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VIP Capital Funding is a BBB A+ rated Fintech lender providing fast, reliable working-capital funding and small-business loans across the United States. Our mission is to help business owners access flexible business-funding programs from $25,000 to $15,000,000– often approved in hours and funded within 24 hours. No collateral. No credit impact. Just results.

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Top Rated and Recommended by 10,000+ Small Businesses Nationwide

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ABOUT

Smart Business Funding from $25K to $15MM — Fast, Flexible, and Built for Growth

At VIP Capital Funding, we provide nationwide working capital funding and business loan programs tailored to help small and midsize companies grow without limits. From $25,000 to $15,000,000, our financing solutions are structured for speed, flexibility, and long-term ROI — with same-day approvals, no collateral, and zero credit impact.

Whether you need to refinance a merchant cash advance, reduce daily payments, or secure extra capital to scale operations, our MCA debt relief and working capital specialists design every program around your goals. We combine transparency, early payoff discounts, and personalized support to help your business expand with confidence.

We don’t just fund your business — we build your momentum.

OUR ACCREDITATION

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WHAT WE DO

How It Works — Fast, Simple, and Designed Around Your Business

Getting funded shouldn’t feel complicated. At VIP Capital Funding, we’ve streamlined the process to make securing working capital or MCA debt relief quick, transparent, and stress-free. Our approach puts your time and growth first — with approvals in hours and funding in as little as 24 hours.

Step 1: Apply Online (Takes 60 Seconds)

Tell us about your business — how long you’ve been operating, your average revenue, and how much capital you’re seeking. There’s no credit impact and no obligation to proceed.

Step 2: Review Your Funding Options

Within hours, one of our specialists reviews your file and presents personalized programs — whether that’s working capital, MCA consolidation, or refinance options to lower daily payments.

Step 3: Receive Funding in 24 Hours

Once approved, funds are deposited directly into your business account — ready to help you expand, hire, restock, or stabilize cash flow. Same-day transfers available for qualified clients.

  • When banks say NO, we say YES — 95% approval across 700+ industries
  • Easy application with Instant processing and tailored consultations from Experienced Financial Officers with 5-30 years of experience
  • We fund based on cash flow, not credit scores or collateral
  • Use your capital for real business needs: payroll, marketing, inventory, or renovations
  • Interest Rate is tax deductible along with no pre-payment penalty
Ready to Grow?

95%

Approval and Success Rates

50%

Prepay Discounts

MISSION AND VISION

Empowering Businesses Nationwide with Smart, Reliable Working Capital Solutions

At VIP Capital Funding, our mission is to empower small and midsize businesses with 90%-95% approval ratios for flexible working capital, MCA debt relief, and growth-focused financing programs designed for real-world results. We believe every business deserves a funding partner that moves as fast as they do — with same-day approvals, transparent terms, and zero collateral required.

Backed by a BBB A+ Rating and trusted by over 10,000 business owners nationwide, our team combines experience, technology, and heart. Whether you’re expanding, refinancing, or recovering from high daily payments, we’re here to deliver financial solutions that adapt to your goals — not the other way around.

We don’t just fund growth — we help you sustain it.

At VIP Capital Funding, our mission is to empower small and midsize businesses through flexible working-capital and MCA relief programs that drive measurable growth. We’re more than a lender — we’re a funding partner trusted by over 10,000 businesses nationwide. Our team delivers transparent guidance, rapid approvals, and dedicated support so you can focus on running and expanding your business with confidence.

We combine speed, expertise, and trust to help your business thrive. With a BBB A+ Rating, funding from $25,000 to $15 million, and an approval rate of over 95%, our goal is to make access to capital fast, simple, and stress-free. Whether you’re refinancing a merchant cash advance or securing working capital for expansion, we tailor every program around your goals — not ours.

Ready to See What You Qualify For?

PROCESS

Our 3 Step Process

At VIP Capital Funding, we help small and midsize businesses secure fast, flexible working capital funding with a team that works with you, not just for you. Whether you’re expanding, hiring, restocking, or recovering from a slow season, our specialists make it easy to access business capital quickly and confidently. From MCA refinancing to unsecured working capital lines, every program is tailored to your company’s needs.

