Built on integrity. Funded by results.
10 years in commercial finance. Helping small businesses get the capital they deserve since 2020.
AB Funding LLC is a commercial finance broker based in Sioux Falls, South Dakota. We work with small and mid-sized businesses across the country to find equipment financing, particularly for owners who don't fit the traditional bank mold.
Most of our clients have been in business for two years or more, generate consistent revenue, and need capital to grow: a new piece of equipment, a second truck, a bigger facility. They're not risky. They're just not big enough for a bank to care about.
We connect those businesses with a network of 20+ lenders who specialize in exactly that profile. One application, multiple approvals, typically within 24 hours. We negotiate competitive rates and structure terms around your cash flow, not a one-size template. No cost to apply, no obligation to accept.
We don't take a cut from your loan. Lenders pay us for the match when a deal closes. Our incentive is to find you the best fit: competitive rate, flexible terms, and a structure that works for your business.
A decade of deals, zero runarounds
Aubrey Bowman
Aubrey has spent 10 years in equipment finance, structuring equipment loans and leases for businesses across dozens of industries. He founded AB Funding LLC in 2020 with a simple premise: small business owners deserve the same access to capital that big companies take for granted, and they deserve a broker who tells them the truth.
That means transparent pricing, honest assessments, and deal structures tailored to how your business runs. If a deal doesn't make sense for you, Aubrey will say so, and help you understand what it would take to get there.
- Industry experience10 yrs
- AB Funding LLC6 yrs
- Lender relationships20+
- Funded$100M+
Straightforward. No fluff.
Fast funding
Most decisions come back within 24 hours. Equipment deals in particular move fast. Sellers don't wait, and neither do we. Many deals fund in 2 to 5 business days.
Competitive rates
Your file goes to lenders who want your business. That competition drives rates down. We negotiate on your behalf to secure the best terms your profile can command.
Custom structures
Seasonal business? Irregular cash flow? We build deals around how your business works: payment schedules, step-up structures, deferred starts when it makes sense.
Responsive communication
You'll have a direct contact from application to funding. No call centers, no hand-offs, no runarounds. Aubrey works your deal personally.
Good businesses that need a better lender
If your business has been operating for 2+ years, has a 625+ credit profile, and needs between $15,000 and $25 million+, you're in our wheelhouse for standard programs. Start-ups are considered on an individual basis with strong credit and strong assets. We work across construction, trucking, healthcare, food service, manufacturing, and dozens of other industries.
We're especially effective for owners who've been declined by a bank, are newer in business, or need speed. We specialize in finding creative structures and flexible terms that traditional lenders won't consider, and our 10 years of lender relationships mean we know exactly who to call for your specific situation.
If you're not sure whether you qualify, apply anyway. The application uses a soft credit check, so it won't touch your personal credit score, and the worst outcome is we tell you what you'd need to get there.
Ready to see what you qualify for?
Two minutes. Soft credit check only. Real offers, not estimates.