Term Loan
The classic way to fund a bigger move.
- Loan amount
- $20K – $1M
- Funding speed
- Within 24 hours
- Loan term
- 1–2 years
- Interest rate
- As low as 6%
Business funding
Business funding for the weeks cash runs short
Choose the amount the gap needs. One short application, free to send, and a funding specialist matches your shortfall to the programme built for that shape of gap.
- Free to apply
- Nothing agreed until you accept
- Takes a couple of minutes
The application is the way in, and it takes about two minutes.
Where cash flow pinches
The gaps are predictable. So is what fills them.
Most businesses run short at the same few moments every year, and know roughly when. Here is each one, and the programme that fits that shape of gap.
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Every payday
Wages go out before the invoices come in
The work is done and billed, but your customers pay on their terms, not yours. The team still expects paying on Friday.
What fits
Working Capital →- Up to $1M
- 24 – 48 hours
Working capital is made for the stretch between invoicing and being paid, and it clears on a short term once the money lands.
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Ahead of the busy season
Stock has to be bought before it can be sold
Shelves get filled weeks before the customers arrive, and the till only catches up once they do.
What fits
Short Term Business Loan →- $10K – $1M
- 1 – 2 days
A gap with a known end suits a short-term loan: borrow ahead of the rush, repay as the season sells through.
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The quiet month
Trade dips, the bills do not
Rent, insurance and the lease stay the same size when footfall halves. Most owners can name their slow month before it comes.
What fits
Business Line of Credit →- Up to $1M
- 1 – 2 days
A line of credit waits unused until that month, then you draw only what it needs and pay only for what you draw.
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When the big job lands
An order larger than the float
A customer asks for more than you have ever supplied at once. Materials, labour and delivery all come before the payment does.
What fits
Term Loan →- $20K – $1M
- Within 24 hours
A term loan puts one sum behind the whole job, on a fixed schedule you can build into the price.
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Any morning, unannounced
A repair that cannot wait
The cooler stops, the van will not start, the oven fails its check. Every day it stays broken is a day of lost trade.
What fits
Revenue-Based Funding →- $5K – $500K
- 24 – 48 hours
Revenue-based funding can move in a day or two because it leans on your card sales, not your credit file. If it needs replacing rather than fixing, equipment financing spreads the cost over the machine's working life.
Not sure which of these you are in? You do not need to be. Tell us the amount and what it is for, and the matching is our side of the job.
How it works
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.
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
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
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
The six
Six programmes, six shapes of gap
Each is built for a different kind of shortfall: how large it is, how long it lasts and what pays it back.
Short Term Business Loan
Fund your business on your terms.
- Funding amount
- $10K – $1M
- Funding speed
- As quick as 1–2 days
- Cost
- Beginning at 6%
- Term
- Up to 24 months
Equipment Financing
Equipment for virtually any industry.
- Loan amount
- Up to $250K
- Term
- 1–5 years
- Cost
- As low as 8%
- Repayment
- Monthly
Working Capital
Funding your day-to-day operations.
- Funding amount
- Up to $1M
- Funding speed
- Within 24–48 hours
- Cost
- Starting at 4.5%
- Repayment
- Daily or weekly ACH
Business Line of Credit
Flexible financing, there when you need it.
- Funding amount
- Up to $1M
- Term
- 6 months to 3 years
- Cost
- Starting at 4.5%
- Funding speed
- Within 1–2 days
Revenue-Based Funding
Quick and efficient access to capital.
- Funding amount
- $5K – $500K
- Funding speed
- 24–48 hours
- Repayment
- Daily or weekly ACH
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 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.
When you are ready
Know where your pinch is? Start there.
The application sits at the top of this page and on a page of its own. Choose the amount the gap needs, and a specialist will match it to a programme.
