How It Works
Getting funded through Velica Capital is simple, transparent, and completely pressure-free. Here is exactly what to expect from application to funding.
The Process
Four simple steps from application to funds in your account. No hidden steps, no surprises.
Apply Online in Minutes
Fill out our short application with basic business and revenue information. No tax returns, no bank statements required upfront. We just need to see that your business is generating consistent revenue.
We Match You With Funders
Our system reviews your application and matches you with funders who specialize in your industry and credit profile. You'll receive multiple offers within hours, not days.
Review Your Options
We send all offers by email with clear breakdowns of factor rates, fees, and repayment terms. Compare them side by side. Take your time - there's no pressure and no expiration date on our quotes.
Funded in Your Account
Once you select an offer and sign the agreement, funders typically fund within 24-48 hours. Money goes directly to your business bank account. You start repaying through automated daily or weekly ACH.
Why Work With an ISO
Velica Capital is an Independent Sales Organization (ISO). We represent multiple funders and match businesses with the right funding product for their specific situation.
When you apply directly to a funder, you get one option at one rate. When you work with us, our network competes for your business - which means better offers and more choices.
The best part: our service is free to you. Funders pay our commission as part of their customer acquisition cost. You never pay anything out of pocket.
ISO Commission Covered
We earn a commission from the funder, not from you. Working with us costs nothing extra - you get the same rate or better than going directly.
Multiple Offers
Instead of one option, you get multiple offers from different funders. Compare rates and terms to find what works for your business.
Apply Online
No pushy sales calls or pressure from us. No endless follow-ups. Review at your own pace and reach out when you're ready.
Fast Decisions
Most applications receive same-day review. Funders can approve and fund within 24-48 hours of offer acceptance.
What You'll Need to Apply
The application takes minutes. Have this information ready:
Business Information
- Legal business name
- Years in business
- Industry / business type
- Estimated annual revenue
Owner Information
- Name and contact email
- Ownership percentage
- Credit score range (optional)
- Time at current address
No bank statements or tax returns required for initial pre-approval. Funder may request additional documents during final underwriting.
Typical Timeline
Times are typical. Actual timeline varies based on funder, documentation speed, and business complexity.
Ready to Get Started
Apply online in minutes. No pressure, no hassle.