See what your revenue
actually supports.
Four questions. No credit pull, no contact details, no phone call. The estimate updates as you type.
$19,000–$90,000
Across 3 of 5 products · fastest funding as fast as 24 hours
- Revenue Based Financing$25,000 – $45,000
Factor 1.15 – 1.45 · 3 – 18 months · As fast as 24 hours
- Business Line of Credit$19,000 – $34,000
8% – 28% APR · 6 – 24 month draw · 2 – 5 business days
- Equipment Financing$50,000 – $90,000
7% – 24% APR · 24 – 72 months · 3 – 7 business days
- SBA LoansNot yet
Typically needs a 660+ personal score. Revenue Based Financing does not use a score floor.
- Invoice FactoringNot yet
Requires commercial or government customers you invoice on terms. Applies only if you bill other businesses rather than consumers.
Estimates only, based on the information entered. Not a guarantee of funding. Qualification criteria, amounts, rates and terms vary by business and are set by the funding provider.
Five ways to fund your business
Different problems call for different capital. We review your business directly and help you choose the funding product that fits your needs.
Revenue Based Financing
Capital advanced against your future revenue, repaid as a small share of daily or weekly deposits.
- Amount
- $5K – $500K
- Funding speed
- 24 hours
Business Line of Credit
A revolving credit limit you draw against only when you need it, paying interest solely on what you use.
- Amount
- $10K – $250K
- Funding speed
- 2 – 5 days
Equipment Financing
Term financing for machinery, vehicles, and hardware, secured by the equipment itself.
- Amount
- $10K – $1M
- Funding speed
- 3 – 7 days
SBA Loans
Government-guaranteed term loans offering the lowest rates and longest terms available to small businesses.
- Amount
- $50K – $5M
- Funding speed
- 30 – 90 days
Invoice Factoring
Convert unpaid customer invoices into cash today instead of waiting on net-30, net-60, or net-90 terms.
- Amount
- $10K – $2M
- Funding speed
- 1 – 3 days
For business owners who own their home
Fund your business with a home equity line of credit
A HELOC turns your home equity into flexible, revolving capital — often at a lower cost than unsecured business funding. Draw what you need, repay, and draw again.
Secure online application. Most applicants hear back within one to two business days.
How funding works
Three steps from first click to cleared funds. Most clients finish the application before their coffee gets cold.
Start your application- 1
Apply in about two minutes
Answer a short set of questions and upload three months of bank statements. No tax returns, no business plan, and no hard credit pull to get started.
- 2
We review your business
Our team reviews your revenue, industry, and timeline. For specific files, we can also shop the application to funding partners if a partner program may fit better. We explain available terms before you decide.
- 3
Funds land in your account
Sign electronically and the capital is wired. Short-term products can be funded the same day; longer-term products follow the timeline we set with you up front.
What it actually costs.
Set the terms and the full breakdown recalculates, including the cost of capital in dollars. Every row in the comparison below moves with it.
- Total funded
- $100,000
- Total payback
- $132,000
- Cost of capital
- $32,000
- Daily payment
- $698.41
- Holdback
- 12.2%
32.0% of the amount funded, at factor 1.32
Share of an average day of deposits
Estimates only, based on the information entered. Not a guarantee of funding. Qualification criteria, amounts, rates and terms vary by business and are set by the funding provider.
The same $100,000 across every product
Each row uses that product’s representative factor and term, capped at its real ceiling. Amounts shown in muted type exceed what the product supports at this size.
| Product | Funded | Factor | Total payback | Cost of capital | Payment | Term |
|---|---|---|---|---|---|---|
| Revenue Based Financing | $100,000 | 1.32 | $132,000 | $32,000 | $698.41 | 3 – 18 months |
| Business Line of Credit | $100,000 | 1.18 | $118,000 | $18,000 | $468.25 | 6 – 24 month draw |
| Equipment Financing | $100,000 | 1.22 | $122,000 | $22,000 | $161.38 | 24 – 72 months |
| SBA Loans | $100,000 | 1.45 | $145,000 | $45,000 | $57.54 | 5 – 25 years |
| Invoice Factoring | $100,000 | 1.06 | $106,000 | $6,000 | $2,523.81 | Per invoice, 30 – 90 days |
Representative factors and terms shown for comparison. Estimates only, based on the information entered. Not a guarantee of funding. Qualification criteria, amounts, rates and terms vary by business and are set by the funding provider.
Funding for the industries we know
Every sector has its own cash flow pattern. We underwrite against yours.
Operators who could not wait on a bank
“Our walk-in cooler failed on a Friday. VCA had the equipment financing approved Monday and paid the vendor Tuesday. We never closed a single service.”
Marcus Whitfield
Owner, Harbor Street Kitchen
$85,000 · Equipment Financing
“Two banks turned us down over a credit event from four years ago. VCA looked at what we actually deposit every month and funded us in two days.”
Renée Alvarez
Founder, Alvarez Logistics Group
$140,000 · Revenue Based Financing
“The line of credit changed how we operate. We take on larger contracts now because we are not waiting on one customer to pay before we can staff the next job.”
David Okonkwo
Managing Partner, Meridian Build Co.
$200,000 · Business Line of Credit
Questions we get every day
Straight answers on speed, credit, cost, and what actually happens after you apply.
Ask us something elseRevenue based financing and factoring can fund in as little as 24 to 72 hours once we have your statements. Lines of credit typically take two to five business days, equipment financing three to seven, and SBA loans 30 to 90 days. We tell you the realistic timeline before you apply, not after.
See what your business qualifies for
A few minutes, three months of statements, and no impact to your credit score. You will know your real options before you commit to anything.