Call a Funding Specialist Now! (248) 855-1200

About AAF

Since 2005, Advance American Funding is a nation-wide industry leader in merchant funding.

We provide unique, alternative financing programs for small- to large-sized businesses not available through conventional sources. Our experienced management team is constantly seeking and expanding alternative options for cash flow solutions that are only available to business merchants.

Our commitment is to extend excellent customer service and to provide the merchant with growth capital for their business. We understand the difficulty in obtaining traditional bank loans today, therefore we’ve selected to work with talented, committed resources offering flexible funding programs that will fit the needs of every merchant.

We have been in business since 2005 specializing in non-traditional funding. We are one of the largest providers of alternative financing in the nation.

  • Backed by successful investor groups
  • Favorably A+ rated at the Better Business Bureau
  • Member of the Novi Chamber of Commerce
  • AAF and our partners have serviced over 25,000 clients
  • No bank hassles
  • No collateral needed
  • Fast, uncomplicated funding in less than three business days!

We’ve helped many businesses just like yours by advancing money based on your future sales for:

Seasonal Business
Emergencies and More

Additional Services Available to AAF Clients:

  • Equipment leasing from $10,000 to $50,000,000
  • Wholesale credit card processing
  • Accounts Receivable financing, short and long term
  • Invoice factoring and medical invoice factoring
  • Cash-out financing for investment, commercial, industrial, and residential properties
  • Term loans and lines of credit

Frequently Asked Questions

How does AAF work?

We provide you funds using your future Visa, MasterCard, and/or your business sales volume. We then take a small percentage of your business Visa, MasterCard, and/or sales processed daily.

How do I qualify… and for what amount?

Qualification is determined by reviewing the last four months of credit card statements and bank deposits. Using this information allows us to determine the best possible funding option for your business. Our fundings range from $10,000 to $250,000 per business location.

How do I pay back the money?

We electronically collect a percentage daily from your credit card processor or your bank account depending on the program you choose.

Do I need to change my processor?

No. However, Advance American Funding promises to beat your current processors’ rate.

Do you take 100% of my credit and debit card sales?

No. Your processor forwards only your predetermined percentage that we have agreed upon.

How long does it take to get approved and funded?

We give approvals within 24 – 48 hours of submission. We fund most clients within three business days provided you complete the paperwork and necessary documents.

Will a poor personal credit history keep me from getting funded?

No. We do not base your funding on your personal credit history; we evaluate every business on its own merits. We listen to your story and we want to help your business succeed.

What can I use the funds for?

You decide how to spend the money—whatever is best for your business. Previous customers have used this money for renovations or remodeling, marketing and advertising plans, paying taxes, buying additional inventory, handling payroll, expansion, and other business needs as they arise.

Questions about our ACH program or other questions?

Please contact us! You can email or call (248) 855-1200.

We get you access to working capital without the headache of a bank loan.

Need Cash?

Our application is easy to complete and we have the strength to make decisions quickly.

  • Decisions in hours, not weeks.
  • Loans up to $1,000,000 per location.
  • Business-friendly approval decisions.
  • Flexible payment plans and options.
  • Smaller, more frequent, daily payments protect cash flow.

27333 Meadowbrook Road #240
Novi, MI 48377

Business Hours

Monday – Friday
8 am – 5 pm

Contact Us

(248) 855-1200