top of page


Our Motto:

At A1 Financial USA We GUARANTEE You Get Business Funding...

Or we coach you for 90 days FREE or until you are funded.


What is Business Funding and what can I use it for?
 Business Funding is a loan or advance meant for business purposes.
These types of fundings are unsecured, meaning that it is not necessary to have any form of collateral such as property
to be approved.
There are no specific limitations on how business funding
can be used.
Once you've been funded, you are free to use the funds
as you desire.
Investors will want you to say you'll use it on your current business at your merchant interview, however.

What is Debt Consolidation (DC)?
If you are carrying a large amount of non-credit card business debt from previous loans, our DC program can be used to consolidate your payments into one easy payment with lower interest rate. Doing so can save you lot of money.
Call for details (909)-930-9159...immediate service.

What is a Short-Term Loan, what can I use it for, and
what are the advantages?

A short-term loan is a quick, easy and convenient loan that can be used to address short term and immediate financial needs.
Short-term loans are commonly used for financial emergencies,
like home or auto repairs, unexpected medical bills, or in times
where you are falling a bit short on your budget before your next incoming money. The benefits over long term funding,
is that the fees are ultra low and the payments end quickly.

Can I be approved for funding with poor credit?
At A1 Financial USA, we believe that everyone deserves access to credit. We work with lenders that provide loans for those with excellent credit, average credit or poor credit.
Even if you are in the process of rebuilding your credit,
you can still qualify for funding at A1.
We funded a 386 FICO $22,000 in July 2019.

How do I know if I’ve been approved?
Once you submit your loan application, our lending "machine" goes to work. We'll match you with the best lender based on the information you've provided. When your match is found,
you will be notified.
You will then be directed for instructions on how to finalize
your funding.
If we are unable to match your application with a lender,
we will direct you to additional options to help address your
financial needs.

What are the rates and terms of A1 loans?
The exact terms of your loan (including interest rates, repayment periods and payment information) will be
presented to you once we determine them. Each borrower is different, has different file criteria, such as personal information, including income, industry, credit history and
ven the state that you reside in.

I've been approved for a loan - when will I receive my funds?
Once we have matched your request with a lender, A1 will direct you to instructions on how to finalize your loan.
Once you have signed for your loan, and accept your merchant call, your funds are released. Funds are typically received in your bank account by the next business day.

How much/How little can I borrow?
At A1, customers can apply for funding between $1,000 and $500 million.
The amount you are actually approved for is dependent on a number of factors, including your income, credit history,
state of residence, state of incorporation
and the lender that you are matched with. Not everyone is eligible for $500 million, of course. In the event that you are
not approved for your requested loan amount, you are still eligible to be approved for a lower amount.

Can I only apply during business hours?
A1 accepts loan applications online 24 hours a day, 7 days a week, 365 days a year. 366 Leap Year.
Our network of lenders are open during business hours,
but we are working weekends around the clock to put you in first position on Monday morning. Once you are approved,
you will receive instructions on how to finalize your loan with your lender.

How long do I have to repay my loan?
At A1 our lending network includes both installment and short-term loan lenders to serve your financial needs.
The amount of time you are given to repay your loan depends on the type of loan and lender.
Installment loans are paid back over multiple payments, usually
between 6 to 120 months. Short-term loans are usually paid back in 2 to 12 months.

Is it possible to get an extension on my loan?
Most lenders offer loan extensions & renewals and alternative
repayment options in special circumstances. We recommend
that you contact your lender directly to discuss the options available.

Which states/countries do you serve?
A1 serves all 49 states, sorry no CA at this time.
We also serve Canada, and the U.S. Territory of Puerto Rico.


"What are the requirements for loans at A1 Financial USA?"
Business Loans $1,000 to $500,000,000 350+ FICO, 3 months
of bank statements, DL photo, "voided out" business account check, SSN or TIN with work visa or comparable. Call for details.
More docs will be needed for loans over $50,000.

"I was told I need a cosigner.
Can I still get a loan through A1 Financial USA?"

ABSOLUTELY. Just have a cosigner apply by
clicking on our home page, then email us at that you applied as a cosigner.

"I own 25% of a business,
can I still get a business loan through A1 Financial USA?"

ABSOLUTELY. Just submit your Articles of Organization page with your other docs.

"Can I get a business term loan through A1 Financial USA?"
Possibly. We offer them up to 10 years in many states.

"Is it true A1 Financial USA is hiring?"
We are adding Independent Loan Franchisees at this time
Please click "Franchises" above.

"Can I get a loan if have equity, but I have no docs, no income,and a high debt ratio?"
You can. We know HARD MONEY lenders.
Although expensive, we can help you get back on your feet if you have equity. Apply normally, simply  add your last mortgage statement to your docs.

"Is it dangerous to take a Hard Money loan?"
A hard money lender can be your best friend, and help you survive, or your worst enemy, but thankfully, it all depends on YOU--paying back the loan.
Downside : If you default on your hard money loan, the HM lender can foreclose on your home and property.
The loans are usually expensive for RE loans, as much as 10-45%. Upside: You can get survival money, without tax forms, proof of income, or really much else. It's great to have that money to pay off higher interest credit cards, deduct your debt from taxes, and buying yourself time by paying your mortgage payment with the funds, so you can go back to school, start a business, pay medical bills, pay for a wedding, take a much needed vacation, or a combination of the above.


"Will I ever have to pay a fee in advance?"
Never to apply for funding for established businesses.
The only fees we ever charge are for Accounting you may need,
that you can not provide due to your not having an Accountant,
or for Start Ups with no revenue. These 2 instances take work
and manpower, and time away from serving established business owners, and we have to charge.

