Business Funding Business Loans Review

Overview

Business Funding is a financing platform operated by AM Funding, LLC, doing business as Business Funding, based in Boca Raton, Florida. Rather than acting purely as a direct lender, the company positions itself as a resource that helps small and medium-sized businesses compare and access multiple financing options — including its own credit products and third-party lending partners — through a single online application.

The company's product lineup includes business term loans, equipment financing, business lines of credit, revenue-based financing, and SBA loans, giving applicants flexibility to choose a structure suited to their cash flow, credit profile, and funding needs. Business Funding states it does not perform hard credit pulls during the initial application process and that funds can be delivered as quickly as the same day once approved and documentation is complete.

Why Business Funding Is Good For Your Business

Business Funding may suit business owners who want to compare several financing products without submitting separate applications to different lenders. The company's short online application (asking for basic contact and revenue information) and "no hard credit pull" approach make it a lower-friction option for businesses that want to explore funding without immediately affecting their credit.

Its minimum eligibility requirements — at least one year in business, $15,000+ in average monthly revenue, and a 525+ personal FICO score — are more accessible than many traditional bank loan requirements, which may benefit newer or credit-challenged businesses that still have solid revenue.

Businesses that want a single point of contact to help sort through multiple financing options (rather than shopping each product separately) may also appreciate Business Funding's model of pairing applicants with a funding specialist.

Loan Features

Business Funding offers several financing products aimed at different business needs:

Term loans provide a lump sum of capital with a fixed repayment schedule, and the company notes that approval is possible even with less-than-perfect credit.

Equipment financing helps businesses purchase equipment across virtually any industry, allowing them to acquire tools and resources needed for growth without paying the full cost upfront.

A business line of credit gives businesses access to a set amount of funds they can draw on as needed, with interest charged only on the amount actually used — useful for managing variable or unpredictable expenses.

Revenue-based financing ties funding and repayment to a business's future sales rather than its assets. According to Business Funding, this option comes with no personal guarantee and no fixed monthly payment, with repayment adjusting automatically as revenue rises or falls.

SBA loans are also available, though as with several of these products, they may be facilitated through lending partners rather than funded directly by Business Funding.

Loan Highlights

• Funding amounts from $10,000 to $2,000,000
• Term loans available
• Business lines of credit available
• Revenue-based financing available
• Equipment financing available
• SBA loan options
• No hard credit pulls to apply
• Short online application (about 2 minutes, per the company)
• Potential same-day funding for qualified applicants

Application Process

Business Funding's application is completed online and starts with basic information: first and last name, email, phone number, business name, and average monthly revenue.

After submission, a funding specialist reaches out to learn more about the business and discuss which financing options may fit its needs. Business Funding may request additional documentation (such as business bank statements) at this stage to finalize an offer.

Once an applicant selects and signs for a financing option, funds can be delivered as soon as the same business day, according to the company. Throughout the process, Business Funding states it does not perform a hard credit pull, so applying and comparing options doesn't need to affect a business owner's personal credit score.

How Much Can You Borrow?

Business Funding advertises overall funding amounts ranging from $10,000 to $2,000,000. The company's website does not break out separate maximum amounts for each individual product (e.g., term loan vs. line of credit vs. equipment financing), so the specific amount available to a given business will depend on its revenue, credit profile, and the financing product it's matched with.

General Eligibility Requirements

Business Funding lists the following minimum requirements to qualify for funding:

✔ 1 year or more in business

✔ Personal credit score of 525+

✔ Average monthly revenue of $10,000+

Because eligibility can vary by product, applicants may be offered different financing options depending on their specific business profile, and additional documentation (such as bank statements) may be requested during underwriting.

Repayment Terms

Repayment structure depends on the financing product selected. Term loans use a fixed repayment schedule tied to a lump-sum advance. Business lines of credit are revolving, meaning businesses only pay interest on the funds they draw and can access credit again as balances are repaid. Revenue-based financing repayment scales with the business's sales, with no fixed monthly payment and no personal guarantee, according to the company. Equipment financing and SBA loan terms will vary based on the item financed or the specific SBA program and lending partner involved.

As with any financing product, businesses should confirm exact rates, fees, and repayment schedules directly with Business Funding or its lending partner before accepting an offer.

Privacy and Security

Business Funding, operated by AM Funding, LLC, maintains a privacy policy describing how it collects, uses, and shares applicant information, including identifying details, financial information, and beneficial ownership data collected during the application process.

The company states it does not sell personal information as legally defined under California and Nevada law, though it may share data with third-party lenders, loan brokers, lead-generation partners, and service providers to process applications and deliver services. It uses cookies and tools like Google Analytics for site analytics and advertising, and it honors Global Privacy Control opt-out signals. The company also states that banking information viewed online is read-only, and employees cannot view customer banking usernames or passwords.

Applicants should review Business Funding's full privacy policy and terms of use before submitting personal or business information.

Help & Support

Business Funding offers phone-based and online support for prospective and existing customers.

Contact Information:

Phone: (855) 682-3863

Hours: Monday–Friday, 9:00 AM–7:30 PM EST

Customer Support: Available via the website's contact form (a public email address is not clearly listed on the site)

Physical Address

AM Funding, LLC DBA Business Funding

4800 N Federal Hwy STE B200

Boca Raton, FL 33431

United States

Summary

Business Funding offers a broad menu of small business financing products — term loans, lines of credit, revenue-based financing, equipment financing, and SBA loans — through a single, no-hard-credit-check online application. Its moderate eligibility requirements and promise of same-day funding may appeal to established businesses that want to compare multiple options quickly.

At the same time, the company's referral-style model means applicants should confirm which entity is actually extending credit, along with the specific rates, fees, and repayment terms, before accepting an offer. Businesses considering Business Funding should compare it against other providers to ensure they're getting the most suitable and cost-effective financing for their needs.

Methodology

This review was created using information obtained from Business Funding's official website (businessfunding.com), including its homepage, about page, business loans page, application page, and privacy policy, along with publicly available third-party sources. Information was reviewed and cross-checked to ensure accuracy at the time of publication; no independently verified BBB rating, Trustpilot profile, or founding date could be located for the company at the time of research.

Disclaimer

Having explored the features and benefits of this product, readers may wish to compare it with alternative business financing providers before making a decision. Reviewing multiple providers can help identify differences in eligibility requirements, funding amounts, repayment structures, fees, customer support, and overall suitability for specific business needs.

AI was used in the creation of this content, along with human validation and proofreading.