Now funding new applications · Decisions in 2 hours
contact@veltcap.com☎ (917) 336-0199
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Funding decisions in 2 hours · Same-day funding

A real funding decision
in 2 hours. Funded today.

Not "24 to 48 hours." Not "we’ll get back to you." Apply in 60 seconds and a real underwriter gives you a decision in two hours — with the money in your account the same day. $25K to $15M unsecured, no collateral. Doing $15K+/month? You qualify.

Soft pull only — won’t affect your credit No documents or SSN to start No obligation · $0 fees

You’ll speak with a real advisor at a direct lender — $250M funded in-house, your file never shopped around. Call or text (917) 336-0199.

$250M+deployed
750+businesses funded
2 hrsto a decision
$0fees, always
Every industry — no exceptions Bank-level encryption · your data is never sold Every industry — including ones banks avoid
How much do you need?🔒 Secure
$250,000
Drag to estimate your funding amount
$25K$15M+
$

Takes ~60 seconds · No documents to start · Soft pull only

Bank-grade encryption
24-hour decisions
Soft pull only to apply
Dedicated advisor
$250M+ deployed 750+ businesses funded 2 hours to a decision Same day funding available Every industry accepted
How we help

Five situations we solve every week.

Composite examples of the deals that come through our desk most often — what the business was facing, how we structured it, and what changed afterwards.

ConsolidationTrucking & logistics

From four daily debits to one monthly payment

THE SITUATION

A regional fleet had stacked four merchant advances over eighteen months. Daily debits were pulling out so much of each week’s receipts that payroll was being covered on a credit card.

WHAT WE DID

We consolidated all four positions into a single term loan with one monthly payment and a longer amortisation, sized against the fleet’s actual revenue rather than its credit file.

THE RESULT

Four debits became one payment. The weekly cash drain stopped and payroll went back to running out of the operating account.

Working capitalConstruction & trades

The contract that was too big to accept

THE SITUATION

A contractor was offered a job several times larger than anything they’d run before — and was about to decline it, because materials and labour had to be carried for weeks before the first draw.

WHAT WE DID

An unsecured working-capital facility sized to the contract, approved the same morning and funded the same day. No lien on the yard, no equipment pledged.

THE RESULT

The job was accepted instead of turned down — and it became the largest contract on the company’s books.

Term loanRestaurants & hospitality

A refit without signing over the building

THE SITUATION

An owner wanted to expand the dining room and refit the kitchen. Every bank quote came back requiring the building as collateral — the one asset the family wasn’t willing to risk.

WHAT WE DID

An unsecured term loan underwritten on trading performance rather than assets, with the term stretched so the monthly payment stayed comfortably serviceable through the slow season.

THE RESULT

The refit went ahead, covers increased, and the building stayed completely unencumbered for future financing.

Commercial real estateManufacturing

Equity that was doing nothing, put to work

THE SITUATION

A manufacturer had years of equity built up in its facility and needed significant capital for new equipment — but selling or moving was never on the table.

WHAT WE DID

A secured commercial real-estate refinance releasing that equity at real-estate pricing, structured alongside the existing operating line so nothing was disrupted.

THE RESULT

Idle equity became working capital at long-term rates instead of short-term ones — and the company kept its building.

SBA 7(a)Healthcare & professional services

The cheapest money, because there was time to do it right

THE SITUATION

A practice acquiring a second location didn’t need the money tomorrow — it needed the lowest possible long-term cost, and it needed someone to actually run the SBA process rather than hand over a checklist.

WHAT WE DID

Placed as an SBA 7(a) facility with amortisation stretched to 25 years, with an advisor managing the paperwork and lender back-and-forth end to end.

THE RESULT

The acquisition closed on long-term amortisation, with a monthly payment a fraction of what short-term alternatives would have demanded.

Illustrative examples of program types and deal structures Veltcap places. They describe our facilities and process, not specific individual customers. Amounts, rates and terms in any real transaction depend on underwriting.

The Veltcap offer

Everything a bank says no to.
Answered in two hours.

Veltcap is a direct lender funding with its own capital. Here is exactly what you get when you spend 60 seconds on the form — and exactly what it costs you to find out.

WHAT YOU GET

The 2-Hour Funding Decision

A real decision in 2 hours

Not a bot, not a queue. A live underwriter reviews your file and comes back with a yes and a number — the same morning you apply.

Money in your account the same day

Approved before lunch, funded before close. We do it every day.

