✔ Funding $25K–$5M
✔ Rates as low as 1%/mo
✔ Credit Score 500+
✔ 6+ Months in Business
Secure Online Application
Established U.S. Businesses
Fast Internal Funding
Working Capital Solutions
Business Expansion Financing
Clear Eligibility Process
At AGG Ventures Funding Group, we provide Direct Funding using Company Capital. Qualified applications are reviewed through our internal underwriting process, and funding decisions are made directly by our team without broker involvement or unnecessary intermediaries
Eligibility Requirements
Business Term Loan eligibility is based on the overall financial condition and operating history of the business.
Qualified applicants generally include established U.S. businesses with:
- At least 6 months in business
- Existing and verifiable business revenue
- An active U.S. business bank account
- A legitimate business use for the requested capital
- Credit scores starting at 500+, subject to underwriting
- Sufficient cash flow to support repayment
- Complete and accurate business documentation
- Ownership authorization to apply for financing
Approval is not based on credit score alone. AGG Ventures evaluates business revenue, cash flow, operating history, industry, requested funding amount, current obligations, and the intended use of funds.
Eligibility Disclosure
Meeting minimum eligibility criteria does not guarantee approval. Final terms and funding availability depend on the complete underwriting review.
Unlike marketplace lenders, AGG Ventures Funding Group works directly with business owners throughout the funding process.
Business Term Loan Terms and Funding Timeline
Business Term Loan structures vary based on the financial profile and funding needs of each business.
Term Length
Available repayment terms may range from:
Longer-term financing may be more appropriate for business expansion, equipment purchases, acquisitions, renovations, or other planned investments.
Shorter-term financing may be used for immediate working capital needs, inventory, payroll, seasonal preparation, or time-sensitive business opportunities.
Company Capital
Our financing solutions are supported by company capital, allowing us to evaluate opportunities internally and provide funding solutions tailored to the needs of established businesses. This approach enables greater consistency throughout the funding process.
Payment Frequency
Payment schedules may include:
- Monthly payments
- Biweekly payments
- Weekly payments
- Daily (Monday – Friday)
The available payment frequency depends on the approved financing structure, business cash flow, and underwriting terms.
Who We Serve
AGG Ventures Funding Group serves established U.S. businesses seeking reliable financing solutions to support growth, improve cash flow, and strengthen long-term financial stability. We focus on businesses with existing revenue that are ready to invest in their next stage of growth.
Construction
Funding for general contractors, subcontractors, roofing companies, electrical contractors, plumbing businesses, HVAC companies, remodeling firms, flooring specialists, and commercial construction companies.
Restaurants & Hospitality
Funding restaurants, cafés, bars, franchises, and hospitality businesses for renovations, kitchen equipment, inventory, staffing, seasonal operations, and business expansion.
Retail & E-Commerce
Helping retailers and online businesses finance inventory, warehouse operations, fulfillment, technology investments, marketing initiatives, and working capital.
Healthcare
Supporting medical practices, dental offices, outpatient clinics, pharmacies, and healthcare providers with funding for equipment, technology upgrades, staffing, facility improvements, and operating capital.
Trucking & Transportation
Helping trucking companies, owner-operators, logistics providers, freight carriers, and transportation businesses finance fleet growth, maintenance, fuel costs, payroll, equipment purchases, and cash flow.
Manufacturing
Providing funding solutions that support machinery purchases, production expansion, inventory, automation, raw materials, facility improvements, and operational growth.
Funding Timeline
A typical process may include:
Timeline Disclosure
Review and funding timelines vary. Delays may occur if additional documents, ownership verification, bank verification, credit review, or compliance information are required.
Documents You May Need
Providing complete documentation can help reduce underwriting delays.
Depending on the requested amount and financing structure, applicants may be asked to provide:
- Completed business funding application
- Government-issued identification
- Business bank statements
- Business tax returns
- Personal tax returns
- Profit and loss statement
- Balance sheet
- Debt schedule
- Business license or registration documents
- Articles of Organization or Incorporation
- EIN confirmation
- Voided business check
- Proof of business address
- Ownership documentation
- Accounts receivable aging report
- Accounts payable aging report
- Equipment quote or purchase agreement
- Lease agreement
- Acquisition documents
- Additional financial records requested during underwriting
Not every applicant will be required to provide every document.
The documentation request depends on:
- Funding amount
- Business revenue
- Time in business
- Industry
- Credit profile
- Use of funds
- Financing term
- Underwriting complexity
We offer funding solutions ranging from $25,000 to $5,000,000
Which Option Is Right for Your Business?
Frequently Asked Questions
A Business Term Loan provides a business with a lump sum of capital that is repaid through scheduled payments over an agreed term. Businesses commonly use term financing for expansion, equipment, renovations, acquisitions, working capital, inventory, technology, and other planned investments.
Established U.S. businesses with verifiable revenue and at least six months in operation may qualify. Approval depends on the complete business profile, including revenue, cash flow, industry, time in business, credit history, requested funding amount, current obligations, and intended use of funds.
AGG Ventures offers funding from $25,000 to $5,000,000, subject to underwriting. The approved amount depends on business revenue, cash flow, credit profile, industry, operating history, requested use of funds, and the business’s ability to support repayment.
Businesses may be considered with credit scores starting at 500+. Credit score is only one part of the underwriting process. Business revenue, cash flow, time in business, bank activity, industry, current debt obligations, and requested amount are also reviewed.
Available term lengths depend on the approved financing structure and business profile. Terms may range from to. Final terms are determined after underwriting and may vary based on the amount, use of funds, revenue, credit, and overall risk profile.
Payment schedules may be monthly, biweekly, or weekly, depending on the financing structure. The final payment frequency is disclosed before the business accepts the financing agreement.
Qualified applications may receive an initial decision within, provided that the application and supporting documents are complete. More complex transactions or larger funding requests may require additional underwriting time.
Approved businesses may receive funds within after final approval, verification, and completion of closing documents. Timing may vary if additional business, ownership, bank, credit, or compliance documentation is required.
Yes. A Business Term Loan may be used to open a new location, enter a new market, hire employees, purchase equipment, increase inventory, renovate facilities, invest in technology, acquire another business, or support other qualified expansion expenses
Yes. Businesses may use term financing to purchase vehicles, machinery, production equipment, technology, furniture, tools, and other business assets. Equipment financing may also be considered when the equipment itself is the primary purpose of the transaction.
Debt refinancing or consolidation may be available depending on the existing obligations, payoff amounts, current cash flow, business profile, and proposed financing structure. Underwriting will determine whether refinancing improves the financial position of the business.
Collateral requirements depend on the funding amount, financing structure, business assets, credit profile, and underwriting decision. Some Business Term Loans may be unsecured, while others may require a lien, personal guarantee, or specific collateral.
Seasonal businesses may qualify if they can demonstrate sufficient operating history, recurring revenue, predictable seasonal patterns, and the ability to support repayment. Underwriting may review a longer period of bank statements or financial records to evaluate seasonal cash flow.
The credit review process depends on the financing solution and underwriting stage. AGG Ventures should disclose whether a soft credit inquiry or hard credit inquiry will be used before the relevant credit check is completed.
Document requirements vary by transaction. Applicants may be asked for bank statements, tax returns, financial statements, identification, business registration documents, ownership records, a debt schedule, and documentation related to the intended use of funds.
AGG Ventures provides Direct Funding using Company Capital and reviews qualified applications through its internal underwriting process. Business owners communicate directly with the AGG Ventures team instead of working through a broker.