"Will applying negatively impact my credit score?"
It's our mission to minimally impact your credit score.
Many of our lenders only view your Equifax score, so you do not have that normal "ding" of other creditors. When a "full pull" must be done, it only impacts 2-5 points. Most of our lenders, (but not all, to be clear,)
report the loan payback to the credit bureaus, so you make up
considerably more than 2-5 points over the life of the loan.
Remember inquiries make up only 5% of your FICO score.

"Will you call me back if I call and leave a message?"
It's our mission and promise to offer the best customer service
in the USA, so yes, of course. We are very caring and prompt with our communication!

"I called, but the machine answered, so I hung up.
What should I do/have done?"

This happens when we are extremely busy and our operators can not take any more calls. Please leave a message at the beep, with your name, time you called, phone number and reason for the call, and we promise to call you as soon as humanly possible.
Please be sure to call without noise in the background, or while eating, wearing a mask,chewing gum, chewing tobacco, or immediately after dental work...(believe it or not, some people call while doing these) and please speak slowly, loudly, and clearly...
We must understand your message to help you.


"How trustworthy is A1 Financial USA?"
First off, just so you know, we have zero complaint
(and please search us if you like, we're on TrustPilot.
Search A1 Financial USA .
We're not selling you anything, we're trying to get you
financial assistance, usually money.
Fast-Easily, and Affordably....and we're all trained in
customer service and ethics, so no problems here!
As every member of our organization is mandated to take a
financial ethics course, provided by the Quality Human Corp.,
we have learned some things that changed the way we look at
the world, and companies like the BBB.
Ask yourself this: Is it ethical to force a business
to pay over $700/year to a powerful company like the BBB
just so they will call you "BBB Accredited"?...and if you don't pay, and someone searches you, they post
It seems a bit like unethical extortion, to a professionally
ethics-trained person. Pretend, if you will, your church did not
pay the $700, and you searched them.
Is it fair to passively "cast a dark shadow" on them by posting
Of course not. What they should post is:
" This business did not pay us a fee to become accredited, but they are in good standing otherwise."
That is what an ethical, honest, public serving company would do, right?..Think about it....
Also, the BBB is silently saying "You can buy trust" by giving an
"ACCREDITED" tag to anyone that pays.
A terrorist could open a pipe bomb shop and be "accredited" ...
thanks to the BBB's policies.
However, we do understand the idea of building public trust,
so we ask for reviews on TrustPilot and Alignable.


"I filed for bankruptcy under 18 months ago.
Can I still get a loan?"

If you own a business, the answer is probably yes, through us.
We can fund most any loan, even when bankruptcy is involved.
It must have been discharged by 1 day, however you can not be
in filing or "paying off" status.

"I see you have 2 differently named companies,
Are you the same?"

Yes, the same. A1 Loans USA is also under
the "dba umbrella"  of A1 Financial USA.

"What is a FICO score?"
Your FICO (Fair Isaac Co.) is a credit
score which takes information and analyzes it to predict what’s
most likely to happen over time.

"How can I build credit & a borrowing history?"
We can help you with that immensely.
Call us at (909)-930-9159.

"Can I apply for a business loan easily with you?"
We can help you better than any funding company in N.A.
Just your last 3 bank statements, DL /state I.D./Passport (U.S.)
color photo, "voided out" check and a 1 page application.
Click the "Home" icon above.

"Why do so many folks say you're the best loan provider
in the USA?"

Because our 900+ lenders FIGHT for you, the highest amount, and for the best term & rate.
We can fund the toughest files known to mankind.
We have 7 billionaires who fund over and above all others.

"Do you lend to home-based businesses?"
Yes, some of our lenders lend to home based businesses.

"Is it true my industry can hinder me from getting a loan?"
Yes, it's true. Many lenders won't lend to some industries.
Some will. We have both kinds in our 900+, so you have the
best chance with us.


"What are your hours?"
24/7/365...366 during leap
Apply or communicate online anytime, morning, Noon, or night.
Of course, our lending partners follow normal
EST business hours 9-5 EST. 

"Do you offer other loans besides Business Loans?"
Yes, see "More" above, or please call (909)-930-9159.

"Are you affiliated with A One Financial (an auto lender)?"
Not at all...but we do get their calls all day long.

"What's the difference between a Balance Sheet (BalSh) and a Profit and Loss statement (PnL)?"
The balance sheet reports the assets, liabilities, and shareholders' equity (if applicable) at a specific point in time, while a P&L statement summarizes a company's
revenues, costs, and expenses during a specific period of time.

"Do you have to log in to my account to apply?"
For applying, not at all, simply apply then download your last
3 months of business checking statements
from your online banking, email them to, with a perfect photo of your I.D.

"Do you have to log in to my account to fund?"
Every lender in the U.S. is required by law to log in
to accounts, upon funding...per Homeland Security.
It's also to verify the money is going to be deposited into
the right account...and payments will be withdrawn from the
correct, exact account. If you have issues with this, we may
have alternatives, please call (909)-930-9159.

"I heard of lenders draining accounts upon logging in,
should I be worried about this?"

Certainly not if you work with A1 Financial USA!
If some other lender "drains" an account they are obvious frauds, no real lender would ever risk prosecution and loss of their expensive lending licenses by doing such a horrible, unlawful act.
The electronic trail is so easy to trace nowadays, they must
have been outside the U.S. or EXTREMELY stupid...(sorry to say, but it's true...!)
If you make sure your lender is A1 Financial USA, in business
for 33+ years, you'll have zero worries, and only a terrific borrowing experience.

(Editor's note: If this ever happens to you, call the FBI immediately
at 1-800-CALL-FBI (800-225-5324).

Loan agents
bottom of page