Working capital
Facilities designed around operating cycles, liquidity requirements and sustainable repayment.
BUSINESS FINANCE
Capital for the business
you are building.
Financing preparation and selected loan arrangements for established small and medium-sized businesses.
Start a conversation ↗OPERATING NEEDS
Finance the next step.
We examine the business, the use of proceeds and repayment capacity before identifying suitable financing routes.
Equipment finance
Financing for productive machinery, vehicles and business equipment.
Receivables & inventory
Evaluate receivables-based facilities, factoring and inventory financing where appropriate.
Acquisitions & expansion
Prepare requests for business acquisitions, capacity expansion and growth.
Commercial property
Selected acquisition, refinancing and improvement loans, with the applicable authorization established for each engagement.
Debt restructuring & recovery
Analyze business debt, creditor positions and cash flow to develop a practical refinancing or workout approach.
FINANCEABILITY FIRST
Diagnose before approaching the market.
Financial statements, debt schedules, receivables, assets and cash-flow forecasts tell us what can realistically be financed. A clear file helps institutions evaluate the request without avoidable gaps.
One million dollars and beyond.
AFG considers financing requests from approximately $1 million, with mandate fit determined by the business, the financing need and the available execution route. Amounts are indicative—not a commitment to provide capital.
OPERATING CAPITAL
Match the facility to the cash cycle.
A term loan, revolving line, receivables facility or equipment arrangement serves a different purpose. We evaluate how funds enter and leave the business, what assets support the request and how repayment can remain sustainable.
Review areas include seasonality, customer concentration, gross margins, outstanding obligations, asset condition and the timing of the intended investment.
FINANCING ROUTES
A more complete business finance menu.
Options are evaluated against the business rather than presented as guaranteed approvals.
Term loans & revolving lines
Business loans and lines of credit for documented operating needs, subject to available lender programs.
Asset-based lending
Facilities assessed against eligible receivables, inventory or other business assets and reporting requirements.
Accounts receivable & factoring
Evaluate receivable quality, customer concentration, dilution and the cost of converting invoices into liquidity.
Purchase order & trade finance
Assess confirmed orders, supplier payments, fulfillment milestones and the commercial strength of the transaction.
Equipment acquisition & refinance
Consider asset value, useful life, ownership, operating contribution and repayment requirements.
Business acquisitions & partner buyouts
Review historical earnings, purchase price, owner contribution and the post-transaction capital structure.
RECOVERY & REALIGNMENT
A viable business may need a different debt structure.
Maturity pressure, layered borrowing or working-capital compression can require a structured diagnosis rather than another loan. We organize the facts, evaluate alternatives and coordinate the appropriate lender and professional discussions.
THE NEXT STEP