Every Product, Every Detail
Working Capital Loans
Working capital is the lifeblood of day-to-day business operations. Our working capital loans provide the operational funding you need to bridge cash flow gaps, manage payroll during slow periods, cover supplier invoices, and seize time-sensitive growth opportunities.
Unlike traditional bank loans, our working capital products are assessed on your business's current performance — not historical credit scores or years of tax returns.
- Funding from $5,000 to $500,000
- Decision within 48 hours of complete application
- Flexible repayment structures matched to your cash flow
- No collateral required for qualified applicants
Revenue-Based Financing
Revenue-based financing is ideal for businesses with strong monthly revenue but variable cash flow patterns. Instead of fixed monthly payments, your repayment is structured as a percentage of your business revenue — automatically adjusting to your performance.
When business is strong, you pay more and retire the obligation faster. When business slows, repayments reduce proportionally, preserving your operating capital when you need it most.
- Repayments tied to a fixed percentage of monthly revenue
- No fixed monthly payment obligations
- Ideal for seasonal businesses and retail operations
- Transparent factor rates disclosed upfront
Equipment Financing
Your business equipment is the engine of your operation. When that engine needs upgrading or expanding, equipment financing lets you acquire the assets you need without depleting your working capital or disrupting your cash flow.
Equipment financing uses the equipment itself as collateral, which often results in more favorable terms than unsecured products — even for businesses with limited credit history.
- Finance machinery, vehicles, technology, and specialized tools
- Equipment serves as collateral — no additional security required
- New and used equipment financing available
- Terms aligned with the useful life of the equipment
Business Line of Credit
A business line of credit is the most flexible funding tool available. Unlike a term loan, a line of credit gives you a maximum limit from which you draw only what you need, when you need it — and you only pay interest on what you've actually used.
This revolving facility is ideal for managing ongoing cash flow needs, responding to unexpected expenses, and taking advantage of opportunistic buys without depleting reserves.
- Draw funds on demand up to your approved limit
- Interest accrues only on drawn funds
- Revolving — repay and redraw as business needs dictate
- No prepayment penalties
Growth Capital & Business Expansion Funding
When your business is ready to expand — new locations, additional inventory, a marketing push, or significant hiring — growth capital provides the funding required to execute on that vision without overextending your current cash position.
Growth capital from VL Services is structured around your expansion timeline and projected revenue increases, creating repayment terms that align with the benefits you'll receive from the investment.
- Funding for location expansion, renovation, or buildout
- Inventory pre-purchase and bulk buying programs
- Hiring and payroll coverage during growth periods
- Marketing investment financing for customer acquisition