Family-owned · Direct business funding

See what funding options fit your business.

Tell The ACF Group what the business needs. We review the profile in house and come back with the paths worth considering — without the bank runaround.

Soft pull only
Secure application
No obligation

How much capital are you looking for?

Pick the closest amount. You can change it later.

No commitment. Checking your options does not affect your credit score.

JavaScript is off. Email underwriting@theacfgroup.com and we will pick it up from there.

20+ yearsFunding businesses

$100M+Funded every year

22,000+Businesses funded

1st–6thPositions considered

One request, multiple paths

Business capital for where you’re going next.

You should not need to know the exact product before you start. Tell us what the business needs; the structure comes after the profile.

Working Capital

Capital for inventory, materials, payroll, marketing and day-to-day operating needs.

How it works

Business Line of Credit

Flexible access where qualified, so you can draw when the business needs change.

How it works

Term Financing

Predictable structures for growth, equipment, larger purchases and expansion.

How it works

Revenue-Based Financing

Evaluated on business cash flow and revenue rather than one credit metric alone.

How it works

Simple by design

From “I need capital” to real options.

Built around what a business owner actually needs to know — not a wall of forms.

Tell us about the business

Funding need, average monthly deposits, time in business and current financing.

We review the potential paths

Your profile determines which structures are worth reviewing before you spend time on paperwork.

Finish the secure application

We send you a secure link to complete the application and upload statements. Soft pull only — it does not affect your credit score.

The ACF approach

A funding request is more than a number.

Capital only helps when the structure fits the business. We start with what is actually happening inside the company — cash flow, timing, existing obligations, and what the capital needs to accomplish.

Built around the business

When timing matters, context matters more.

Owners look for capital because something real is happening: inventory has to be ordered, payroll is coming, a new contract needs materials, equipment failed, or existing financing is squeezing cash flow.

Our job is not to force every business into the same product. It is to understand the full picture, identify the paths worth reviewing, and make the next step clear.

Start with the need

How much capital, what it is for, and how quickly the business needs to move.

Read the cash flow

Revenue, deposit consistency, time in business and current obligations tell underwriting what the business can realistically support.

Review the whole structure

Existing financing is part of the analysis. Additional capital, a refinance, a consolidation, a term structure or a line may each fit different situations.

Give a clear next step

When a path makes sense we explain what is needed. When it does not, you get a straight answer instead of a runaround.

What to expect

A cleaner way to review business funding.

Simple for you, while underwriting still gets what it needs to review the request properly.

Clear next steps

You should always know what underwriting needs next and why it matters.

One complete picture

Revenue, current financing and the purpose of the capital are reviewed together, not as a generic form submission.

Built for business speed

A complete file can move quickly. Eligibility, documentation and the structure still determine the actual timing.

Why The ACF Group

Direct answers from a team that understands business cash flow.

We are a family-owned funding company. Clear communication, practical structures, and fast underwriting when the file is complete.

Family-owned, and it showsYou are dealing with the people who make the decision, not a call centre reading from a script.

Direct underwriting accessYour file goes in front of a team that reviews the actual business profile and documentation.

Multiple funding pathsWe look at the business need first, then work out which structures may fit.

Existing financing consideredCurrent positions do not automatically end the conversation — they help determine the right next step.

A straight answer either wayIf the numbers do not make sense for your business today, we will tell you that and tell you what would need to change.

Business funding FAQs

Straight answers to common questions.

How much business funding could I qualify for?

It depends on revenue, time in business, cash flow, existing obligations, industry and which structure is being considered. The qualification flow collects the minimum needed to start reviewing those paths. We do not publish an amount here because any figure on a website is a figure for somebody else’s business.

What documents will you need?

Your last four months of business bank statements, and basic information about the business and its owners. Most files do not require tax returns. Statements are uploaded through the secure application, never by email.

Will this affect my credit?

We use a soft credit inquiry to review your options. A soft inquiry does not affect your credit score. If a funding partner later needs a hard inquiry, that happens only with your separate agreement.

Can a business with existing financing still review options?

Usually, yes. Existing positions are one factor in the review, not an automatic no. Depending on the profile the right path may be additional capital, a refinance, a consolidation, or waiting until the business is in a stronger position.

How quickly can this move?

It depends almost entirely on whether the file arrives complete. When the application is finished and the statements are attached, review can begin immediately, and a complete file sometimes comes back with terms the same day. We will not put a clock on it — anyone who does is guessing.

What does it cost?

We do not publish pricing and we will not quote you before an underwriter has seen your deposits. A number quoted early reads like a commitment, and when the real terms land somewhere else that is worse for you than not being told.

Find out which funding paths are worth reviewing.

Start with the business — not the paperwork.