(806) 810-1926
(806) 810-1926

Deposit-Based Business Loans

Get Business Funding Based on Your Monthly Deposits — Fast, Flexible, and Reliable.

If your business has consistent bank deposits every month, you already qualify for smarter funding.

At American Funding Services, we offer revenue-based business loans — designed for real businesses that earn, deposit, and grow.

Unlike banks that demand years of tax returns or perfect credit, we look at your monthly deposits to provide funding power.

Whether you deposit $75K or $500K+ per month, we can fund your average deposits with same-week funding to help you expand, hire, or stabilize cash flow.

Working Capital
Deposit-Based Funding

How It Works

  1. Connect your bank — safe, secure verification.
  2. We analyze your average monthly deposits.
  3. You get approved based on revenue strength, not credit history.
  4. Receive funding — often within 48 hours.
  • Quick online application process
  • No lengthy paperwork or tax returns
  • Get matched based on real business performance
  • Funds delivered directly to your account

Our model rewards strong, consistent businesses. No long wait — just a loan based on your real deposits.

Why Choose Revenue-Based Business Funding

  • Approval based on monthly bank deposits, not just credit scores.
  • Flexible repayment options that adjust with your cash flow.
  • Funding up to $500,000, matched to your monthly deposits.
  • Fast decisions, often within 24 hours.
  • No hidden fees and no long applications.

We’ve helped restaurants, service companies, e-commerce stores, medical and dental practices, retail shops, and contractors grow using their own deposit strength — not red tape.

Industries We Serve

Restaurants & Hospitality

Restaurants & Hospitality

Keep your operations running smoothly through every season. From staffing and inventory to renovations and marketing, our funding solutions help restaurants and hospitality businesses stay competitive and ready for growth.
Apply Now

Retail & E-Commerce

Retail & E-Commerce

Manage inventory, marketing, and seasonal demand with ease. Our flexible financing options empower retail and e-commerce owners to boost cash flow, restock fast-selling products, and capture new customers year-round.
Apply Now

Automotive & Repair

Automotive & Repair

Drive your business forward with reliable capital. Whether upgrading equipment, hiring staff, or managing supply costs, our funding helps automotive and repair shops keep customers on the road and profits on track.
Apply Now

Medical & Dental Practices

Medical & Dental Practices

Expand your practice and maintain patient care with confidence. Our medical and dental funding options help cover payroll, equipment purchases, and operational costs—so you can focus on delivering exceptional service.
Apply Now

Service Businesses (HVAC, Plumbing, Landscaping)

Service Businesses (HVAC, Plumbing, Landscaping)

Power your service business with fast, flexible financing. From vehicles and tools to payroll and seasonal expansion, our working capital loans keep your operations running strong and clients satisfied.
Apply Now

Manufacturing & Wholesale

Manufacturing & Wholesale

Access the capital needed to scale production, manage supply chains, and fulfill large orders. Our financing options help manufacturing and wholesale businesses maintain steady growth and meet customer demand efficiently.
Apply Now

Common Questions

Can I get a business loan based on monthly bank deposits?
Yes! We approve based on your average deposits, not your credit score.

Do I need collateral or personal guarantees?
Depends on the strength of your deposits.

How much can I get?
Up to 100% of your average monthly deposits — typically from $75,000 to $500,000.

How long does approval take?
Most businesses receive an approval in less than 48 hours.

What are revenue-based business loans?
Revenue-based business loans are just another name for deposit-based business loans.

What is the process to get my business funded?
Answer some basic questions and with no impact to your credit score you’ll have an answer and your business funded within 48 hours. You are in the control!


See How Much Your Business Qualifies For

Get business funding based upon your monthly deposits today.

No fees to apply.

Call Today (806) 810-1926

Contact Us

Contact Us

Deposit-Based Business Loans

Call Today

Get Business Funding Based on Your Monthly Deposits — Fast, Flexible, and Reliable.

If your business has consistent bank deposits every month, you already qualify for smarter funding.

At American Funding Services, we offer deposit-based business loans — designed for real businesses that earn, deposit, and grow.

Unlike banks that demand years of tax returns or perfect credit, we look at your monthly deposits to provide funding power.

Whether you deposit $75K or $500K+ per month, we can fund your average deposits with same-week funding to help you expand, hire, or stabilize cash flow.

Deposit-Based Funding

How It Works

  1. Connect your bank — safe, secure verification.
  2. We analyze your average monthly deposits.
  3. You get approved based on revenue strength, not credit history.
  4. Receive funding — often within 48 hours.
  • Quick online application process
  • No lengthy paperwork or tax returns
  • Get matched based on real business performance
  • Funds delivered directly to your account

Our model rewards strong, consistent businesses. No long wait — just a loan based on your real deposits.

Working Capital

Industries We Serve

Restaurants & Hospitality

Restaurants & Hospitality

Keep your operations running smoothly through every season. From staffing and inventory to renovations and marketing, our funding solutions help businesses stay competitive and ready for growth.
Apply Now

Retail & E-Commerce

Retail & E-Commerce

Manage inventory, marketing, and seasonal demand with ease. Our flexible financing options empower retail and e-commerce businesses
Apply Now

Automotive & Repair

Automotive & Repair

Drive your business forward with reliable capital. Whether upgrading equipment, hiring staff, or managing supply costs, our funding helps automotive and repair shops.
Apply Now

Medical & Dental Practices

Medical & Dental Practices

Expand your practice and maintain patient care with confidence. Our medical and dental funding options help cover payroll, equipment purchases, and operational costs.
Apply Now

Service Businesses (HVAC, Plumbing, Landscaping)

Service Businesses (HVAC, Plumbing, Landscaping)

Power your service business with fast, flexible financing. From vehicles and tools to payroll and seasonal expansion, our working capital loans keep your operations running strong.
Apply Now

Manufacturing & Wholesale

Manufacturing & Wholesale

Access the capital needed to scale production, manage supply chains, and fulfill large orders. Our financing options help manufacturing and wholesale businesses maintain steady growth.
Apply Now

Common Questions

Can I get a business loan based on monthly bank deposits?
Yes! We approve based on your average deposits, not your credit score.

Do I need collateral or personal guarantees?
Depends on the strength of your deposits.

How much can I get?
Up to 100% of your average monthly deposits — typically from $75,000 to $500,000.

How long does approval take?
Most businesses receive an approval in less than 48 hours.

What are revenue-based business loans?
Revenue-based business loans are just another name for deposit-based business loans.

What is the process to get my business funded?
Answer some basic questions and with no impact to your credit score you’ll have an answer and your business funded within 48 hours. You are in the control!


See How Much Your Business Qualifies For Today

Get business funding based upon your monthly deposits today.

No fees to apply.

Call Today (806) 810-1926

Contact Us

Contact Us