Rates and terms, in plain numbers
What Veltcap business funding can cost, how cost is shown, and what moves your rate. Every figure here is the best available, not a promise.
By product
| Product | Amount | How cost is shown | Term and payments |
|---|---|---|---|
| Working capital | $50K to $500K+ | Factor rate or APR | Short term; daily, weekly or monthly |
| Business term loans | $50K to $500K+ | As low as 6% APR1 | Up to 10 years1; weekly or monthly |
| Line of credit | Sized to revenue | On the amount drawn, plus any line fees | Revolving |
| Debt consolidation | $50K to $500K+ | Weighed against your current cost | One payment, longer schedule |
| Equipment financing | Sized to the equipment | Depends on the asset | Matched to its useful life |
| Commercial real estate | Case by case | Depends on the property | Case by case |
| Merchant cash advance | $50K to $500K+ | Factor rate | Short term; daily or weekly |
Funding as fast as 2 hours once approved and signed2. Every amount, rate and term is confirmed in writing at approval.
No fees to Veltcap
You pay Veltcap nothing: no application fee, no advisor fee. What you pay is the cost of the funding itself, and your offer shows all of it in writing before you sign.
What you’ll see on your offer
- Amount funded
- Total amount to be repaid
- Payment amount and how often it’s taken
- Term, and the rate or factor rate
- Every fee, listed
Questions about cost
What affects the rate I get?
Mostly your monthly revenue and its consistency, time in business, existing debt and how it’s been paid, your industry and, for some products, credit. The structure matters too: longer terms and secured financing usually cost less per year.
What is the difference between a factor rate and an APR?
A factor rate is a multiplier on the amount funded: a factor of 1.25 on $100,000 means $125,000 repaid in total (illustration only). An APR is a yearly rate. A short-term advance with a modest factor rate can have a high APR. Your advisor shows total repayment next to the rate, so you see the real cost.
Are there fees?
Veltcap charges you no fees. Some products carry origination or other fees; every fee is listed on your written offer before you sign.
Will checking my rate affect my credit score?
No. Checking your options is a soft pull. A full credit check may be run only after you choose to move forward with an offer.