Bring your experience and ideas to a team that values collaboration, professional growth, and meaningful contributions. At AFS, you'll work alongside experienced financial professionals helping businesses navigate important financing decisions.
Capital for What’s Next.
Whether you’re pursuing new opportunities or navigating financial challenges, AFS provides financing designed to address your business’s needs.
Growth & Expansion
Take on new orders, increase inventory, expand operations, and pursue opportunities without letting working capital constraints hold you back.
Acquisitions & Buyouts
Access financing to support acquisitions, ownership transitions, and other strategic transactions.
Refinancing
Replace existing debt with a financing structure better aligned with your company’s assets, cash flow, and operating needs.
Seasonal Working Capital
Manage fluctuations in demand and cash flow with financing that can accommodate seasonal increases in working capital requirements.
Turnarounds & Transitions
Navigate financial or operational challenges with alternative financing when conventional bank lending may no longer be an option.
Recapitalizations
Restructure existing financing to better support your company’s ongoing operations and future objectives.
The Capital You Need, When You Need It.
AFS provides customized asset-based financing to help your business access the working capital they need, leveraging the value of your existing assets.
Accounts Receivable Financing
Revolving lines of credit secured by eligible accounts receivable, helping businesses turn outstanding invoices into available working capital.
Inventory Financing
Additional borrowing availability supported by eligible inventory, helping businesses finance purchases, maintain stock levels, and meet customer demand.
Machinery & Equipment Financing
Financing backed by machinery and equipment to support additional capital needs.
Facility Size
Line commitments from $1MM to $20MM+
Borrower Annual Sales
$10MM and $250MM
Industries
Commercial & industrial businesses including manufacturers, distributors, wholesalers, food & beverage, transportation, staffing, printing, government contractors, service companies, and many more.
Business Needs
Rapid industry or business growth, acquisition financing, seasonal business cycles, challenged credits involving overdrafts, negative cash flow or operating losses, high leverage, or adverse credit history.
Additional Financing Options
Through our relationship with Stearns Bank, businesses may also have access to complementary financing solutions, including SBA and real estate lending.
Flexible Terms
Fewer Restrictions
Get the working capital your business needs without the restrictions often associated with traditional financing.
AFS offers lending terms designed to give you greater flexibility and control over your cash flow and operations.
Financing With Fewer Conditions:
Our Lending Process
We offer a streamlined lending process, typically three to five weeks, ensuring efficient service from initial review through to closing.
Discussion
Assessment
& Proposal
& Due Diligence
& Funding
Fast, Local
Decision-Making
With localized signing authority and closely coordinated lending teams, we can evaluate opportunities and make decisions quickly.
Executive
Involvement
Our executive team is involved from the outset, providing continuity from initial discussions through closing.
Flexible Financing Structures
We structure facilities around your assets and financing needs, with the ability to accommodate seasonal fluctuations and business growth.
Streamlined
Execution
Our experienced lending teams work together throughout the financing process to keep transactions moving efficiently.
Deep Industry Experience
Our team brings extensive experience in lending, banking, accounting, and operations management, helping us understand the businesses we finance.
Frequently Asked Questions
Not in all cases. Personal guarantee requirements depend on the company's ownership structure and financing arrangement.
AFS operates on a bulk asset-based lending basis, with weekly borrowing base certificates used to determine borrowing availability.
We typically work with commercial and industrial businesses generating $10MM to $250MM in annual revenue, with revolving credit facilities from $1MM to $20MM+.
Our revolving credit facilities are primarily secured by eligible accounts receivable, with inventory financing available as part of the facility. AFS also provides machinery and equipment financing.
Our streamlined lending process typically takes three to five weeks from initial review through closing.
Yes. We work with businesses experiencing rapid growth, financial challenges, high leverage, or other circumstances that may fall outside conventional bank lending requirements.
Yes. AFS can structure facilities with the flexibility to accommodate seasonal increases in working capital needs or expand availability as your business grows, subject to eligibility and collateral.