Small business funding
Lending Options Without the Red Tape
Tell us about your business in about two minutes. A funding specialist reviews every application personally and comes back with options that fit your revenue, not a generic rate sheet.
- RevenueWe weigh how your business actually performs, month to month.
- HistoryTime in business tells us more than a single credit number.
- PurposeWhat the money is for shapes which structure makes sense.
No cost to apply. No obligation to accept an offer.
See what you qualify for
Interested in
- 1 Funding
- 2 Business
- 3 Contact
Application received.
Thanks, there. A Virtue Capital funding specialist will review your details and reach out shortly, usually by phone first.
(305) 712-6538Your information is encrypted in transit and never sold.
How it works
Three steps, one point of contact.
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01
Apply in minutes
Answer a handful of questions about your business and what you need. No documents required to get started.
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02
Review your options
A dedicated specialist walks you through the offers you qualify for: amounts, terms and total cost, laid out plainly.
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03
Get funded
Choose the option that fits, finalize your paperwork, and funds are deposited directly to your business account.
Funding options
Structured around how your business earns.
Not every need calls for the same product. We match the structure to the job: short-term capital for a gap, longer terms for growth, and repayment that follows your cash flow.
- Term Loans
- A lump sum for expansion, a new location or a major purchase, repaid on a fixed schedule.
- SBA Loans
- Government-backed loans with longer terms, for established businesses that can wait for approval.
- Lines of Credit
- A revolving limit you draw from as needed, paying only on what you use.
- Revenue-Based Financing (cash advance)
- A cash advance repaid from a share of your sales, so remittances follow your revenue.
- Invoice Factoring
- Get paid on outstanding invoices now instead of waiting 30 to 90 days for customers.
- Equipment Financing
- Buy or lease vehicles, machinery and tools, with the equipment itself as collateral.
Why Virtue Capital
When the bank says no, we ask about your business.
Does applying affect my credit score?
The form above asks for an estimate only and does not run a credit check. If you move forward with an offer, your specialist will tell you exactly what's reviewed and when, before anything happens.
What do I need to qualify?
Requirements vary by product. In general, we look for an established business with consistent monthly revenue deposited into a business bank account. Applying is the fastest way to see what's available to you.
What documents will I need?
None to start. After you apply, most businesses are asked for recent business bank statements and a government-issued ID. Your specialist will confirm what's needed for your situation.
How quickly can I receive funds?
Timing depends on the product and how quickly paperwork is completed. Some options can fund within days. Let us know your timeline in the application and we'll prioritize accordingly.
Am I obligated to accept an offer?
No. Applying is free, and you're under no obligation to accept any offer we present.