Working Capital
The one most owners come for. Cover payroll, inventory or a slow month with funding that follows your cash cycle instead of a fixed calendar.
$5,000 to $5 million
Business funding
without the wait.
Working capital from $5,000 to $5 million, matched to your revenue by an advisor who picks up the phone.
Rated by business owners nationwide
Trusted by 500+ business owners
Checking your options will not affect your credit
24 hours
To a funding decision
$5K-$5M
Funding range
$0
To apply, no obligation
100+
Funding sources, plus our own capital
Capital that fits how your business actually runs.
Six ways to fund growth, matched to your revenue, your timeline and your industry.
SBA Loans
Government-backed financing with longer terms and lower rates for established businesses.
Up to 10 year terms
Equipment Financing
Fund the tools, machinery or vehicles your business needs to grow.
Equipment as collateral
Business Line of Credit
Draw what you need, when you need it, and only pay for what you use. The line stays open as you repay.
Revolving access
Term Loans
Lump-sum funding with predictable monthly payments, built for larger one-time investments.
Fixed monthly payment
Revenue-Based Financing
Funding that flexes with your cash flow, tied to your monthly revenue.
Repayment follows sales
What owners actually use it for.
Funding is rarely abstract. It is a payroll run, a truck, a slow February. These are the reasons owners call us.
- Cover payroll through a slow month
- Buy inventory before a busy season
- Replace or upgrade equipment
- Expand or renovate a location
- Bridge the gap while invoices clear
- Consolidate existing business debt
- Hire and train new staff
- Take on a job that needs cash up front
Who we fund.
Owner-operated businesses, mostly in the trades, services and retail. If you do not see yours here, ask anyway. Your advisor will tell you straight where you stand.
Restaurants and food service
Construction and trades
Retail and e-commerce
Trucking and logistics
Auto repair
Healthcare and dental
Salons and spas
Professional services
Landscaping
Light manufacturing
What business owners are saying
“I have used Velora Capital multiple times when we were in a cash crunch, and every time they take care of me in the most professional way possible.”
“The process was simple and quick, and everything was explained in detail. Mike was an amazing person to work with and I would highly recommend him.”
The questions owners actually ask.
How fast can I get funded?
Most applications receive a decision within 24 hours. Once you accept an offer, funds often reach your account the same day or the next business day, depending on your bank.
Will applying affect my credit score?
Checking your options uses a soft credit pull, which does not affect your score. If you move forward with a specific offer, a hard pull may be run at that point, and your advisor will tell you before that happens.
What does it cost to apply?
Nothing. There is no application fee, and no obligation to accept an offer once you see it.
What do I need to apply?
Basic business details and recent business bank statements are enough to start. Depending on the product and the amount, your advisor may ask for tax returns or financial statements later in the process.
How does Velora fund my business?
Two ways. Some deals we fund directly with our own capital. For others we draw on the hundred-plus funding sources we work with, so your business is matched to the structure that fits it. Approval and terms depend on your business profile and are not guaranteed.
Ready when you are.
See what your business qualifies for. It takes about a minute, and it costs nothing to find out.
Apply now