$25K to $15M with no collateral

Your building, your equipment and your home stay out of it. Secured facilities available up to $50M.

If you do $15K+/month, you qualify

No credit-score gate, no industry blacklist. Restaurants, trucking, construction, retail, healthcare, contractors — every industry, including the ones banks quietly refuse.

We fund it ourselves — $250M in-house

Veltcap is a direct lender using its own capital. No middleman, no file shopped around town — you deal with the people who actually say yes and wire the money.

SBA 7(a) through our bank partners

For SBA 7(a), we place your file with our SBA bank partners — terms up to 25 years, long amortisation, low payment. We run the process end to end.

No origination or underwriting fees

Term loans from 6–8.75% APR. No application fee, no origination fee, no underwriting fee, no “processing” surprise at signing.

A named advisor, start to finish

One person who knows your file and answers the phone. Not a call centre, not a portal.

And here is what it costs you to look:

$0to apply
60 secof your time
0 ptscredit impact — soft pull only
Noneobligation if you don’t like the offer

You cannot lose money, credit score, or leverage by finding out what you qualify for. The only thing you can lose is the deal you couldn’t fund this week.

Applications submitted before 2pm ET are typically decided the same business day. Qualification requires $15K+ in monthly revenue; final amount, rate and terms are set by underwriting and shown to you in writing before you sign anything.

A Veltcap advisor talking a business owner through their funding options
Advisors on the phone now
The people

You get a person.
Not a portal.

Most funding sites hand you a form and disappear. When you apply here, a real advisor picks up your file, calls you back, and stays with it until the money lands — the same person, start to finish.

They call youUsually within minutes, not days.
They fund it in-houseVeltcap lends its own $250M — the person on the phone is the one who approves it.
They stay on itThrough underwriting, paperwork and funding.
☎ (917) 336-0199
$1M – $50M FACILITIES

Large enough to matter.
Fast enough to use.

Most funders tap out at seven figures or take ninety days to close. We structure and place facilities from $1M to $15M unsecured and up to $50M secured — acquisitions, portfolio refinance, multi-site expansion, commercial real estate and SBA 7(a) with terms to 25 years.

Acquisition & buyout capitalFund the purchase, close on the seller’s timeline.
Debt restructure at scaleConsolidate stacked positions into one facility with one payment.
Commercial real estatePurchase, refinance or cash-out — up to $50M secured.
SBA 7(a) placementWhen the cheapest capital is the right capital. Terms to 25 years.
☎ Speak to a senior advisor
$250M+deployed to date
$50Mlargest secured facility
25 yrsSBA 7(a) terms
2 hrsunsecured decision

Facilities above $1M are handled directly by a senior advisor from first call to close.

Why business owners choose us

Built for speed. Backed by people.

Everything a bank makes hard, we make simple — without losing the human judgment that gets your deal done.

Decisions in 2 hours

A real underwriter reviews your file and responds within a single business day.

Revenue-based

We approve on real business performance, not just a personal credit score.

Every industry

From restaurants to construction to healthcare — including industries banks avoid.

Terms in writing

Clear, documented offers before you commit. No surprises, ever.

Who we fund

750+ businesses. $250M+ deployed.
Every industry on this list.

If you are doing $15,000 a month or more in revenue, there is a program for you — including the industries most lenders quietly decline.

Trucking & logistics Construction & trades Restaurants & food service Retail & e-commerce Healthcare & dental Auto & repair Manufacturing Staffing & services Salons & wellness Wholesale & distribution Landscaping Cleaning & facilities … and everything else
No credit-score gate

We underwrite the business, not just the FICO. Past credit trouble does not end the conversation.

No industry blacklist

Restaurants, trucking and construction are our bread and butter, not a red flag.

No collateral required

Up to $15M unsecured. Your assets stay yours.

Funding solutions

The right capital for where
your business is today.

From fast working capital to multi-million-dollar real estate, structured around your goals.

Most popular
$25K – $15M

Working Capital & Term Loans

Flexible capital for payroll, inventory, expansion, or opportunity — funded fast.

  • Decision in 2 hours
  • Revenue-based & fixed options
  • No collateral required
  • 6+ months in business
Up to $25M

Commercial Real Estate

Bridge, construction, and permanent financing for investors and owner-operators.

  • Bridge & hard-money lending
  • Fix & flip / new construction
  • Multi-family & mixed-use
  • Fast close, flexible terms
Flexible

Lines of Credit & More

Revolving credit, SBA, equipment, and factoring — the right tool for the moment.

