Access multiple funding products through a single application. We'll match you to the solution that fits your business needs.
Fast capital by selling a percentage of future daily credit card and debit card sales. Repayment is automatic and scales with your sales.
Best for: Businesses needing fast capital with inconsistent revenue. Not a loan—purchase of future receivables.
Payments automatically adjust based on your monthly revenue. Lower sales mean lower payments—built for growing businesses with strong cash flow.
Best for: Growing businesses with strong revenue but limited credit history. Minimum 6+ months in business.
Fixed monthly payments with predictable terms. You know exactly what you'll pay, making budgeting straightforward and reliable.
Best for: Established businesses wanting fixed payments and longer terms. Minimum 1+ year in business.
Draw what you need, when you need it. You only pay interest on the amount you use, giving you maximum flexibility and control.
Best for: Managing cash flow gaps and seasonal expenses. Minimum 1+ year in business.
The equipment itself serves as collateral, so you can often get better rates. Perfect for purchasing machinery, vehicles, or technology.
Best for: Restaurants, construction, trucking, and medical practices. Minimum 1+ year in business.
Government-backed loans with the lowest rates available. Requires extensive documentation but offers the best long-term value.
Best for: Established businesses that can wait for the cheapest option. Minimum 2+ years in business and detailed documentation required.
| Funding Type | Min. Credit | Min. Monthly Revenue | Min. Time in Business | Speed | Relative Cost |
|---|---|---|---|---|---|
| Merchant Cash Advance | 500+ | $10K/mo | 4–6 months | 24–72 hrs | $$$$ |
| Revenue-Based Financing | 550+ | $10K/mo | 6+ months | 3–7 days | $$$ |
| Business Term Loan | 600+ | $100K+/yr | 1+ year | 3–14 days | $$ |
| Business Line of Credit | 620+ | $100K+/yr | 1+ year | 3–14 days | $$ |
| Equipment Financing | 575+ | $50K+/yr | 1+ year | 3–10 days | $$ |
| SBA Loans | 680+ | $100K+/yr | 2+ years | 30–90 days | $ |
Complete a single application and get matched to multiple funding products instantly. No repetitive paperwork or wasted time.
Our algorithm analyzes your business and recommends the funding option that saves you the most money and gets you funded fastest.
Direct access to our funding plus 75+ lender partners. More options mean better rates and higher approval odds for your business.
It depends on your credit profile, revenue, and how quickly you need capital. MCAs are fastest (24-48 hours) and most flexible on credit. Revenue-based financing offers flexible payments. Term loans give you fixed payments. We'll help you find the best match — one application covers all options.
Yes. With Vault Capital Group's single application, we evaluate you across all available products and match you to the best option. You don't need to apply separately for each.
For merchant cash advances, we typically look for at least $10,000 in monthly revenue. Some products require more. The best way to find out is to apply — it's just a no credit pull and no commitment.
No. Vault Capital Group does not charge upfront fees to apply or get approved. Costs are built into the funding terms, which are fully disclosed before you sign anything.
Many businesses stack or refinance existing advances. Vault Capital Group works with businesses that have current positions and can often find options to consolidate or layer additional capital.