Capital to keep your business moving.
From invoice factoring to merchant cash advances, we help you compare commercial funding options and find the one that fits your cash flow.
Turn unpaid invoices into working capital.
Factoring lets you sell your outstanding B2B invoices to a factoring company at a discount. Instead of waiting 30, 60 or 90 days for customers to pay, you receive most of the invoice value up front and the rest, minus a fee, once your customer pays.
Because approval is based mainly on your customers’ creditworthiness, factoring can work for newer businesses or those still building credit.
Often a fit forHow it works
- You invoice your customer as usual.
- The factoring company advances a large share of the invoice value, often within days.
- Your customer pays the invoice to the factoring company.
- You receive the remaining balance, minus the factoring fee.
Fast capital based on your future sales.
A merchant cash advance (MCA) gives you a lump sum in exchange for a portion of your future card or bank deposits. It isn’t a traditional loan: repayment is typically a fixed percentage of daily or weekly sales, so payments rise and fall with your revenue.
MCAs are known for speed and flexible approval, which makes them a common choice for short-term needs. They usually cost more than traditional financing, so it pays to understand the total cost before you commit, and we’ll walk you through it.
Often a fit forHow it works
- Share recent bank or processing statements.
- Receive an offer based on your sales history, often quickly.
- Get funded with a lump sum.
- Repay automatically as a share of future sales or fixed daily or weekly debits.
More ways to fund growth.
Not every need calls for the same tool. These options cover equipment, expansion, inventory and everyday cash flow.
Equipment financing
Finance machinery, vehicles, terminals or technology, with the equipment itself typically serving as collateral.
Best for: buying or upgrading equipmentBusiness line of credit
A revolving credit line you draw from as needed and pay interest only on what you use, then reuse as you repay.
Best for: ongoing cash-flow gapsTerm loans
A lump sum repaid over a set term with regular payments, used for larger, planned investments.
Best for: expansion and big projectsSBA loans
Loans partially guaranteed by the U.S. Small Business Administration, known for longer terms and competitive rates, with a more detailed application.
Best for: established businesses planning long termRevenue-based financing
Capital repaid as a percentage of monthly revenue until a set amount is reached, so payments flex with performance.
Best for: recurring-revenue businessesPurchase order financing
Covers supplier costs to fulfill large confirmed orders when you don’t have the cash on hand to produce or deliver them.
Best for: product businesses with big ordersWhich option fits?
| Option | Based mainly on | Typical speed | How you repay |
|---|---|---|---|
| Invoice factoring | Your customers’ credit and unpaid invoices | Fast | Your customers pay the invoices |
| Merchant cash advance | Card or bank deposit history | Very fast | A share of future sales or fixed debits |
| Line of credit | Business credit and financials | Moderate | Interest on what you draw, then revolve |
| Equipment financing | The equipment and your credit | Moderate | Fixed payments over the term |
| Term & SBA loans | Credit, financials and time in business | Slower | Fixed payments over the term |
Funding with VMG.
Tell us what you need
Share how much you’re looking for, what it’s for, and a few details about your business.
Compare your options
We help you understand which funding types fit, what they cost, and how repayment works.
Get funded
Choose the offer that works for you and move forward with confidence.
Let’s find the right funding for you.
Tell us about your business and what you need, and we’ll walk you through your options.
Funding is provided by third-party funding partners and is subject to their review and approval. Terms, rates and availability vary. A merchant cash advance is a purchase of future receivables, not a loan.