Working Capital for Small Business
Working Capital Funding Based on Your Sales, Not Your Credit Score
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Working Capital Without the Bank Runaround
Banks want two years of tax returns, collateral, and six weeks to say no. Velocity Merchant Funding is approved on your card-processing history, not your credit score. No collateral, no personal guarantee, and only a soft credit pull that never touches your score.
See what you qualify forGet Funded Now, Repay as You Earn
Once approved, the funds are yours to use however your business needs. Repayment is a small fixed percentage of each day’s card sales, so a slow Tuesday costs you less than a packed Saturday. No fixed monthly payment, no due date to sweat, and no prepayment penalty if you clear it early.
Apply in 5 minutes
Grow on Your Terms
Opportunity rarely waits for a bank. Whether it’s upgrading equipment, stocking up before your busy season, covering payroll through a slow month, or opening a second location, you decide how and when to put the capital to work. No spending restrictions, no reporting requirements.
Call 888-902-6227No Collateral. No Fixed Payments. No Waiting.
Because VMS already sees your processing volume, there is nothing to prove and little to upload. Most merchants are approved and funded within 72 hours of a complete application. The advance is unsecured, the terms are in writing before you sign, and the same VMS team that handles your processing handles your funding.
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Small Business Working Capital: The Numbers Up Front
No teaser rates and no fine print. Here is how Velocity Merchant Funding is sized, funded, and repaid, so you can decide before you apply.
of your monthly card volume
Funding is sized to what you already process. A merchant running $40,000 a month in card sales can typically qualify for up to $40,000.
from complete application to funds
Because VMS already has your processing history, underwriting is fast. Most merchants see the deposit within three business days.
of daily card sales toward repayment
Your holdback percentage is fixed at approval and based on the amount funded versus your volume. Slow day, smaller payment. Automatically.
collateral, personal guarantee, or prepayment penalty
The advance is unsecured, and paying it off early never costs extra. A soft credit check is the only credit review, and it does not affect your score.
Velocity Merchant Funding ranges from $3,000 to $250,000. Sizing starts with your card volume, and larger requests can be considered on total business revenue. Your funding specialist confirms your amount before you commit.
How to Get Working Capital Through Velocity Merchant Funding in 3 Steps
If you already process with Velocity Merchant Services, you have done most of the work. If you don’t yet, we set up processing and funding together.
Apply in about 5 minutes
Tell us your monthly card volume and how much you need. No tax returns, no business plan. A funding specialist confirms your offer, usually the same day.
Review the offer in writing
You see the funded amount, the total payback, and your daily holdback percentage before you sign anything. No interest rate math, no variable terms.
Get funded and repay as you sell
Funds are deposited to your business account, typically within 72 hours. Repayment comes out of your daily batch automatically until the balance is cleared.
Why Merchants Choose Velocity Merchant Funding Over Bank Financing
Revenue-based funding is built for the moments a bank can’t serve. Bank financing is the cheapest money if you can get it and can wait for it. Most small businesses can do neither when the walk-in cooler dies or the busy season starts next week. Here is the honest comparison.
| Velocity Merchant Funding | Traditional Bank Financing | |
|---|---|---|
| Approval based on | Your card-sales history | Credit score, collateral, financials |
| Time to funds | As little as 72 hours | Typically 3–8 weeks |
| Paperwork | Short application; VMS already has your volume | Tax returns, P&L, balance sheet, business plan |
| Repayment | Fixed % of daily card sales; flexes with revenue | Fixed monthly payment regardless of sales |
| Collateral / personal guarantee | None | Usually required |
| Credit check | Soft pull only, no score impact | Hard inquiry |
| Cost | Higher: a fixed discount on future receivables | Lower interest if approved |
| Best for | Speed, flexibility, imperfect credit | Large, long-term, planned investments |
Straight talk: Velocity Merchant Funding costs more than bank financing because it is unsecured and fast. If a bank will fund you in time, take it. If it won’t, this is the fastest capital you can get without putting your house behind it.
Working Capital That Pays for Itself
The best use of an advance is one that produces more card sales than it costs. These are the uses we see most from the 30,000+ merchants VMS has serviced since 1998.
Inventory before peak season
Buy deeper at better pricing ahead of the holidays, summer, or back-to-school, and repay from the sales that inventory generates.
Equipment and repairs
Replace the oven, the lift, or the walk-in cooler the week it fails, not after a bank committee meets. Pair it with a new Clover POS if you are upgrading anyway.
Payroll and cash-flow gaps
Cover payroll, rent, or a tax bill during a slow month without maxing a credit card or missing a vendor discount.
