract Terms
Simple Workflow.
Verification
• Merchant Receives
Welcome Call
• Merchant Notified Of 3rdParty Site Inspection (If
Required)
• Landlord/Mortgage
Verification On Business
Location
• Confirmation That
Repayment Method Is
Active
• Recorded Verification
Call Completed
Funding
• Funding Occurs After All
Verification Processes
Have Been Completed
• Merchant Receives
Funds Via Wire
• Merchant Receives
Email & Customer Service
Call With Client Portal
Log-In Details
• Customer Service Follow
Up Every 30 Days To
Ensure Maximum Client
Retention

20. What Can Cause a
Delay in Funding?
What Can Disqualify a
Deal From Funding?
Some Factors That Can Possibly Delay Funding
Include:
Some Factors That Can Disqualify a Client
for Funding While in Process:
•
Merchant Not Available for Welcome Call or
Recorded Verification Call
•
Past Due on Rent/Mortgage More
Than 30 Days
•
Information Provided is Incomplete
•
In Collections with a Competitor
•
Landlord is Unresponsive or Uncooperative
•
False Representation by the Merchant
•
Missing UW Stipulation Documents
•
Receipt of Payoff Information from a
Competitor
92% + of Contracts Fund Once in Verifications

21. Get Started Today!
Submit applications today via email or fax:
funding@afsfunding.com
fax 866-822-0269