Get $10K – $2M
in Working Capital.
We fund deals directly in-house and work with 75+ funding partners to get you the best terms, fastest. All credit profiles welcome.
Three steps.
No red tape.
From application to capital in your account — typically within 24 to 48 hours.
Quick Application
One-page application and 3 months of bank statements. No credit pull — won't affect your score. About 5 minutes.
We Match Your Deal
We fund directly or match across 75+ partners — whichever gets you the best terms, fastest.
Get Funded
Review your offer, sign, and receive capital in your business account within 24–48 hours.
Built for speed.
Built for you.
Funded in 24–48 Hours
We move fast because your business can't wait. Most deals fund within one business day.
No Collateral Required
Funding based on revenue, not assets. No liens on your property or equipment.
All Credit Welcome
Bad credit, limited history — we have options others don't. Revenue matters more than your score.
Direct + 75 Partners
One application gets you matched to the best deal — whether from us directly or our partner network.
Revenue-Based Payments
Payments flex with your sales — structured around your cash flow, not arbitrary schedules.
Simple Docs
Application + 3 months bank statements. No tax returns, no business plans, no mountains of paperwork.
See where you stand
before you apply.
Interactive calculators and checklists built by our underwriting team. Click any tool to use it instantly — no downloads, no sign-up.
The people behind
your funding.
Every deal is handled by real people who understand your business.
Michael Whyte
Founded Vault Capital Group to give small businesses the funding access that traditional banks wouldn't. Leads strategy and partnerships.
Sarah Rodriguez
10+ years in commercial underwriting. Leads our deal structuring and ensures every merchant gets the best possible terms.
James Mitchell
Manages our funding pipeline from submission to funding. Keeps deals moving so you get capital fast.
Diana Lewis
Your point of contact from first call to funded. Specializes in construction, trucking, and restaurant funding.
Robert Chen
Manages relationships with our 75+ funding partners. Ensures we always have the most competitive offers available.
Amanda Patterson
Handles post-funding support, renewals, and makes sure your experience is seamless from start to finish.
Marcus Thompson
Analyzes deal structures and risk profiles to get merchants approved fast. Specializes in high-volume and complex deals.
Nicole Vasquez
Builds partnerships with ISOs and brokers nationwide. Focused on expanding Vault Capital Group's reach to more businesses.
Funding tailored to your business
We work with businesses across every industry. Each solution is built around your revenue patterns and cash flow needs.
Real businesses.
Real capital.
Vault Capital Group got me funded when three banks turned me down. $75K in 48 hours — changed everything for my restaurant.Marcus T. — Restaurant Owner
Michael walked me through every option. I had no idea revenue-based financing even existed. Got $120K with payments that flex with my sales.Sarah K. — E-Commerce Owner
After a slow season nearly shut us down, Vault Capital Group gave us $200K to get through. Diana handled everything personally.James R. — Construction
Common questions.
Clear answers.
A merchant cash advance (MCA) is a form of business funding where your company receives a lump sum of working capital in exchange for a percentage of future sales. It's not a loan — it's a purchase of future receivables. No fixed monthly payments, no collateral, and approval is based on revenue, not credit score. Vault Capital Group provides MCAs from $10K to $2M.
Most businesses receive capital within 24 to 48 hours of approval. The process at Vault Capital Group requires only a one-page application and 3 months of bank statements. There is no credit pull to apply.
No. Merchant cash advances are based on business revenue and bank deposits, not personal credit scores. Vault Capital Group works with all credit profiles, including bad credit and limited history. Revenue matters more than your score.
Vault Capital Group funds between $10,000 and $2,000,000. The amount you qualify for depends on your monthly revenue, time in business, and industry. Most businesses receive offers the same day they apply.
We fund virtually every industry — restaurants, construction, trucking, auto repair, retail, salons, medical practices, e-commerce, HVAC, franchises, and many more. If your business generates revenue, there's likely a funding option for you.
Unlike bank loans, MCAs don't require collateral, have no fixed monthly payments, and fund in days instead of weeks. Payments flex with your sales — when business is slow, you pay less. The tradeoff is that MCAs typically cost more than traditional loans.
Latest from our blog
Expert guides on business funding, merchant cash advances, and building business credit.
What Is a Merchant Cash Advance?
Everything you need to know about MCAs — how they work, what they cost, and who qualifies.
Read article →MCA vs. Business Loan
Side-by-side breakdown of merchant cash advances and traditional bank loans.
Read article →Business Funding with Bad Credit
Options for business owners with credit challenges. You have more choices than you think.
Read article →Your growth. Our capital.
Let's go.
Quick application. Real numbers within 24 hours. No credit pull, no commitment.
Every application is reviewed by our funding team — real people, real answers.