At AEF Equipment Finance, we provide a wide range of financing solutions designed to meet the needs of small and mid-sized businesses—even if your credit isn’t perfect. Whether you need working capital to keep operations running smoothly, funding to expand your business, or flexible alternatives like merchant cash advances, we have options for you. Through our network of lending partners, we also offer business lines of credit, SBA loans, and invoice factoring.

Our goal is simple: tailor financing that fits your unique situation and helps you focus on growth.

Business Loan Options

Working Capital Loans
Need funds to cover day-to-day expenses like payroll, rent, or supplies? A working capital loan provides a short-term boost to help you manage cash flow. This option is especially helpful for seasonal businesses, startups, and companies experiencing temporary dips in revenue.

Business Expansion Loans
Planning to open a new location, invest in equipment, or launch a new product line? Our expansion loans provide longer repayment terms and lower monthly payments—helping you invest in growth while keeping cash available for ongoing needs.

Merchant Cash Advances (MCA)
With an MCA, repayment is tied to your sales volume instead of fixed monthly payments. AEF takes a small percentage of your daily or weekly sales, making this a great option for businesses with strong credit card sales or seasonal cycles. Payments are automated, keeping the process simple and predictable.

Minimum Requirements

We understand every business is unique, but here are the general guidelines for each product:

Working Capital Loans

• Minimum credit score: 500

• Time in business: At least 6 months

• Monthly revenue: $10,000+ (average over past 3 months)

Business Expansion Loans

• Minimum credit score: 550

• Time in business: 2+ years

• Monthly revenue: $15,000+ (average over past 3 months, including $3,000 average daily balances)

Merchant Cash Advances

• Minimum credit score: 600

• Time in business: At least 6 months

• Monthly revenue: $10,000+ (average over past 3 months)