American Funding Solutions LLC

What American Funding Solutions LLC does

American Funding Solutions LLC (AFS), operating through funding4you.com, is a private Missouri-domiciled LLC that provides invoice factoring and accounts receivable financing to small service-based businesses across the United States. The company's core product converts unpaid invoices into immediate working capital, advancing up to 90% of invoice value typically within 24 hours, with factoring fees of 1-4% deducted from the reserve balance upon customer payment. AFS focuses on three primary verticals — staffing agencies (including healthcare, medical, and dental staffing), security guard companies, and cleaning/janitorial service firms — addressing the cash flow gap created by weekly payroll obligations versus net-30/60/90 client payment terms. It also serves a secondary segment of other B2B service companies such as light industrial, manufacturing, and transportation businesses.

The technology platform consists of an online application process, a self-serve client portal branded Nimbus FactorFox for invoice submission and account management, and an interactive factoring rates calculator. The business operates on a fully remote, asset-light model with a single headquarters in Blue Springs, Missouri, no physical branches, and a 1-10 person team. Distribution is primarily through direct online applications, supported by a nationwide broker and referral program, an SEO-driven city-page strategy covering 35+ US markets, and affiliate partnerships with QuickBooks, FreshBooks, Gusto, ADP, and PartnerStack. Revenue is generated transactionally via factoring fees, with no monthly minimums and no long-term contracts.

Strategically, AFS has emphasized vertical specialization over horizontal scale, formalized by a November 2025 nationwide program expansion and a partnership with The NOSA Group in the staffing industry. The company is bootstrapped with no disclosed institutional funding, ownership concentration in founder/operator hands, and operates as a profitable lifestyle business serving a niche of underbanked SMBs that lack access to traditional bank financing.

Name

American Funding Solutions LLC

Legal name

American Funding Solutions LLC

Website

https://funding4you.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

American Funding Solutions LLC is a Missouri-based invoice factor providing 24-hour working capital advances (up to 90% of invoice value, 1-4% fees) to small U.S. staffing, security, and janitorial businesses via its funding4you.com platform and broker network.

Ownership category

akta.pro rank

Product category

Invoice Factoring

NAICS

Sales Financing (52222), Sales Financing (522220), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industries

Invoice Financing, Factoring & Receivables Management (FSAGAJAB), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Invoice factoring services
• Accounts receivable financing
• Payroll funding solutions
• Small business factoring
• Working capital financing

Headquarters

HQ city

Blue Springs

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Invoice Factoring Fees: American Funding Solutions generates revenue through factoring fees charged on invoices. Fees typically range from 1%-4% or 2%-4% of the invoice value, depending on customer credit strength, industry, invoice volume, and payment terms. The fee is deducted from the reserve balance when the customer pays the invoice. This is the primary revenue stream for the company.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

American Funding Solutions provides invoice factoring (accounts receivable financing) to small service-based B2B companies in the United States, advancing up to 90% of unpaid invoice value within 24 hours at factoring fees of 1%–4% per invoice. The company specializes in payroll funding for staffing agencies and offers flexible no-minimum factoring, supported by an online client portal (Nimbus FactorFox) and a digital application process. A broker and referral partner program supplements direct online acquisition.

