EXPAND YOUR BUSINESS WITH FLEXIBLE FINANCING
Flexible financing solutions built to help you Expand
Access tailored business financing designed to support your company at every stage. From working capital to equipment financing and invoice factoring, Affinity offers a variety of funding options with clear terms, fast decisions, and choices built around how your business operates — not a one-size-fits-all approach.
FUNDING THAT FITS YOUR BUSINESS
Financing options designed around your needs
Your financing needs may vary depending on the stage of your business and your goals. We provide multiple options — each with distinct benefits — so you can choose the right path for your growth:
Business Funding
Flexible working capital loans help cover operating expenses, manage seasonal cash demands, and support expansion efforts.
Equipment Financing
Finance the equipment your company needs without draining cash reserves — ideal for retail, hospitality, or industries relying on machinery or technology to operate efficiently.
Invoice Factoring
Unlock immediate cash flow by factoring unpaid invoices, giving you the working capital to continue operations and scale with confidence.
SIMPLE & STRAIGHTFORWARD
How our financing process works
1
Apply Quickly
Provide basic business details through our secure application. There’s no heavy paperwork during the initial review, and pre-qualification does not impact your credit.
2
Compare Offers
Review multiple offers side by side — including terms, total cost, and repayment structure — so you can select the option that aligns with your cash flow and growth goals.
3
Put Funds to Work
Once approved and funded, eligible merchants may participate in the Affinity Rewards Program, allowing you to accumulate periodic rewards based on activity and engagement within our network. This means your business gains more than capital — you gain ongoing value.
BUILT FOR REAL BUSINESSES
Industry-specific financing solutions
According to JPMorgan’s 2026 Business Leaders Outlook, access to the right funding remains a top priority for small businesses navigating growth, cash flow, and rising costs. That’s why our financing solutions are tailored based on your industry, funding needs, and business model.
Explore flexible financing options for retail, restaurants, service businesses, eCommerce, and high-risk industries. Each solution is designed to help small businesses improve cash flow, fund equipment, and grow with confidence.
Retail & Brick-and-Mortar
Flexible small business financing designed for retail shops to manage cash flow, fund inventory, and upgrade equipment. Tailored to your industry’s seasonal and operational needs.
Restaurants & Hospitality
Access tailored financing for restaurants, cafes, and hospitality businesses to cover daily expenses, invest in equipment, and expand operations with ease.
Service-Based Businesses
Funding solutions for service-based businesses, contractors, and professionals to support growth, manage operating costs, and scale efficiently.
eCommerce & online Sellers
Financing tailored to online sellers and eCommerce businesses, helping manage inventory, marketing campaigns, and seasonal cash flow.
Medical & Professional Services
Specialized small business financing for medical offices, professional services, and practices needing equipment upgrades or working capital.
High-Risk Business
Specialized financing for higher-risk industries that traditional lenders may overlook. Flexible funding to support cash flow, growth, and equipment needs.
COMMON QUESTIONS
Small business financing FAQs
This depends on the financial product. All applications will require general information on ownership, business & recent business bank statements.
Our online application is simple and can be completed in minutes. Once we receive the application and documentation, a dedicated Affinity processor is assigned to your file and will contact you to confirm information. You can apply online here.
No. There is no obligation to apply for our business financing solutions.
Our products have no impact on your credit score.