Merchant cash advance · $5K–$500K
CAPITAL WHEN YOUR BUSINESS CAN'T WAIT.
Velo Funding advances working capital to Main Street businesses in as little as 24 hours. Five-minute application. Decisions the same day. No collateral.
Built for businesses banks make wait.
A bank loan takes weeks and a mountain of paperwork — and Main Street can't always wait. An advance from Velo is repaid automatically from future sales, in small daily or weekly amounts that move with your business.
How it works
Three steps. Not three weeks.
Apply in five minutes
The basics plus a few months of bank statements. No business plan, no pitch deck, no branch visit.
Same-day decision
We underwrite on revenue, not just a credit score. Most merchants hear back within hours.
Funded in 24–48 hours
Accept your offer and funds are wired straight to your business bank account.
Estimate
How much could you get?
Typical advance range
$28,000 – $42,000
Estimate only — your offer is based on your actual bank statements and business profile.
Who qualifies
If you sell, you likely qualify.
3+ months in business
Newer businesses welcome to apply.
$10K+ monthly revenue
Offers are sized to real sales.
No minimum credit score
Cash flow counts more than credit.
Every industry considered
Restaurants, retail, trades & more.
Applying takes a soft look at your business — it does not require a hard pull on your personal credit.
Brokers & ISOs