Business Funding Made Simple

Fuel Your Vision. Fund Your Growth. Skip the Hassle.

Running a business or flipping a property is already a full-time job.

Chasing banks, waiting weeks for approvals, or navigating complex paperwork?

That’s not where your energy should go.

That’s where we come in.

At ThickAFCredit, we specialize in fast, flexible, and accessible funding solutions tailored to entrepreneurs, real estate investors, and small businesses just like yours. Whether you’re just starting out or scaling your next big move, we deliver capital that works on your timeline—not the bank’s.

What We Offer

Funding Options Built Around Your Goals

We don’t do “one-size-fits-all.” Instead, we offer a wide portfolio of programs to match your needs, experience level, and industry.

Explore your options:

🏠 Fix & Flip Loans

Real Estate Investor Programs
Buy, Renovate, Flip—Without Tapping Your Savings.

Whether you're flipping your first single-family home or managing a multi-family project, we offer short-term bridge loans designed to get you in and out with strong ROI.

Program Highlights:

✅ Loans from $50K to $5M

✅ Up to 90% of purchase price

✅ Up to 100% of rehab costs

✅ Rates from 6.99%*

✅ Terms: 12 months (extendable to 18 months)

✅ Credit scores from 500+

newinvestor

New Investor:

85% Purchase + 100% Rehab

(up to 70% ARV)

realestateinvestor

Intermediate/Experienced:

90% Purchase + 100% Rehab

(up to 75% ARV)

properties

Eligible Properties:

Single-family

2–4 unit properties

Condos

Multi-family (5+ units)

Mixed-use (residential > 50% square footage)

🛠 Equipment Financing & Leasing

Upgrade Equipment Without Freezing Cash Flow.

From construction tools to software systems, we offer full-scope equipment financing tailored for vendors, business owners, and startups.

Program Details:

Up to $200K “Application-Only”

Terms up to 72 months

Startup friendly – up to $50K

Software-only solutions up to 36 months

100% financing, fixed payments

Deferred, seasonal, and step payment structures

Pre-approvals and pre-funding available

💸 Working Capital & Business Term Loans

Cover Payroll, Inventory, Marketing & More—Fast.

Sometimes your business just needs a boost. We offer fast-access working capital loans and term loans to help cover day-to-day expenses, invest in growth, or handle cash flow gaps.

Working Capital Highlights:

  • Loans from $10K to $500K
  • Terms: 6 to 24 months

Rates starting at 14.9%

Daily, weekly, or monthly repayment options

Revolving line of credit—draw as needed

Early payoff discounts

Consolidate up to $500K of existing loans

No prepayment penalties

Business Term Loans:

Amounts up to $500K

Terms from 3 to 36 months

APR as low as 8.99%

Easy requirements: 6+ months in business, 500+ credit score, $15K+ monthly revenue

Build business credit while you repay

🧾 Personal Loan Options

Quick Cash for Big Projects, Debt Consolidation, or Emergencies.

Need funds for home renovations, medical bills, or paying off high-interest debt? We help you get the best deal by letting lenders compete for your business.

Program Perks:

Up to $100,000

APRs starting from 4.99%**

Checking rates won’t affect your credit

Multiple offers from top lenders

Compare instantly, choose what fits you

🔐 Why Choose Us?

💰 We Think Like Entrepreneurs—Because We Are Entrepreneurs.

You’re not just a file number. You’re a visionary. We’re here to give you capital that respects your hustle.

Our Advantage:

No hidden fees

No application fees

Same-day approvals available

Pre-approval without credit hit

Dedicated loan specialist for every client

High approval rate—even for startups and credit-challenged borrowers

24/7 online access to your account

📄 What You’ll Need to Apply

We believe in transparency from the jump. Here's what you'll typically need:

✔️ Standard Docs (for all loans):

Completed Application (we’ll send it to you)

Last 3–4 months of business bank statements

Copy of Driver’s License

Voided Check

New Deal Cover Sheet (we’ll guide you)

🏘️ For Real Estate Investors:

Investor/Property Data Worksheet

Purchase Agreement (if available)

Scope of Work / Rehab Budget

Real Estate Collateral Worksheet

⚙️ For Equipment Loans:

Equipment invoice & spec sheet

Facilities list (if applicable)

📊 For Working Capital / LOC / AR Financing:

Profit & Loss Statement

Balance Sheet

Last Year’s Tax Return

Aging AR Report (if available)

💬 Let’s Make Money Moves Together

There’s no cost to explore your options. No pressure to commit. Just real funding conversations with real humans who care about your growth.