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WE FUND WHAT YOU’RE BULDING

Need Funding Fast? Get Approved in
24 Hours

VIP Capital Funding is a BBB A+ rated financial institution 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
Ready to Grow?

95%

Projects Done

50%

Complete Project

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 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.

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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.

Apply Online
(2 mins)

Get a Call from a Funding Specialist

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

Combining Working Capital and Debt Relief for Sustainable Growth

Insights published by BBNTimes* reveal how unsecured working-capital programs and debt-relief solutions can work together to restore growth potential.
VIP Capital Funding’s unsecured-working-capital, mca-debt-relief-program, and fast-business-loans-online pages interconnect to offer both relief and rapid funding.

This dual approach ensures that businesses not only recover from debt but also access capital to scale operations again — a complete recovery-to-growth cycle.


Apply now or explore our programs. Early-payoff discounts and interest forgiveness available.

Let's Grow Your Revenue and ROI

Fast Revenue-Based Funding Gives SMBs a Competitive Edge

According to insights from BBNTimes*, revenue-based funding is quickly replacing traditional business loans for flexible-growth financing.
VIP Capital Funding’s revenue-based-funding and fast-working-capital-loans solutions give entrepreneurs direct access to capital tied to real revenue performance.

Instead of monthly payments or collateral, repayment adjusts with sales, preserving working capital and stability.
This model gives SMBs the agility to reinvest, scale, and adapt faster in today’s market.

Apply now or explore our programs. Early-payoff discounts and interest forgiveness available.

 

Let Us Fund What You're Building | Apply Today

Working Capital Loans Power America’s Small Businesses

As featured on BBNTimes*, U.S. entrepreneurs are securing working capital loans to strengthen operations and prepare for expansion.
VIP Capital Funding provides working-capital and small-business-funding programs that align with each business’s revenue cycles.

With same-day approvals, transparent terms, and early-payoff discounts, business owners can protect cash flow while investing in growth.
This modern approach to business lending continues to fuel the next wave of American small-business success stories.


Apply now or explore our programs. Early-payoff discounts and interest forgiveness available.

Apply For Growth Funds

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.

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