Small business owners often assume financing approval comes down to a single number — credit score. In reality, approval decisions in 2026 are shaped by a broader, more practical picture of how a business operates day to day. Lenders today are focused less on perfection and more on sustainability. They want to understand whether a…
Read MoreHow to Get Same-Day Business Funding Without Collateral Traditional loans require collateral, high credit scores, and long underwriting.Quick working capital funding offers same-day decisions based on business performance, not personal credit. Feature Quick Working Capital Traditional Bank Loan Approval Speed Hours Weeks Collateral ❌ Not Required ✅ Often Required Credit Impact Soft Pull Hard Inquiry…
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To promote favorable odds on returns lenders have contained investments and labeled them as potentially “high or low” risk. Markets and businesses to be defined as low risk tend to bring greater stability. However, as a “high risk” investment lenders will often wish to render with further caution. Determining how one’s business practice is viewed…
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No matter how you cut it, slice it, or dice it you will hear names from Merchant Cash Advance or Fin-Tech companies as Merchant Cash Advance being coined small business loans, small business funding, investor capital, and working capital. It is all the same thing, and this money is not bank money. It is investor money…
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A good broker or financial consultant knows his or her industry to a T. The broker will do all the heavy lifting for you while you’re out helping to strengthen your business. A good broker you can trust will always present you with the best solution long term. The broker will know just off a…
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The success of VIP Capital Funding starts with its ability to focus on the customer. VIP Capital Funding is analogous to a Navy Seal Team who is, although smaller, their skill set and capabilities are far superior compared to a military group of 10,000 military personnel. Because VIP Capital Funding is a smaller group, they…
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Small businesses have a unique structure and unique needs. As such, the financing they require during different times of their life cycle or at certain milestones means they need to look for adequate options. But taking out a loan for your business isn’t a small decision – you don’t want to borrow more than you…
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Over the years merchant cash advances have built a reputation of desperate business owners looking for money with high-interest rates. But this is far from the truth, as it all depends on your profit margins and your plans for utilizing the deployment of the working capital. The common misconception is the high-interest rate over 6-12 months…
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Joshua Triplett has been in the financial industry for almost 7 years and has a plethora of knowledge in guiding small business owners toward the right solution. He first analyzes the business owners short term problems and creates a long term solution. The competitive advantage that he holds in the industry is by having a…
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First, breaking down interest rates and repayment Merchant Cash Advance On average you will see factor rates on MCA’s between 1.25-1.499. For simplicity matter that is 25%-49.99% Interest rate. That may sound like a lot, and it is a lot for the personal consumer who is paid hourly or salary. But for a business owner…
Read MoreVIP 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.
A VIP Capital Funding specialist is standing by to help. Whether you’re ready to apply or just exploring your options, we’re here to guide you through the process and find the right funding solution for your business.
