APFA Financial

EXPLORE THE WORLD OF BUSINESS

With the backing of a large network of investors and lenders, we can provide unsecured funding to Entrepreneurs, Business Owners and Individuals in addition to risk capital for hard-to-fund deals.

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ABOUT US

APFA Financial was started by entrepreneurs who understand the difficulty of starting a business and raising funds. Using our experience, we started helping other entrepreneurs access capital.

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OUR MISSION

We are a team of entrepreneurs with experience in CRE, B2B Services, Sales and Cloud-based SaaS. By combining the knowledge and experiences learned along our journey, we know how to structure and underwrite deals to help entrepreneurs access the funding they who are looking for.


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PROJECTS IN PIPELINE

FRACTIONAL FUNDING

Allows investors to invest part of the total funding needed while enjoying the benefits of funding the entire project

RISK MITIGATION

Projects Insured and Bonded by A-List Institutions

AI / METAVERSE

Private Project that combines the best of both worlds in an immersive user-experienc.

WHY CHOOSE US

As entrepreneurs, we look for certain things in order to build a business.

As investors, we look for different things in order to invest in a business.

We understand the needs of both sides and HOW to bring those together.

Sometimes, it is the smallest issue that keeps a deal from closing -

we know where to look and how to solve those issues.

OUR SERVICES

Our Services are tailor to individual entrepreneurs, businesses and individuals!

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BUSINESS FUNDING
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UNSECURED FUNDING

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real estate funding

FUNDING OPTIONS

Funding for Business Owners

  • Funding for Gig Workers, Mom & Pop shops, Small Businesses and Established Businesses
  • Same Day Funding Up to $10K
    (Must be generating $3k/month in revenue, online banking already set up, minimum of 4 months in business, less than 5 NSF the last 3 months)
  • Same Day Funding Up to $25K
    (Must be generating $5k/month in revenue, online business banking already set up, minimum of 6 months in business, minimum 500 score, EIN #, less than 5 NSF the last 3 months)
  • Same Day Funding Up to $2M
    (Must be generating $15k/month in revenue, online business banking already set up, minimum of 4 months in business, minimum 450 score, EIN #, less than 5 NSF the last 3 months)
  • No Upfront Costs!!!
  • Sales matter more than credit
  • Frequent Deposits are looked upon favorably
  • Underwriters do not like low daily balances or 4+ non-sufficient funds (NSF) in the last 90 days
  • Approval Amount Rule of Thumb is 1-2 times Monthly Revenue
  • Bad credit (500 min) is acceptable but not a determining factor
  • No collateral is required
  • Interest Rates aren't used
  • Cost of capital is usually 1.2-1.55 times funding (ex. $100k received, $120k-$155k repayment)
  • Funding is short-term (4-18 months) and having a plan to increase revenue is highly recommended
  • Lenders will determine how much the client can comfortably afford to pay back
  • Funding is not a loan but an advance
  • Multiple factors - including other MCAs but not loans - are used as part of determining funding
  • Lenders understand that micro-payments are easier to manage than large monthly payments
  • Payments are deducted from their account each business day (or weekly) - excluding holidays

  • Answer 4 questions and see what you qualify for:

    Click Here for Business Funding

Qualify for Unsecured Funding

  • 680+ Credit Score & Verifiable $33k income required
  • W2 | 1099 | Self-Employed ok
  • No Upfront Costs!!!
  • Up to $100k in the first round of funding
  • Up to $600k in maximum funding
  • Funds can be used for any purpose
  • Funding in as Little as 3 Days
  • Free Mentorship Available to Help You Purchase Cash-flowing Business
  • No Liens, No Hidden Fees
  • 15% Consultation Fee Paid after Receiving Funds

  • Click here to qualify for Unsecured Funding

    This pre-qualification will not affect your credit
  • For those who do not qualify for funding, we have a fee-based option that provides a workaround to getting funded

100% Funding | Purchase Price & Rehab Cost

  • 100% Funding for Purchase Price AND 100% Funding for Rehab Costs
  • Residential Fix & Flip | Residential Ground Up Construction
  • up to 70% ARV
  • Must be able to pay closing costs and cover 6 months in reserves (20%)
  • Solid Track Record with Fix & Flips or Ground-up Construction (recommended)
  • Must have a Strong Exit Strategy - we're not interested in taking over properties
  • $250 Application Fee
  • W2 | 1099 | Self-Employed ok
  • Click here to Pre-qualify for 100% Rehab Funding 
    (does not affect your credit): 
Operational Excellence

Continuous Growth

 

Team of experts

 

1+
Projects
1+
Clients
1+
collaborations
1+
Years of experience