The process

From the gap to the money, in three steps

Short to fill in, and the comparing is done with you rather than left to you.

A café owner standing in his open doorway, bicycles on the walls behind him.

Step 01

Tell us where the pinch is

The amount, how to reach you, and a few questions about the business. There are no documents to gather first and nothing to pay.

Free to apply
No paperwork to start
No obligation to accept

Hands filling in a form beside a laptop.

Step 02

We match the gap to its programme

A funding specialist looks at the shape of the shortfall — how big, how long, how it gets repaid — and takes it to the lenders most likely to fund a business like yours.

One application, many lenders
Matched to how long the gap lasts
Every offer gathered in one place

Several pairs of hands, each holding a seedling.

Step 03

Choose, knowing the full cost

You see what each offer costs over its whole term and how the repayments sit against your takings. Accept one and, once approved, the money can arrive in as little as 24 hours.

The total repaid, not only the rate
Repayments set against your cash flow
Funding in as little as 24 hours once approved

A shopkeeper hanging a Welcome, we are open sign on the door.

The network's figures

The lending network behind the application

80+lenders in the network

25,000businesses funded

24 hrsto funding once approved

These are the totals of the lending network Vital Business Funding works through, not figures for this brand on its own.

Steady hands

Help that does not add to the squeeze

A short month is stressful enough without funding that makes the next one tighter. So a few things stay the same whatever you apply for.

Sized to the gap: We would rather you borrow what the shortfall actually needs than the most a lender will offer.
Repayments in plain view: Daily, weekly or monthly, set out before you sign, so you can see how they sit against your takings.
Straight answers: If an offer would leave the business worse off, your specialist will say so, and you are free to walk away.
Nothing out of pocket: Applying costs nothing, and seeing your options commits you to nothing.

The application

Start your application

A couple of minutes: how much, how to reach you, and a few questions about the business. Free to send, and nothing is agreed until you accept an offer.