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Receive Funds in 24–48 Hours

Industry

Industry-Specific Funding Solutions Built for Real Businesses

At VIP Capital Funding, we help businesses in every industry get the working capital and financing they need to grow. Whether you run a restaurant, construction company, auto repair shop, medical practice, or retail store, our programs are built around your daily cash-flow needs — not rigid bank requirements.

From same-day working-capital approvals to MCA refinance and debt-relief options, every offer is designed to help you expand, hire, restock, or recover quickly. Our specialists understand your industry’s challenges and tailor funding solutions to match how your business really operates.

Auto Repair

Restaurants

Construction

Medical

Retail

Ready to Find Your Industry?

WHY CHOOSE US

Why Over 10,000 Businesses Trust VIP Capital Funding

From $25,000 to $15,000,000, we deliver same-day business funding that drives real growth. Whether you’re expanding, restocking, hiring, or recovering from high daily payments, our clients see 300–500% ROI and peace of mind thanks to our transparent, results-driven approach.

As a BBB A+ Rated national lender, we understand what small and midsize businesses need to stay ahead — flexibility, speed, and trust.

  • Funding in all 50 states
  • Tax-deductible interest = bigger savings
  • Small Business loans and Working Capital designed to improve cash flow over the long term
  • No collateral required — unsecured, low-doc funding
  • Early Prepay Benefits: Get up to 35% off — no fees, no penalties
Find out how much you qualify for — approvals within hours, funding in as little as 24 hours.

OUR SERVICES

Smart Capital, Backed By Real Experts

Our expert financial officers are here to help you secure the right working capital — whether you need $25K or $15 million. From SBA loans to credit lines, we match real businesses with smart funding strategies that fuel growth. We don’t just offer capital — we guide you through the process every step of the way.

Business Loans

What is Small Business Funding?

Small business funding is essential for fueling business growth and covering necessary expenses. It encompasses various financing methods such as loans, crowdfunding, grants, and investments from sources like venture capitalists or angel investors. These funds can be used for purposes like managing cash flow, expanding operations, upgrading technology, or even purchasing inventory. VIP Capital Funding provides tailored funding solutions, offering fast and accessible support to ensure businesses in every stage can thrive and reach their goals.

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LOANS & FINANCING

Explaining Working Capital Loans

Every business owner knows the constant struggle of managing cash flow. There’s a perpetual gap between expenses and customer payments, and for small businesses, even a temporary shortage can be disruptive. Working capital loans are the fuel that bridges this gap. 

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Line Of Credit

Starting Credit Line from VIP Capital Funding

Having access to flexible and reliable funding can make all the difference. Whether you’re looking to cover day-to-day expenses, invest in new opportunities, or bridge cash flow gaps, a starting credit line from VIP Capital Funding offers a dynamic solution tailored to your unique needs.

With financing options ranging from $1,000 to over $500,000, low interest rates, and no minimum credit score requirements, we’re here to help businesses of all shapes and sizes thrive.

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SBA Loans

SBA Loans with VIP Capital Funding

Securing capital is a critical milestone for small business owners looking to expand, sustain operations, or tackle unexpected challenges. At VIP Capital Funding, we specialize in connecting businesses with Small Business Administration (SBA) loans, one of the most versatile and advantageous financing options available.

With loan amounts ranging from $25,000 to $15 million, nationwide financing, and tailored solutions, our SBA loan program is designed to help your business thrive.

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OUR TEAM

The Visionaries Driving Our Success

Our world-class team of financial experts is dedicated to providing you with professional financial solutions with the working capital needed to take your business to new heights. We pride ourselves on delivering the best capital on the market.

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Joshua Triplett

Founder | President

Carlos Hernandez

Vice President

Randy Kranawetter

Chief Financial Officer

CONTACT US

Book An Appointment

Ready to get started? Fill out our quick Free Estimate Form with the details of your project. Share any relevant photos for accuracy, and we’ll provide you with a personalized, no-obligation estimate tailored to your needs.

Need Funding Support? Call Us.

