Fast capital for serious businesses
Business funding without the bank runaround.
Access fast, flexible capital without feeling like you’re begging a bank. Vanta Capital connects your business with term loans, MCAs, lines of credit, invoice factoring, equipment financing, SBA-related options, and more—in a single, streamlined experience.
Fast review process. Simple application. Multiple funding solutions.
Trusted by owners across services, e‑commerce, logistics, and more.
Fast approvals
As little as 24–72 hours*
Multiple solutions
Loans, MCAs, LOCs, factoring & more
Built for business
Less rigid than traditional banks
Funding products
Capital options matched to how your business actually runs.
From stabilizing cash flow to funding expansion, we structure the right mix of products around your cash cycle, industry, and goals.
Term Loans
Fixed payments over a set term for planned growth, acquisitions, build-outs, and larger initiatives.
Typical ranges: $50K–$2M+
Merchant Cash Advance (MCA)
Repay as you sell. Ideal for card-heavy businesses that want flexibility tied to daily revenue.
Fast access to future receivables
Most popular
Business Line of Credit
Pull funds when you need them, pay interest only on what you use. Perfect for managing working capital swings.
Revolving limits, no-pressure access
Invoice Factoring
Turn unpaid invoices into immediate cash so you can cover payroll, inventory, and growth without waiting.
Equipment Financing
Acquire vehicles, machinery, or technology while preserving your cash and keeping payments predictable.
SBA-Related Options
Access SBA-related lending partners without navigating the maze alone—ideal for longer-term, lower-rate capital.
How it works
A clear, fast path from application to capital.
We compress weeks of back-and-forth into a focused review so you can get back to running your company.
01. Apply online
Share a few details about your business, revenue, and goals in minutes—not hours.
02. We review your business
Our team and technology evaluate cash flow, industry, and risk profile—not just a credit score.
03. Get matched with options
We present curated loan, MCA, LOC, or factoring offers aligned to your use of funds.
04. Receive capital fast
Once you select an offer and finalize documents, funds can arrive as quickly as 24–72 hours in many cases.
Why Vanta Capital
Private‑style capital access, without the institutional friction.
We combine lender relationships, underwriting experience, and technology to move quickly—while still respecting the realities of running a business.
- Multiple funding solutions in one place
- Fast, frictionless experience from start to funds
- Less rigid than traditional banks and pure-score models
- Personalized guidance on structure and terms
- Transparent communication—no surprise fees at signing
Results
Capital that translates into real business momentum.
Use funding to shore up cash flow, invest in growth, or simply buy back your time from constant financial firefighting.
- Stabilize cash flow without pausing growth
- Fund inventory, payroll, and marketing with confidence
- Open new locations or service lines sooner
- Upgrade equipment and technology on your timeline
- Build a capital stack that supports long‑term value
What owners say
Serious funding for operators who move fast.
These are real stories from teams that needed capital to execute—not six months of lender meetings.
“We had payroll, a major inventory buy, and a new location all hitting in the same quarter. Vanta structured a LOC + term blend that let us push forward without losing sleep.”
COO, Multi-location restaurant group
“Our bank moved slowly and kept changing the conversation. Vanta gave us a clear path, realistic options, and funding that landed well before our peak season.”
Founder, e‑commerce brand
“They actually understood why our receivables looked the way they did and built a solution around it. The process was sharp, direct, and fast.”
Owner, B2B services firm
FAQ
Funding questions, answered directly.
If you still have questions after reviewing this section, we’re happy to walk you through options based on your numbers.
What funding options do you offer?
We work with a range of solutions including term loans, merchant cash advances (MCAs), business lines of credit, invoice factoring, equipment financing, and SBA-related options through our lender network. Once we understand your revenue profile, cash cycle, and goals, we’ll narrow this into a focused set of recommendations.
How fast is the process?
Most businesses receive an initial view of options within 24–48 hours of submitting a complete application, and many can fund in as little as 24–72 hours after selecting an offer and completing final documentation. Timing depends on the complexity of your request and how quickly documents are provided.
What documents may be needed?
Requirements vary by product and amount, but commonly include: recent business bank statements, a year or more of tax returns, a basic P&L, and ownership information. For equipment or SBA‑style options, additional documentation may be requested. We’ll provide a clear, upfront checklist so there are no surprises.
Is perfect credit required?
No. While credit matters, we look at your business holistically—revenue trends, cash flow, industry, collateral, and time in business. Many clients with less‑than‑perfect credit still qualify for meaningful funding when the rest of the profile is strong.
How do I know which option fits my business?
That’s where we come in. After reviewing your application, we’ll walk you through the trade‑offs between loans, MCAs, LOCs, and factoring—how they impact cash flow, risk, and flexibility—so you can choose a structure that aligns with your near‑term needs and long‑term plans.
Next step
Let’s find the right funding for your business.
Share a few details and we’ll quickly show you what’s realistic—no pressure, no generic one‑size‑fits‑all offer.
No obligation. No impact to your credit to explore options.