Fast Business Funding, Done Right
Velica Capital connects growing businesses with the right funding at the right time. Whether you need working capital today or equipment next month, we have funding options that fit your business.
No hard credit pull to check your options. No obligation.
How It Works
From application to funded account in as little as 24 hours. The process is straightforward by design.
Apply Online
Fill out our secure application in about 5 minutes. We ask for basic business information - no lengthy paperwork, no tax returns for most products.
Get a Decision
Most applications receive a decision within 4 to 24 hours. We work with a wide network of funders to match you with the best offer for your profile.
Get Funded
Once approved and your agreement is signed, funds are typically deposited into your business account within 1 to 3 business days.
Funding Products
We work with funders across every major business lending category. One application, multiple options.
Merchant Cash Advance
Fast capital based on your future receivables. Ideal for businesses with strong card or ACH volume who need funding quickly without a long approval process.
- $5K to $500K available
- Approval in as little as 4 hours
- Flexible daily or weekly remittances
- All credit types considered
Business Line of Credit
A revolving credit facility you draw from as needed. Pay interest only on what you use. Perfect for managing cash flow gaps and unexpected expenses.
- $10K to $250K credit limit
- Draw funds anytime
- Interest only on drawn amount
- Rebuilds as you repay
Term Loans
Fixed monthly payments over a set term. Predictable repayment schedule for businesses with established revenue and a clear use of funds.
- $25K to $1M available
- Terms from 12 to 60 months
- Fixed payment schedule
- Competitive rates for qualified businesses
Equipment Financing
Finance the equipment your business needs to operate and grow. The equipment itself serves as collateral, making approval more accessible for newer businesses.
- Up to 100% of equipment value
- New and used equipment eligible
- Terms up to 84 months
- Preserve working capital
Built for Businesses That Banks Overlook
Traditional banks are slow, rigid, and designed for companies with perfect credit and two years of tax returns. Most small businesses don't fit that mold - and they shouldn't have to.
Velica Capital works with businesses at every stage. Restaurants, contractors, trucking companies, retailers, medical practices - if your business generates revenue, we can likely find you funding.
- Businesses with less-than-perfect credit
- Companies that need capital fast - not in 60 days
- Businesses turned down by their bank
- Owners who want transparent terms and no runaround
Why Businesses Choose Velica
Speed Without Shortcuts
We move fast because we have streamlined underwriting and established relationships with funders - not because we're cutting corners. Every deal is reviewed properly.
Transparent Terms
We explain every number before you sign anything. No hidden fees buried in agreements, no bait-and-switch after approval. You'll know exactly what you're agreeing to.
No Pressure
We don't have a sales floor calling you repeatedly. We communicate by email. You review the offer on your schedule and decide when you're ready. Your inbox, your timeline.
Ready to See What You Qualify For?
It takes less than 5 minutes. No hard credit pull to check your options.
See What You Qualify For