(800) 735-7754

TESTIMONIALS

What Our Customers
Are Saying

4.8/5 from 1,200+ Business Owners

BLOGS

Latest Articles

Business Expansion Loans: How SMBs Scale Into New Markets With Fast Working Capital

Business Expansion Loans: How SMBs Scale Into New Markets With Fast Working Capital

Expansion Requires Capital — and Timing Matters

For growing small and midsize businesses, expansion is one of the biggest opportunities for revenue growth. New markets, new customer segments, and new service areas can transform a company’s trajectory — but only if the business has access to capital at the right moment.

Traditional lenders often slow the process down with lengthy underwriting, rigid credit requirements, and multi-week review cycles. By the time approval arrives, the expansion window may have already closed.

This is why many SMBs rely on business expansion loans powered by fast working capital. With same-day approvals and transparent terms, expansion funding allows businesses to seize growth opportunities exactly when they appear.

Explore your options:
👉 https://vipcapitalfunding.com/working-capital/

What Business Expansion Loans Help SMBs Achieve

Expansion loans are designed to support both strategic growth and operational readiness. SMBs use them to:

  • Open new locations or service areas

  • Hire additional employees or contractors

  • Purchase inventory or materials

  • Fund marketing campaigns and brand launches

  • Upgrade technology or equipment

  • Secure commercial leases or warehouse space

  • Prepare for new contracts or commercial clients

  • Strengthen operational capacity before scaling

Without flexible capital, these initiatives become slow, strained, or financially risky. With expansion funding, SMBs can move forward efficiently and confidently.

Types of Businesses Using Expansion Funding in 2026

Working capital–powered expansion is particularly effective in industries where speed, timing, and competitive positioning matter most:

  • Construction & contracting

  • Retail & e-commerce

  • Restaurants & hospitality

  • Manufacturing & distribution

  • Medical and dental practices

  • Professional services

  • Skilled trades and home services

These industries expand quickly when capital is available — but face lost opportunities when cash flow is tight.

See industry-specific programs:
👉 https://vipcapitalfunding.com/industries-we-serve/

Why Working Capital Is Better for Expansion Than Traditional Loans

Working capital programs provide several advantages over slow bank loans:

  • Same-day approvals

  • Funding within 24–48 hours

  • No collateral required

  • No hard credit pull during pre-qualification

  • Funding limits from $25K to $15MM+

  • Payment structures aligned with revenue performance

  • Ability to refinance into lower-cost terms

For SMBs expanding into new markets, these benefits are often the difference between winning and losing growth opportunities.

Managing Expansion Cash Flow

Expansion often comes with temporary strain on cash flow. New hires, new vendor relationships, new locations, and increased demand create short-term cost spikes.

Working capital stabilizes expansion by covering:

  • Payroll during ramp-up

  • Vendor and supplier deposits

  • Customer acquisition and marketing

  • Equipment or technology investments

  • Operational reserves

  • Inventory buildup

This protects the business while new revenue begins to mature.

SMBs wanting even more flexibility sometimes choose revenue-based funding:
👉 https://vipcapitalfunding.com/revenue-based-funding/

When Expansion Funding Works With MCA Relief

Some businesses want to expand but are currently slowed down by MCA daily drafts. VIP solves this with a restructuring strategy that helps SMBs:

  • Reduce daily payments

  • Improve operating cash flow

  • Remove UCC filings

  • Increase lendability

  • Qualify for more affordable capital

Relief details:
👉 https://vipcapitalfunding.com/mca-debt-relief-program/

Why SMBs Choose VIP Capital Funding for Expansion Capital

VIP Capital Funding is a preferred national partner for SMB expansion because we provide:

  • Same-day decisions

  • Transparent terms

  • No bank-style roadblocks

  • Human underwriting

  • Programs up to $15,000,000+

  • A+ BBB accreditation

  • Industry-recognized trust

Featured recognition:

BBB A+ profile:
👉 https://www.bbb.org/us/nc/raleigh/profile/financial-consultants/vip-capital-funding-llc-0593-90328015/customer-reviews

VIP helps SMBs expand smoothly, safely, and confidently — without missing key opportunities.

