Quick and Simple Small Business Funding From $5k-$10M

✓When Banks say NO, We say YES
✓700+ industries welcome
✓90% approval ratio
✓Credit score is not an issue
✓No upfront fees
✓No personal guarantee
✓Pre-approval within 24 hours
✓Funds delivered within 1-2 days
✓Small business working capital designed to improve cash flow over the long term
✓Easy application and tailored consultation process of dedicated Financial Consultants who persistently bring merchants the most accurate funding quotes through detailed solution based consultations all while building trustful relationships

Fast and Easy Small Business Loans From
$5k-$10M

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VIP Capital Funding's small business working capital helps businesses like yours get simple and fast business capital from $10,000-$10,000,000 within 1-2 days. Instant funding for renovations, to purchase inventory or equipment, expansion or opening new locations, marketing and advertising and more. Credit is not an issue and there are no upfront fees.  We are recognized in getting both business owners and real estate investors small business working capital needed from in growing and improving the cash flow of your business. We work directly with the most aggressive investors and lenders serving 700+ industries; to help you get the most accurate small business loan offers, while exuding outstanding customer service. Let's face it banks seldom lend to small businesses, while we start with a detailed consultation to understand your needs and wants and walk you through the process to ensure you are getting the most accurate offers throughout our pool of aggressive lenders and investors; from there the application pre-approval process is also very fast, within 24 hours.

About us

Our organization was created to support and empower small businesses, VIP Capital Funding is 100% committed to serving our customers with intelligent financing solutions and world-class service. VIP Capital Funding is the secure financing service that business owners everywhere can truly rely on. Recognized in online small business funding with innovative products & services. Helping small businesses reach their goals.

We have a plethora of financial products to fit your every need. We strive to keep long lasting relationships with our clients

 

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Reasons Why:

  • Fast Process, No upfront Fees, Funds in your account within 1-2 days
  • We value cash flow, not just credit score, unlike traditional banks we strive to get your business funded
  • Our Small Business Loans are designed to help improve and manage cash flow. Repeat customer benefits, Builds business credit
  • Team of expert Financial Consultants; specialized toward financial lending to small businesses and real estate investors that will create, analyze, and implement business plans for you
  • Dedicated Financial Consultant to discuss any of your problems, wants, and needs involving your working capital

Understanding the benefits and cost of our Financial Products:

Where does working capital come from?
 
Working capital is calculated by subtracting current liabilities from current assets. It is essentially the lifeblood of any business, without it businesses will sink.
 
What are the benefits of a working capital loan?
 
Cash flow is king in business and due to insufficient funds, about 35% of businesses are unable to grow their business or expand operations, 14% are unable to finance increased sales, 13% cut employment, and 9% are unable to increase inventory to meet demand. With small business funding, your business is better prepared to handle any challenges or opportunities that arise. Even a business that has billions of dollars in fixed assets will quickly find itself in bankruptcy if it can't pay monthly bills. Under the best of circumstances, poor working capital leads to financial pressure on a company, increased borrowing and late payments to creditors – all of which result in a lower credit rating. A lower credit rating means lenders charge a higher interest rate on money borrowed. Applying for and using a  small business working capital loan when you need it most can keep you in business when shortages in resources occur. A small business loan is one of the easiest ways to harness the potential of your business. Proper application of working capital will enhance a company's' profitability in the long run by managing day to day expenses in avoiding any operational failures. Working capital increases the chances that collection from trade receivables are paid on time as receivables is a key part of working capital which would also make for a lower case of default in paying the trade payable on due date because of proper management and allocation of cash. Lastly, it can also be a great solution for businesses that are small, just starting out, don't have traditional collateral or are simply in a period of low cash flow.
 
 You can maintain ownership of your business.
 
If you were to receive funding from an equity investor, you would likely have to give up a generous percentage of your company in return. In turn, you are giving up a portion of your decision-making power. If you borrow funds from the bank or another financial institution, you are obligated to make the agreed-upon payments on time – but that's where your obligations end. You can run your business without outside interference. In the words of Mark Cuban, "These investors know what you don't, they are not telling you; the minute you ask for money, you are playing in their game, they aren't playing in yours. You are at a huge disadvantage and it is only going to get worse if you take their money. The minute you take money, the leverage completely flips to the investor; they control the destiny of your plan; not you. Investors don't care about your plans and goals. They love that you have them, but investors care how they are going to get their money back, and then some."
 
Shorter terms are ideal for short-term problems.
 
Small business working capital loans are designed to infuse money into your business for the short term which is ideal if your need is also short term. You won't have to plan for years of monthly payments to pay back what you borrowed.
 
Use the money however you see fit.
 
Banks and other lenders have few – if any – restrictions on how you use the money. Whether you need to maintain your operations or make an investment, how you use the funds is your decision.
 
The application process is straightforward.
 
Applying for a typical business or personal loan can take up a lot of your valuable time and may not end in an approval. It often includes extensive paperwork, a lengthy approval process, putting up collateral, making fixed monthly payments and having restrictions on how you use the money. A small business working capital loan online is a great way to access funds without the long-waiting period hassles associated with a traditional bank loan. Qualification is generally determined within a few hours, if not sooner, of applying resulting in a faster turnaround when compared to traditional lenders. This makes online small business funding more appealing for those who need quicker access to capital.
 
