Your Walmart Business+ membership just got more valuable. 

• AOF focuses on affordable lending and flexibility: We offer transparent terms, faster approvals, no hidden fees, and personalized support for underserved small business owners — helping small businesses access the capital they need to grow. 
• AOF does not judge by credit score alone: instead of relying exclusively on credit scores, AOF assesses your payment history, cash flow, and a range of other criteria to determine your creditworthiness. 
• AOF provides a community and additional support: in addition to loans, AOF offers free business advising, access to educational resources, and connections to networks that help small business owners grow. 

• Save up to $9,975 with 0% origination fee — exclusive limited-time offer for Walmart Business+ members 
• Loans up to $250,000 
• Interest rates starting at 9.99% 
• Transparent and flexible terms up to 36 months 
• No prepayment penalties 

• $300,000 or more in annual revenue 
• Two or more years in business 
• You own 20% or more of the business 
• Active Walmart Business+ member 
• Located in one of the 45 states where AOF lends (loans not available in: DC, MT, ND, SD, TN, or VT) 
• Must be at least 18 years or older 

To apply, you’ll need basic information about yourself and your business. It can be helpful to have last year’s financial information and a recent bank statement at hand. Documentation may be requested later and could include: 

• Bank statements or Plaid enrollment 
• Business tax returns 
• Voided check from your primary bank account 

We aim to keep the process simple and transparent. 

We’ll give you a quote in just 15 minutes without impacting your credit score. Once offers are presented, you will be able to choose which option works best for you — with different term lengths, monthly repayment options, and interest rates. 

Someone who is prepared with their documents can get their loan funded within two weeks. 

AOF loans can be used to purchase equipment and inventory, hire new staff, expand your business, stabilize cash flow, cover marketing costs, and more. Loans can also be used to refinance expensive debt previously taken out. 

Business advising: As a Walmart Business+ member, you have access to free one-on-one business advising from AOF — whether or not you apply for a loan. Work with experienced professionals who have a deep understanding of business development and strategic growth planning. Your membership includes up to two free 30-minute one-on-one advising sessions and access to group coaching sessions — at no cost to you. Sign up for free AOF advising

Learn with AOF: AOF’s free small business community and personalized learning platform offers on-demand financial education tailored to small business owners — including courses on financial fundamentals, data-based decision making, and advanced financial management strategies, plus practical tools and templates you can apply to your business right away. 

As a Learn with AOF member, you are part of a community that believes in your business and your potential. We combine timely access to capital with personalized guidance to help you build stability and growth on your own terms. Whether you’re growing or stabilizing your business, AOF and its community of small business owners are here to provide practical support every step of the way.