⭐ Apply for a Business Expansion Loan Today

Start your application:
👉 https://vipcapitalfunding.com/apply-now/

Business Operating Capital: How SMBs Strengthen Daily Operations With Fast Funding in 2026

Business Operating Capital: How SMBs Strengthen Daily Operations With Fast Funding in 2026

Operating a Business Requires Reliable Capital — Not Delays

Every small and midsize business depends on one thing to run smoothly: consistent operating capital. Without it, even strong companies can experience disruptions — delayed inventory orders, slow project starts, tight payroll weeks, or limited marketing momentum.

Yet traditional banks continue to raise documentation requirements and extend underwriting timelines. For many SMBs, the gap between when they need capital and when banks respond is simply too wide.

This is why fast, flexible business operating capital has become essential for SMBs in 2026. With same-day approvals and transparent terms, operating capital ensures businesses can keep moving without interruption.

Learn more:
👉 https://vipcapitalfunding.com/working-capital/

What Operating Capital Helps SMBs Manage

Operating capital keeps a business functioning smoothly by covering the daily essentials that power growth and long-term stability.

SMBs rely on operating capital to support:

  • Payroll and staffing needs

  • Inventory purchases and restocking

  • Rising vendor and supply costs

  • Technology upgrades

  • Marketing and advertising

  • Commercial rent and utilities

  • Equipment maintenance

  • Contract deposits and project starts

These expenses don’t pause — and operating capital ensures the business doesn’t either.

Why Fast Operating Capital Outperforms Traditional Bank Loans

Operating capital needs to move at the speed of the business, not the speed of bank underwriting.

VIP Capital’s operating capital programs offer major advantages:

  • Same-day approvals

  • Funding within 24–48 hours

  • No hard credit pull

  • Programs from $25K to $15MM

  • Terms aligned with revenue performance

  • Early payoff discounts

  • Refinance and restructuring options

These benefits allow SMBs to respond instantly to opportunities or challenges — without waiting weeks for decisions.

Industries That Depend on Operating Capital

Operating capital programs support businesses across multiple industries that experience fluctuating cash cycles:

  • Retail & e-commerce

  • Construction & contracting

  • Manufacturing & distribution

  • Restaurants & hospitality

  • Medical and dental practices

  • Professional services

  • Home services & skilled trades

In each of these industries, daily operations require liquidity — and even small interruptions can delay revenue.

Explore industry-specific options:
👉 https://vipcapitalfunding.com/industries-we-serve/

Operating Capital During Cash-Flow Gaps

Even strong businesses with excellent revenue experience temporary cash-flow strain due to:

  • Late customer payments

  • Seasonal revenue drops

  • Supply chain delays

  • Overlapping contract cycles

  • Unexpected repairs or emergencies

  • Quick growth surges requiring upfront spending

Operating capital fills these gaps instantly, helping SMBs stay stable until revenue catches up.

For added flexibility, some businesses prefer revenue-based funding:
👉 https://vipcapitalfunding.com/revenue-based-funding/

When Businesses Carry MCA Positions

If an SMB is already operating under daily MCA drafts, expanding or even maintaining daily operations can become challenging.

VIP solves this with MCA relief options designed to:

  • Reduce daily or weekly payments

  • Restore cash flow

  • Remove UCC filings

  • Improve financial health

  • Renew lendability quickly

MCA Relief Program:
👉 https://vipcapitalfunding.com/mca-debt-relief-program/

Why SMBs Choose VIP Capital Funding for Operating Capital

VIP has become a trusted national provider of operating capital because we offer:

  • Transparent terms

  • Same-day approvals

  • No hard credit pull

  • Human underwriting

  • Flexible program structures

  • Funding from $25K to $15MM+

  • A+ BBB Accreditation

PR recognition:

BBB Accreditation:
👉 https://www.bbb.org/us/nc/raleigh/profile/financial-consultants/vip-capital-funding-llc-0593-90328015/customer-reviews

VIP Capital Funding ensures your business has the operating capital it needs to stay strong, competitive, and resilient all year long.

⭐ Apply for Operating Capital Today

Start your application:
👉 https://vipcapitalfunding.com/apply-now/

Small Business Growth Funding: How SMBs Are Scaling Faster With Working Capital in 2026

Small Business Growth Funding: How SMBs Are Scaling Faster With Working Capital in 2026

Growth Requires More Than Demand — It Requires Capital

Many small and midsize businesses are positioned for growth in 2026, but even the strongest operators face one common bottleneck: access to reliable, fast capital at the right time.

