About Velica Capital
We're a business funding company built around a simple belief: every business with real revenue deserves access to capital - not just the ones with pristine credit and 10-year track records.
Our Mission
Velica Capital exists to give small and mid-sized businesses faster, fairer access to the capital they need to operate and grow. We connect business owners with funding products and funders that traditional lending institutions overlook.
The business funding market is fragmented, confusing, and often predatory. Rates are hidden. Terms are buried in contracts. Salespeople call relentlessly. Businesses get approved for products that aren't actually right for them.
We set out to do things differently. We're selective about the funders we work with. We communicate by email only - no cold calls, no pressure. We explain the math plainly before anyone signs anything. And we only recommend products that fit the business.
What We Do
Velica Capital is an ISO - an Independent Sales Organization - in the business funding space. We work with a network of funders and match businesses to the right product based on their revenue, industry, credit profile, and funding needs.
We earn a commission from funders when a deal is originated. That means it costs you nothing to work with us - you get the same rate (or better) than going directly to a funder.
Velica Capital is a registered trade name of JC Exchange LLC, a North Carolina registered business entity.
How We Operate
These aren't marketing slogans. They're the actual operating principles we hold ourselves to.
Transparency First
We explain every number before you sign anything. Factor rates, repayment terms, fees - all of it, in plain language. No surprises buried in the fine print. You should know exactly what you're agreeing to before you commit.
Speed Without Compromise
Fast funding shouldn't mean sloppy underwriting or predatory terms. We move quickly because we've built efficient processes and work with a vetted network of funders - not because we're cutting corners on your behalf.
No Pressure, Ever
We don't have a sales floor. We don't call. We email, you review, and you decide when you're ready. If you want to take two weeks to look at an offer, that's your right. Our job is to give you good options - not to pressure you into one.
Accessible to All Business Types
Traditional lenders serve a narrow slice of the market. We built Velica to serve everyone else - businesses with thin credit files, industries banks won't touch, owners who've been turned down before. Every business deserves access to capital.
Why We Don't Use Phones
Most funding companies have phone banks. Agents call repeatedly, follow up aggressively, and try to close deals before business owners have time to think.
We work differently. Everything goes through email. You get your options, you review them at your own pace, and you reach out when you're ready. We'd rather lose a deal to a business owner who needed more time than pressure someone into the wrong choice.
This isn't just a policy - it's how we think businesses deserve to be treated.
Ready to Work With a Different Kind of Funding Company?
No phone calls. No pressure. Just options, explained clearly.
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