Expansion and build-outs
Open a second location, add a patio, or finish a remodel. You control the spend; there are no use-of-funds restrictions.
Marketing that drives card sales
Fund a grand-opening push, online ordering, or a loyalty program that lifts the same sales your repayment comes from.
Bridging a slow season
Seasonal businesses use an advance to carry the off-season and repay during peak, when the daily holdback barely registers.
Your Processor Already Knows Your Business. Use That.
Velocity Merchant Services has serviced more than 30,000 merchants since 1998. Velocity Merchant Funding, our working capital program, is underwritten on processing data we already have, approved by people you can call, and repaid through the same system that settles your sales every night. No new lender, no new portal, no stranger deciding whether you are “bankable.”
Frequently Asked Questions
What is the interest rate on the money?
Velocity Merchant Funding isn’t interest-based, so there’s no interest rate. Instead, we purchase a portion of your future credit card sales at a discounted amount today. You get quick access to capital without the hassle of traditional bank financing, and repayment happens automatically as you process transactions.
What is the term of the money?
There’s no fixed payback schedule with Velocity Merchant Funding. Instead, repayment is based on a small percentage of your daily credit card sales. That means if your sales slow down, your repayment slows down too—making it a flexible solution that works with the natural flow of your business.
What percentage is usually taken?
The percentage of daily credit card sales collected typically ranges from 8% to 20%, depending on how much funding you request compared to your monthly sales volume. Our goal is to provide flexible access to capital without disrupting your cash flow—so repayment adjusts with your business activity.
How much will I qualify for?
Your funding amount is typically based on your monthly credit card processing volume. In most cases, you can qualify for up to 100% of your average monthly sales. The more you process, the more capital you may be eligible to receive.
What if I have bad credit?
Bad credit won’t automatically disqualify you. While credit is one factor in the approval process, Velocity Merchant Funding focuses more on your business’s card processing history and overall performance. Many merchants with less-than-perfect credit still qualify for funding.
What if I pay it off early?
There’s no prepayment penalty—you can pay off your balance early without any extra fees or charges. It’s a flexible funding solution designed to work on your terms.
How long does it take to receive funds?
Once we have all the required documentation, funding can be approved and deposited in as little as 72 hours. It’s a fast, streamlined process designed to get you the capital you need—right when you need it.
Do you pull my personal or business credit?
If we don’t already have recent credit information from your merchant processing application, we may need to pull your credit. However, we only perform a soft credit check, which does not impact your credit score. This allows us to verify key details without affecting your personal or business credit.
Can I take a Velocity Merchant Funding advance if I already have an existing creditor obligation?
In most cases, you’ll need to use a portion of the new funds to pay down your existing obligation before being approved for additional capital. However, in certain situations, a second-position advance may be considered, depending on your business’s cash flow and credit profile.
Can I take more than one Velocity Merchant Funding advance?
Yes, you can request a new Velocity Merchant Funding advance once you’ve repaid at least 60% of your current advance (for amounts over $5,000). However, you cannot have multiple active advances under the same merchant ID at the same time.
Why is Velocity Merchant Funding more expensive than traditional bank financing?
Velocity Merchant Funding advances are typically more expensive because they’re unsecured—they don’t require collateral or a personal guarantee. This makes them higher risk for the provider compared to traditional bank financing. To offset that risk, a discount rate is applied to your future receivables. While the cost may be higher, the tradeoff is faster access, flexible repayment, and fewer requirements.
Are there any hidden fees?
No, there are no hidden fees. The terms are fully transparent from the start. However, if you have an active Velocity Merchant Funding advance, you are required to continue processing payments with VMS. Switching providers while an advance is still open would be considered a breach of the agreement.
Will you come after personal assets if I don’t pay my advance back?
No. A Velocity Merchant Funding advance is a purchase of future receivables and does not require a personal guarantee, so your personal assets are not at risk. However, the provider may file a UCC (Uniform Commercial Code) notice, which simply informs other creditors of their position. In the event of a business liquidation, this filing allows them to participate in any available proceeds—but it does not give them the right to seize assets directly.
What can Velocity Merchant Funding do for my business?
Velocity Merchant Funding offers customized funding solutions tailored to your business needs—not just your credit card sales. You can access anywhere from $3,000 to $250,000 based on your total revenue. Once approved, funds are typically deposited within just a few days—giving you fast, flexible capital to grow, manage cash flow, or handle unexpected expenses.
Find Out How Much Working Capital Your Sales Qualify For
Five minutes to apply. An offer in writing before you commit. Funds in as little as 72 hours. Not a VMS merchant yet? We will set up your processing and your funding together, and our $1,000 rate guarantee still applies.