It's your call, when you are ready we will package together the funding package neatly for the underwriting department on a silver platter and get you the funding you need fast within 24 hours

 

Understanding the cost

VIP Capital Funding offers a plethora of Financial Products based off the many different ways small businesses generate revenue. Before managing the risk of taking on funding, you must be able to predict the amount of time that the capital deployed takes to make a return on your investment. Whether that intention being a short term fix from a business hiccup or an offensive purchase of inventory, whatever the case maybe; case in point is that the capital should be used to help generate more revenue, which results in more profit.  Next is understanding the cost, as cost is determined by both time the funds are borrowed and risk to the lender based off the merchant’s profile. A Traditional Bank Loan at 8% APR over 5 years is equivalent to our Short-Mid Term Working Capital at 1.40 Factor Rate. Reason being, the Bank Loan is 40% over 5 years, and our Short-Mid Term Working Capital Loan is 40% over 6-18 months. The key difference here is the term length. Don't let a Traditional Bank fool you with single digit interest rates as that is interest rate paid annually and certainly adds up over the year. Take your house for instance over a 15-30 year mortgage and multiply the percentage; it's a lot! We give you the cost with simplicity and total transparency. As mentioned if your business is predicted to make a return every 6-12 months it wouldn’t make sense to take on a Traditional Bank Loan at the same cost and a lower amount offered if you’re predicted profits are substantially less than that. For example, a merchant gets approved from a bank for $100k for 5 years after a 90 day process and we are able to approve a merchant for $200k for 12 months (We are able to lend 100%-500% more than Traditional Banks) after a 24-48 hour process. We are able to offer $200k every year with prepayment discounts, that is $1M over 5 years because we are able to offer you $200k every year compared to $100k over 5 years from a bank with prepayment penalties. As your business grows, this amount is subject to substantially more. In the given example, that is 1000% more capital put to work for your business at the same cost, just shorter repayment periods. In fact the short repayment lengths are statistically better for small businesses as there is a lower default ratio and higher growth in annual revenue. However if your business takes a longer time to see a return on an investments we have banking partners with SBAs and Term Loans that we graduate many of our clients to that isn't as stringent as a traditional bank.

Our small business funding is designed to keep your business sailing in deep water and infused with the lifeblood of business, working capital; every 3-6 months. Not to mention we are able to get you more capital after your term is 40%-50% paid down. Our capital is ideal and designed for small business owners as the funding is given in large enough amounts and given frequently to put to work at approximately the same cost. Traditional Banks are not only lending less, but also can take a lot of time to close up to 90 days. Timing is crucial in this fast paced business world we live in today. Our capital is also tax deductible and there are prepayment discounts not prepayment penalties. Unlike banks which is backed by the government, our funds are from Private Investors and Venture Capitalists who not only believe your business will be able to repay the termed loan, but be able to grow from it as well.

VIP Capital Funding strives to build long term relationships across all of their clients and graduate their clientele to better terms and rates along the way. Ideally we want all of our clients utilizing both short-mid and long term small business loans as a solution for both short and long term needs as our Banking Partners have Termed Bank term Loans and SBAs that are also designed for small businesses unlike a Traditional Bank Loan.

The primary focus is you. Let’s move forward and get the funding you want. Give us a call, fill out the funding application or fill out the form above for a brief consultation and we will be in touch with you shortly. We are available 24-7, and there are multiple ways to contact us.

 

Easy Application, Fast Funding

Apply through our secure platform, get approved as quickly as within a few hours, and see money in the bank in as fast as one business day

Build Good Credit

It doesn't matter if you’ve recently started your business or have been around for years, building a solid business credit profile is an important step to make sure you have access to all the financing options you need to build a thriving business. We help you build business credit by reporting your good payment history to the appropriate business credit bureaus. You can also work with one of our Credit Specialists, who can help you navigate things like Secretary of State filings. Learn more about the importance of business credit by visiting our Small Business Center.

Loyalty Benefits

We want to be there for you, now and in the future. That’s why we offer discounts on fees on renewal loans; as well as the ability to qualify for lower pricing with each subsequent small business loan.

A Dedicated Consultant

From the very first call, your loan specialist is always there for you. VIP Capital Funding Loan Specialists work with business owners like you every day, so they’ll be able to answer questions about business loans, industry challenges, and picking the best financing for your situation.

The primary focus is you. Let’s move forward and get the funding you want. Give us a call, fill out the funding application or fill out the form above for a brief consultation and we will be in touch with you shortly. We are available 24-7, and there are multiple ways to contact us.

Ready to Make an Impact on your Business?

The primary focus is you. Let’s move forward and get small business funding you need to help your business grow. Give us a call, fill out the funding application or fill out the form above for a brief consultation and we will be in touch with you shortly.

Ready to Make an Impact on your Business?

Our people

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Joshua Triplett

Principal Managing Partner
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Will Winston

Partner