  • Revolving line up to $500K
  • SBA 7(a) & 504 programs
  • Equipment financing
  • Invoice factoring
How it works

Funded in four simple steps.

No paperwork mountains. No waiting weeks. Just a clear path to capital.

1

Apply in 60 seconds

A short, secure application. Soft pull only, fully encrypted.

2

Personal review

A dedicated advisor underwrites your file — a real decision in 2 hours.

3

Get your offer

Clear terms in writing. Ask questions, no obligation.

4

Get funded

Accept and funds hit your account — typically within days.

Veltcap advisor working with a business owner on funding
24h
Decision
$25M
Max facility
All
Industries
A real partner

People, not algorithms,
behind every decision.

  • Decisions issued in 2 hours by a real underwriting team — not a bot that declines files it never reads.
  • Every approved facility documented in writing before you proceed. Our commitment is on paper.
  • One dedicated advisor from application to funding. No transfer queues, no call-center maze.
  • We fund across all industries — including the ones most lenders quietly avoid.
  • A direct lender using our own $250M — your file is underwritten in-house and never shopped to third parties.
The difference

Veltcap vs. a traditional bank

Why owners come to us after the bank says “not yet.”

What mattersTraditional bankVeltcap
Decision time2–8 weeks24 hours
Underwriting basisCredit score firstBusiness performance
CollateralUsually requiredOften not required
Industries accepted Limited All industries
Commitment in writing
Cost to applyHard credit pullFree · soft pull only
Time to fundingWeeks to monthsDays
Industries we fund

We fund every industry, period.

We evaluate on real performance — not the labels banks use to turn you away.

🍽 Restaurants & Hospitality 🚧 Construction & Trades 🩺 Healthcare & Dental 🛒 Retail & E-commerce 🚛 Transportation & Logistics 🏭 Real Estate 💻 Professional & Tech ⚒️ Manufacturing 📝 Auto & Services 🏦 Wholesale
Client stories

Owners trust us — and come back.

We deliver what we promise, every time.

★★★★★
Approved in under a day, funded that week. I’ve worked with lenders for fifteen years and never seen anything this clean.
HR
Harold R.
Restaurant Group · New York, NY
★★★★★
We needed capital to close on a property fast. Veltcap had a term sheet the same day. They actually understand real estate.
JM
Jordan M.
Real Estate Investor · Boston, MA
★★★★★
Three banks declined us. Veltcap explained exactly what we qualified for and funded us in days. The written terms made the difference.
SK
Sandra K.
Construction Co. · Houston, TX
Questions

Everything you want to know.

Still unsure? Call (917) 336-0199 — a real advisor answers.

Your business could qualify
for up to $25,000,000.

Sixty seconds to apply. Soft pull only. A real advisor reviews your file within 2 hours.

Soft pull only Decision in 2 hours All industries
☎ Call (917) 336-0199

No obligation · 100% confidential

Funding Solutions

Capital for every stage of your business.

More than ten funding products, each structured around the realities of your business and the opportunity in front of you.

Business financing

Working capital & growth

Fast, flexible structures built around your revenue — not a credit score alone.

Up to $10M

Working Capital Advance

  • Funding based on revenue & deposits
  • Daily or weekly remittance, flexible
  • Approval on performance, not credit alone
  • Funded as fast as same day
Up to $15M

Business Term Loan

  • 6–8.75% APR · no origination or underwriting fees
  • Fixed, predictable monthly payments
  • Terms from 3 to 60 months
  • No prepayment penalties
  • Decision in 2 hours
Up to $500K

Business Line of Credit

  • Draw what you need, when you need it
  • Revolving — replenishes as you repay
  • Pay interest only on what you draw
  • Ideal for seasonality & payroll
Custom

Equipment Financing

  • Finance up to 100% of equipment cost
  • New or used equipment
  • Preserve working capital
  • Section 179 tax advantages
Up to $5M

Invoice Factoring

  • Convert receivables to immediate cash
  • Up to 90% of invoice value, same day
  • No debt on your balance sheet
  • Ideal for B2B on net terms
Up to $5M

SBA 7(a) & 504 Loans

  • Government-backed — lowest rates
  • 7(a): working capital & equipment
  • 504: large fixed assets & real estate
  • We guide you through the process
Commercial real estate

Real estate financing up to $50M

From acquisition to construction — we finance properties other lenders won’t touch.

