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  <xs:element id="afcg_NumberOfPortfolioCompaniesInvestments" abstract="false" name="NumberOfPortfolioCompaniesInvestments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afcg_InvestmentOwnedPercentOfInvestmentsAtFairValue" abstract="false" name="InvestmentOwnedPercentOfInvestmentsAtFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_DebtSecuritiesFirstLienMember" abstract="true" name="DebtSecuritiesFirstLienMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_CannabisSectorMember" abstract="true" name="CannabisSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_CommercialAndProfessionalServicesSectorMember" abstract="true" name="CommercialAndProfessionalServicesSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_InvestmentOwnedAndCashAndCashEquivalentsFairValue" abstract="false" name="InvestmentOwnedAndCashAndCashEquivalentsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_ChangesInInvestmentsAtFairValueRollForward" abstract="true" name="ChangesInInvestmentsAtFairValueRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afcg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetConversionFairValueAdjustment" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetConversionFairValueAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNetAccretionOfDiscountOnInvestments" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNetAccretionOfDiscountOnInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPaymentInKindInterest" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPaymentInKindInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_RecoveryAnalysisMember" abstract="true" name="RecoveryAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_YieldAnalysisMember" abstract="true" name="YieldAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_MarketQuotesMember" abstract="true" name="MarketQuotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_MeasurementInputRecoveryRateMember" abstract="true" name="MeasurementInputRecoveryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_MeasurementInputMarketYieldMember" abstract="true" name="MeasurementInputMarketYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_LoansHeldForInvestmentFairValue" abstract="false" name="LoansHeldForInvestmentFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_InterestReceivables" abstract="false" name="InterestReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_PaymentInKindReceivable" abstract="false" name="PaymentInKindReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_UnusedFeesReceivable" abstract="false" name="UnusedFeesReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_TCGSLCreditAgreementMember" abstract="true" name="TCGSLCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_SeniorNotesDue2027Member" abstract="true" name="SeniorNotesDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_LineOfCreditFacilityCommitmentFeePayable" abstract="false" name="LineOfCreditFacilityCommitmentFeePayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_DebtInstrumentCovenantMinimumLiquidity" abstract="false" name="DebtInstrumentCovenantMinimumLiquidity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_DebtInstrumentCovenantMinimumAnnualDebtServiceCoverage" abstract="false" name="DebtInstrumentCovenantMinimumAnnualDebtServiceCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afcg_DebtInstrumentCovenantMaximumSecuredDebtToTotalAssetsPercentage" abstract="false" name="DebtInstrumentCovenantMaximumSecuredDebtToTotalAssetsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_LineofCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineofCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_LineOfCreditFacilityMaximumBorrowingCapacityPermanentIncrease" abstract="false" name="LineOfCreditFacilityMaximumBorrowingCapacityPermanentIncrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_LineOfCreditFacilityMaximumBorrowingCapacityTemporaryIncrease" abstract="false" name="LineOfCreditFacilityMaximumBorrowingCapacityTemporaryIncrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_LineOfCreditFacilityMaximumBorrowingCapacityIncreaseDecrease" abstract="false" name="LineOfCreditFacilityMaximumBorrowingCapacityIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_DebtInstrumentRedemptionPriceChangeOfControlTriggeringEventPercentage" abstract="false" name="DebtInstrumentRedemptionPriceChangeOfControlTriggeringEventPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_DebtInstrumentDebtServiceCoverageRatio" abstract="false" name="DebtInstrumentDebtServiceCoverageRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afcg_DebtInstrumentTotalInAggregatePrincipalAmount" abstract="false" name="DebtInstrumentTotalInAggregatePrincipalAmount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_IncurOrMaintainSecuredDebtInstrumentTotalDebtInAggregatePrincipalAmount" abstract="false" name="IncurOrMaintainSecuredDebtInstrumentTotalDebtInAggregatePrincipalAmount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_TCGSLRevolvingCreditFacilityMember" abstract="true" name="TCGSLRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_AFCFRevolvingCreditFacilityMember" abstract="true" name="AFCFRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_ContractualObligationLoanCommitments" abstract="false" name="ContractualObligationLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_ContractualObligationDrawnLoanCommitments" abstract="false" name="ContractualObligationDrawnLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_ShelfRegistrationMember" abstract="true" name="ShelfRegistrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_OpenMarketSaleMember" abstract="true" name="OpenMarketSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_EquityIncentivePlan2020Member" abstract="true" name="EquityIncentivePlan2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_SaleOfStockMaximumOfferingProceeds" abstract="false" name="SaleOfStockMaximumOfferingProceeds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_SaleOfStockCommissionPercentage" abstract="false" name="SaleOfStockCommissionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_SaleOfStockRemainingAuthorizedAmount" abstract="false" name="SaleOfStockRemainingAuthorizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_ExerciseTaxAsAPercentageOfUndistributedOrdinaryIncomeAndNetCapitalGains" abstract="false" name="ExerciseTaxAsAPercentageOfUndistributedOrdinaryIncomeAndNetCapitalGains" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_FiveBorrowersMember" abstract="true" name="FiveBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_InvestmentCompanyOperatingExpenseRatio" abstract="false" name="InvestmentCompanyOperatingExpenseRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_InvestmentCompanyNetOperatingExpenseRatio" abstract="false" name="InvestmentCompanyNetOperatingExpenseRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_InvestmentCompanyDebtRelatedExpenseRatio" abstract="false" name="InvestmentCompanyDebtRelatedExpenseRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_FundedAndUnfundedLoanCommitmentsMember" abstract="true" name="FundedAndUnfundedLoanCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_FundedLoanCommitmentMember" abstract="true" name="FundedLoanCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_FinancingReceivableAllowanceCommitmentBalance" abstract="false" name="FinancingReceivableAllowanceCommitmentBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_NumberOfLoansHeldForInvestments" abstract="false" name="NumberOfLoansHeldForInvestments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afcg_LoansHeldForInvestmentAtCarryingValueAggregateCommitments" abstract="false" name="LoansHeldForInvestmentAtCarryingValueAggregateCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_PercentageOfLoansHeldWithFloatingInterestRates" abstract="false" name="PercentageOfLoansHeldWithFloatingInterestRates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_LoansHeldForInvestmentWeightedAverageRemainingLife" abstract="false" name="LoansHeldForInvestmentWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afcg_KristoffBuyerLLCMember" abstract="true" name="KristoffBuyerLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_KristoffParentLLCMember" abstract="true" name="KristoffParentLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_CashInterestRateMember" abstract="true" name="CashInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_PaymentInKindInterestRateMember" abstract="true" name="PaymentInKindInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afcg_ReceivableWithImputedInterestPurchasedAmount" abstract="false" name="ReceivableWithImputedInterestPurchasedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afcg_ReceivableWithImputedInterestDiscountRate" abstract="false" name="ReceivableWithImputedInterestDiscountRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afcg_ReceivableWithImputedInterestEffectiveYieldInterestRateAtBorrowerOption" abstract="false" name="ReceivableWithImputedInterestEffectiveYieldInterestRateAtBorrowerOption" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