Product overview

American Funding Solutions LLC offers a unified invoice factoring platform for small service-based businesses across the United States. The core product is invoice factoring (also called accounts receivable financing), which enables businesses to sell unpaid invoices for immediate working capital—typically receiving up to 90% of invoice value within 24 hours without taking on debt. This core service is differentiated into specialized offerings: Payroll Funding for staffing agencies with weekly payroll demands, and Flexible Funding with no minimums for businesses wanting commitment-free factoring. Supporting the platform are add-on modules including a Client Portal (Nimbus FactorFox) for account management, a Factoring Rates Calculator for cost estimation, and referral/partner programs. The company also provides access to complementary services through partnerships: invoicing software (FreshBooks, QuickBooks) and payroll/bookkeeping services (Gusto, ADP). The complete process from application to funding typically takes approximately 5 days.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring for Small Businesses Invoice factoring service that enables small service-based B2B companies to convert unpaid invoices into immediate working capital within 24 hours, with advance rates up to 90% of invoice value and factoring fees of 1%-4% per invoice.
• Payroll Funding Specialized invoice factoring service for staffing agencies that bridges the gap between invoicing and payment collection, providing immediate cash flow for weekly payroll needs.
• Flexible Funding: Invoice Factoring With No Minimums Invoice factoring service with no monthly minimum requirements, allowing businesses to factor only the invoices they choose without long-term commitments.
• Referral Program Partner program that allows brokers, financial advisors, business consultants, and satisfied customers to earn commissions by referring businesses in need of factoring and payroll funding services to AFS.

Quantifiable outcome

• Up to 90% of invoice value available within 24 hours
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• GustominorImplementation/ SI/ Consulting PartnerPayroll services partnership providing AFS clients access to Gusto's payroll platform. Recommended for outsourced payroll services to help staffing agencies manage employee payroll, tax deposits, and compliance.
• ADPminorImplementation/ SI/ Consulting PartnerPayroll services partnership offering ADP's payroll solutions to AFS clients. Promoted for benefits including free quote requests and comprehensive payroll management.
• The NOSA GroupcoreStrategic or Co-development PartnerStrategic partnership with staffing agency consulting leader. The NOSA Group is featured in AFS content discussing payroll funding for staffing agencies. AFS hosted joint TopGolf event with NOSA at ASA StaffingWorld conference, indicating collaborative relationship in staffing industry.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• 1st Commercial Credit: 1st Commercial Credit provides factoring and accounts-receivable financing for staffing agencies and small businesses. It directly overlaps with AFS's staffing-vertical factoring offerings and SMB target market.
• AltLine by TAB Bank: AltLine is a specialized invoice factoring division of TAB Bank focused on staffing, transportation, and SMB receivables financing. It directly competes with AFS in the staffing-agency factoring vertical with similar client profiles.
• Riviera Finance: Riviera Finance is an established factoring company providing invoice factoring and receivables management to small and mid-sized businesses. It mirrors AFS in offering non-recourse factoring services to staffing and service-based SMBs.
• FundThrough: FundThrough provides invoice factoring and working capital to small businesses, particularly those serving large enterprise/government clients. It overlaps directly with AFS in SMB receivables financing with similar advance-rate and fee structures.
• eCapital: eCapital is a commercial finance company offering factoring, lines of credit, and asset-based lending to SMBs across multiple verticals including staffing and services. It competes with AFS for the same staffing/security/cleaning factoring clients.
• TCI Business Capital: TCI Business Capital specializes in invoice factoring for small to mid-sized businesses, including staffing and service industries. It targets the same SMB factoring client profile as AFS with comparable advance rates and fee schedules.

Broad incumbents

• BlueVine: BlueVine is a tech-enabled fintech offering invoice factoring and lines of credit to small businesses. It competes directly with AFS in SMB invoice factoring but operates at much larger scale with venture funding and broader product offerings.
• Fundbox: Fundbox provides working capital and invoice-based financing to small businesses through a digital platform. It targets the same SMB working-capital gap as AFS via advance rates against receivables, with broader financial backing and automation.

Emerging players

• Breakout Capital: Breakout Capital offers invoice factoring and working-capital solutions to small businesses, including staffing and service-based companies. It competes with AFS for similar SMB factoring deals at the smaller end of the market.
• United Capital Source: United Capital Source provides alternative funding including invoice factoring and working-capital loans to small businesses nationwide. It overlaps with AFS in serving SMBs that have difficulty accessing traditional bank financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/FundingKim
• LinkedInlinkedin.com/company/funding4you

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Funding Solutions LLC