Traditional bank loans are often:

  • Too slow

  • Too restrictive

  • Too credit-focused

  • Too documentation-heavy

Meanwhile, SMBs need to:

  • Hire ahead of demand

  • Expand service areas

  • Purchase inventory

  • Launch new marketing channels

  • Take on larger or more frequent contracts

  • Upgrade equipment

  • Strengthen cash flow during scaling

This is why more business owners are turning to small business growth funding — powered by fast, flexible working capital programs designed around real revenue performance.

Explore options:
👉 https://vipcapitalfunding.com/working-capital/

Why Growth Funding Has Become Essential in 2026

Your environment is competitive. Opportunities are time-sensitive. Markets shift fast.

Small business growth funding gives SMBs the ability to scale exactly when opportunity appears, not after it passes.

SMBs use growth-focused working capital to:

  • Open additional locations

  • Fund marketing and advertising

  • Expand staff and leadership roles

  • Secure bulk inventory at discounted pricing

  • Enter new geographic markets

  • Upgrade technology infrastructure

  • Stabilize operations during rapid expansion

When a business grows, its cash needs grow with it — and growth funding fills that gap instantly.

Which SMBs Benefit Most From Growth Funding?

Working capital for growth is especially effective in industries where scaling yields significant returns:

  • Construction & contracting

  • Retail & e-commerce

  • Restaurants & hospitality

  • Manufacturing & distribution

  • Medical & dental practices

  • Professional services

  • Home services & skilled trades

Each of these industries benefits from faster access to capital because demand cycles move quickly and opportunities require upfront investment.

See industry-specific breakdowns:
👉 https://vipcapitalfunding.com/industries-we-serve/

How Growth Funding Strengthens Cash Flow During Scaling

Growth is exciting — but it can also be cash-intensive.

Working capital protects SMBs from cash-flow strain by covering:

  • Payroll during rapid hiring

  • Vendor and supplier payments

  • Materials and inventory increases

  • Operational overhead

  • New customer demand

  • High-volume order fulfillment

  • Large contract deposits

When businesses grow too quickly without liquidity, they risk operational slowdown. Growth funding prevents that risk and keeps momentum strong.

Combining Growth Funding With Revenue-Based Programs

Some SMBs prefer flexible alternatives to traditional amortized structures.

Revenue-based funding provides:

  • No hard credit pull

  • Approvals based on performance

  • Payment structures tied to real revenue

  • Easier management during variable cash-flow cycles

This makes it ideal for growth-stage companies wanting to scale without rigid repayment pressure.

Explore revenue-based options:
👉 https://vipcapitalfunding.com/revenue-based-funding/

When MCA Relief Helps Growth-Focused SMBs Move Faster

If a business is scaling while carrying MCA positions, daily drafts may slow growth down — even if the business is strong.

VIP’s MCA Relief / Buyback / Restructuring Programs help SMBs:

  • Reduce daily withdrawals

  • Restore cash flow

  • Remove UCC filings

  • Improve lendability

  • Become eligible for better structures

Details:
👉 https://vipcapitalfunding.com/mca-debt-relief-program/

Why SMBs Choose VIP Capital Funding for Growth

VIP offers one of the strongest national small-business growth programs because we provide:

  • Same-day approvals

  • Funding from $25K to $15MM+

  • Transparent terms

  • Early payoff discounts

  • No hard credit pull

  • Human-driven underwriting

  • A+ BBB accreditation

VIP is also recognized across major financial outlets:

Check our A+ BBB rating:
👉 https://www.bbb.org/us/nc/raleigh/profile/financial-consultants/vip-capital-funding-llc-0593-90328015/customer-reviews

Apply for Small Business Growth Funding Today

Whether you’re preparing to expand locations, hire new staff, or increase operational capacity, growth funding gives your business the liquidity it needs to scale quickly and confidently.

Start your application now:
👉 https://vipcapitalfunding.com/apply-now/

VIP Capital Funding helps small and mid-sized businesses access fast, flexible working capital — with no credit impact, no collateral, and funding up to $15 million. We’re committed to fast approvals, real people, and a better way to fund business growth.

Ready Discover More?
Contact Us Today!

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