Up to $25M

Commercial Bridge Loans

  • Short-term capital for acquisition
  • Move when banks are too slow
  • Commercial, mixed-use & multi-family
  • Close in days, not months
Up to $10M

Hard Money Loans

  • Asset-based — property value drives approval
  • Fix & flip, buy & hold, distressed
  • Close in as little as 5–7 days
  • Rehab financing included
Up to $15M

New Construction

  • Ground-up & major renovation
  • Draws tied to milestones
  • Residential, multi-family & commercial
  • Land acquisition in select structures
Up to $25M

Commercial Mortgage

  • Long-term financing for income property
  • Office, retail, industrial, multi-family
  • Fixed & variable rate options
  • Cash-out refinance available

Find the right structure for your business.

Our advisors match you with the optimal facility. Sixty seconds to apply.

Why Veltcap

Built for business owners who deserve better.

We believe access to capital should be fast, transparent, and built around the realities of running a business.

The Veltcap team of lending advisors
60 sec
To apply
$0
Fees
Our story

Capital access, redefined.

Veltcap was built by a team with deep roots in commercial lending and alternative finance. Having operated inside the industry for years, we understood firsthand what owners actually need — and where traditional funding consistently fails them.

We built Veltcap to be the partner we wished existed: one that decides fast, communicates clearly, backs its commitments in writing, and genuinely invests in the success of the businesses it funds.

Our values

What we stand for

Four principles behind every decision we make.

01

Speed without compromise

Fast decisions and rigorous underwriting aren’t mutually exclusive. Every file reviewed personally, every offer in 2 hours.

02

Every commitment in writing

In an industry of verbal promises that evaporate, we put everything in a signed agreement. When we say approved, you have documentation first.

03

Radical transparency

No hidden fees. No bait-and-switch. We explain every term clearly before you sign anything.

04

Absolute confidentiality

Your financial information is handled with bank-grade discretion. We never sell client data.

Ready to experience capital done right?

Apply in sixty seconds. Hear back within 2 hours.

Contact

Talk to our team.

Have a question before applying? Our advisors walk you through any product personally — no pressure, no obligation.

Reach us

We’re here to help.

Office
115 Federal Street
Boston, MA 02110
Hours
Mon – Fri · 8:30 AM – 6:30 PM EST

Ready to apply?

Skip the wait — submit your application and get a decision within 2 hours.

Get in touch

Send a message

Encrypted & confidential · We reply within 24 hours

60-second check · No documents to start

See what you qualify for.

Tell us the basics and a funding advisor calls you back with real options. No documents or SSN to start — and checking won’t affect your credit score.

💰 $0 fees👁 Soft pull only⚡ Callback in minutes☎ (917) 336-0199
Veltcap — Quick Eligibility Check
~60 seconds

Advisors available now. Submit today and we’ll call you back within 2 business hours.

The basics

Just enough to get you a real answer. You only share documents later, and only if you choose to move forward.

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✓ $0 fees ✓ Soft pull — no score impact ✓ No obligation ✓ An advisor reviews your file personally

No documents or SSN needed to start. Checking is a soft pull only and won’t affect your credit score.

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Prefer to talk? Pick a time and an expert calls you then — Mon–Fri, 8am–4pm.

 
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A dedicated advisor reviews your file personally and responds within 2 hours. Strictly confidential and encrypted.

🔒 Bank-grade encryption⚡ Decision in 2 hours👁 Soft pull only☎ (917) 336-0199
Veltcap — Funding Application
Encrypted 2-Hour Decision
Step 1 of 3 — What are you looking for?
1
Funding
2
Business
3
Documents

Advisors available now. Submit today and receive a decision within 2 business hours.

What are you looking for?

Tell us the basics so we can route you to the right advisor.

$
$

Your contact information

Business details

This helps us verify your business and tailor your offer.

Business address

Bank statements

Upload your three to four most recent months. PDF, JPG, or PNG.

Consent & signature

I certify that the information provided in this application is true, accurate, and complete. I authorize Veltcap — and, solely for an SBA loan I choose to pursue, its SBA bank partners — to verify the information provided and to obtain business and personal credit reports as necessary to evaluate this application. I understand this does not constitute a commitment to lend.

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🔒 Bank-level encryption ✓ $0 fees ✓ No obligation ✓ Reviewed by a real advisor

Bank-grade encryption · Your data is never sold or shared

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