Merchant cash advance
Capital when your business can't wait.
Velo Funding gets working capital into your account in as little as 24 hours. No collateral, no thick loan file, no waiting weeks for a bank to say no.
How it works
Three steps. Not three weeks.
Apply
Tell us about your business
A five-minute form. No business plan, no stack of paperwork — just the basics and a few months of bank statements.
Review
Get a decision fast
We look at your revenue, not just your credit score. Most merchants hear back the same day.
Funded
Cash lands in your account
Once you accept your offer, funds are wired directly to your business bank account — often by the next business day.
Who qualifies
Built for businesses banks say no to.
3+ months in business
New and established businesses are both welcome to apply.
$10K+ in monthly revenue
We size every offer to what your business actually brings in.
No minimum credit score
We weigh cash flow more heavily than a credit report.
All industries considered
Restaurants, contractors, retail, auto shops, and more.
No obligation to apply