EXPAND YOUR BUSINESS WITH FLEXIBLE FINANCING
Small business financing solutions that help you Expand
Access tailored financing options designed to support your business at every stage. From working capital to equipment financing and invoice factoring, Affinity delivers flexible funding solutions with clear terms, fast decisions, and options built around how your business operates — not a one-size-fits-all approach.
FUNDING THAT FITS YOUR BUSINESS
Financing options designed around your needs
Every business has unique cash flow challenges, growth goals, and operational demands. That’s why our financing solutions are tailored based on your industry, revenue model, and funding purpose. Whether you need capital to expand, upgrade equipment, or stabilize cash flow, we help match you with financing that makes sense for your business — without unnecessary complexity.
Business Funding
Flexible working capital financing designed to help small businesses cover operating expenses, manage seasonal cash flow, and invest in growth opportunities.
Equipment Financing
Finance the equipment your business needs without draining cash reserves. Ideal for businesses in retail, hospitality, or services that rely on technology or machinery to operate efficiently.
Invoice Factoring
Unlock immediate cash by factoring unpaid invoices. Our industry-specific invoice factoring solutions help small businesses maintain steady cash flow and grow confidently.
SIMPLE & STRAIGHTFORWARD
How our financing process works
1
Apply Quickly
We learn about your business, review your current setup, and enroll you as a member so you can access reward-focused solutions built to save and grow.
2
Compare Offers
Reduce costs, expand with confidence, and scale growth using solutions that deliver real results and rewards.
3
Put Funds to Work
Turn everyday payments, financing, and marketing activity into rewards that bring value back to your business.
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.