Your revenue is real. Your cash should be too.

• Sales are up, but the bank account is still empty on Thursday.
• Payroll is due before your customers pay. Net 60 or Net 90 terms are squeezing you.
• Your bank approved a line, but it only covers part of what the season needs.
• You took one advance to get through a slow month. Now a payment comes out every day, and someone is offering a second advance to "help."
• Every time you fill out a form online, your phone doesn't stop ringing.
• Private equity will write the check, but they want a piece of the company you built.

You don't have a revenue problem. You have a timing problem. It deserves a clear, documented solution, not a rushed one.

Working Capital Against Your Revenue is revenue-based funding for operating U.S. businesses. The amount is typically about one month of your average revenue, subject to underwriting. It is sized to what your business already brings in, not to the biggest number someone can sell you.

Amounts

$3,000 to $3,000,000, subject to underwriting.

Ownership

No equity, no board seats, no dilution.

Use of funds

The program does not dictate how you use the capital in your business, whether for payroll, inventory, hiring or expansion. You will still be asked for a credible use of funds.

Who funds it

Vetted U.S.-based private capital providers that focus on lower-middle-market businesses. AFG is not the lender.

AltFunds Global is an independent consulting firm. It is not a bank, lender, broker-dealer, fund or registered financial adviser, and it does not hold client funds. AFG prepares and positions your file and aligns you with one suitable capital provider. The provider makes every funding decision and transacts directly with you.

To be considered, your business must:

• Be an operating U.S. business with at least 1 year of activity
• Generate U.S. revenue
• Have been producing revenue for at least 6 months
• Average at least $25,000 a month in business deposits
• Operate in a non-restricted industry
• Bank with a U.S.-chartered financial institution. Statements from fintech or digital-only platforms are not accepted.
• Be willing to provide the required documents

Industries not eligible: cannabis, gambling, adult content, crypto, firearms and payday lending.

This is for verified operating businesses and principals with complete documentation, a credible use of funds, and a clear repayment or exit strategy. It is not a promise of financing or approval.

Verification, not application. We don't send your file to every lender who will take it. We verify it, position it, and take it to one curated capital provider.

1. Submit your file. Upload your financials through the Capital Concierge.
2. AFG review. We verify your documents, look at your real cash flow (including any existing advances or debits), and position your case for the provider.
3. Soft approval. The provider gives an initial indication once it has reviewed your file.
4. Formal offer. After underwriting, the provider issues a formal offer. Read every term: the amount, total cost and how repayment is collected. Nothing moves forward without your approval.
5. Funding. The provider disburses funds directly to your business after final approval.

Pause anytime. If the offer doesn't fit your cash flow, you can stop. You are never obligated to accept an offer.

Most capital providers ask for:

• 6 months of business bank statements from a U.S.-chartered commercial or retail bank
• Year-to-date profit and loss statement and balance sheet
• Prior-year business tax return
• Aging reports (receivables and payables)

A complete file is the single biggest factor in how smoothly your file moves.

AFG is paid when the bank, lender, or private equity source sends the funds. Success fees apply only to complete files. If the file is incomplete, preparation work is handled under a written advisory retainer, agreed before it begins.

Independent third-party costs, such as due diligence, escrow or legal fees, are disclosed separately in writing when required. They are paid to those professionals, not to AFG.

Strategy call: $297, refunded at funded close. The fee is waived if you upload your documents through the Capital Concierge before the call.

Brokers: you earn 10% of AFG's fee on every closed deal you introduce, including broker-to-broker introductions. It is confirmed in writing and paid via escrow.

20 to 120 banking days, starting once the provider confirms your file is complete. File quality, industry and underwriting all affect where your file lands in that range. We'll tell you plainly where you stand.

AltFunds Global is an independent consulting firm specializing in structured capital advisory. It is not a bank, lender, broker-dealer, fund or registered financial adviser and does not hold client funds. All funding decisions and transactions are made independently by the capital providers. Nothing on this page is a promise of financing, approval, amount or timing.