America Funding Lending (AFL) We have the solutions you need. We offer finance for good and bad credits types including: unsecured small business loans, unsecured start up loans, business cash advance, accounts receivable factoring and unsecured personal loans without requiring collateral, payday loans, auto loans, debt consolidation loan, commercial loans, (SBA) 7(a), SBA 504 loans, franchise financing, equipment lease, lines of credit and working capital to grow and manage your business.