We Help Grow Your business

An Affordable Loan in Days, Not Months

Understanding Business Term Loans

Loan Amount


Time to Fund

As Soon As 24 Hours

Low Rates

Prepayment Discounts for Early repayment

Loan Terms

6 months - 5 Years

Financing Programs for All Needs

We offer a range of solutions to meet your financial needs. Whether you’re looking for a short-term loan, bridge loan, equipment financing, or term loan, we have you covered.

Additionally, we also provide lending against Accounts Receivables, including Employee Retention Credits. Our diverse financing options are designed to help you get the capital you need to fund your business operations, expansion, or other financial goals. Explore our financing programs today and find the right solution for your unique needs.

Advantages of Working With Vision Funding Club

Working with Vision Funding Club can provide you with a variety of advantages when seeking funding for your business. Firstly, we understand the importance of time in business, and that’s why we provide offers within 24 hours of your application. This allows you to quickly make informed decisions about your financial needs. Secondly, we offer loans up to 5 million dollars, so you can secure the funding you need to grow and develop your business. Lastly, we have access to multiple lenders and funding programs, ensuring that we can find the best match for your specific needs. With Vision Funding Club, you can trust that we will work tirelessly to secure the best possible funding solution for you.

Our Funding Programs

Term loans are typically categorized into two types: short-term loans and long-term loans.

Short-Term Loans

Bridge or Gap Financing

Equipment Financing

Accounts Receivable Lending

Term Loans

Employee Retention Funding

Utilizing Your Loan: A Guide for Small Business Owners

Term loans provide small businesses with expedient access to capital that can be utilized to cover various costs and to invest in their future growth.

Fund a business acquisition

Purchase or upgrade equipment and software

Hire new employees

Cover payroll gaps

Remodel your property

Refinance debt

Preparing for Financing? Let Us Assist You

We can advise you on a call with one of our funding advisors or have you complete our application process thru a digital journey


1 Page Application

Minimum $240,000

in Annual Revenue

Typical approval

in 4 hours


is as little as 24 hours

How to Apply for Funding: 3 Step Guide


Hit “Check Eligibility” to provide us with your basic business information

We require minimum documentation to issue a fast approval


Funding Advisor Consultation

One of our advisors will be in touch to understand your capital needs to fit you in the best program


Once you’re approved

You can access capital in as little as 24 hours

Helping Find Solutions for Customers in Every Industry

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Business Term Loan FAQs

Vision Funding Club offers genuine small business Term Loans and Lines of Credit. We have a single straightforward application for both term loans and lines of credit, so we can present you with all the financing options available to you and your business.

Vision Funding Club offers Term Loans from $5,000 – $2,000,000 over 3 – 24 months. We offer Lines of Credit from $6,000 – $100,000 with payback on draws up to 12 months. (The lines of credit are revolving, so as you pay it back, your available funds increase.)

Our application takes only minutes to complete! You can apply online or over the phone by calling (302) 261-9504. We’ll only need your basic business and owner information to apply and 4 months of your most recent bank statements.

We are mindful of your hesitation to have a credit inquiry on your record. In the US, we always do a “soft pull” (which doesn’t impact your personal credit score), unless your credit file is restricted, in which case we would contact you to lift the restriction and do a hard pull.

Vision Funding Club Minimum Requirements are:

  • 1 year in business $240,000 in business annual revenue
  • Business owner’s minimum personal credit score of 550+

Our typical customer:

  • Has been in business 3+ years
  • Has a business annual revenue of $300,000+
  • Has a personal FICO score of 650+

Vision Funding Club serves over 700 industries, so it’s likely that we’re able to work with you. Just in case, here is a list of the few industries we can’t serve.

Vision Funding Club requires little to no paperwork to apply. Before you start filling out the application, make sure to have this information on hand:
  • Your Business Tax ID number (EIN)
  • Your Social Security number
  • Estimated annual gross revenue
  • Average bank balance
  • You will need to submit your last 4 months of business bank statements.* 
The cost of your loan depends on many variables. Your actual rate is primarily determined by our Vision Funding Club scoring model amongst its partner lenders. We analyze numerous data points and base your rates on the health of your business, not just your personal credit score.
Vision Funding Club uses frequent payments to pay back your loan without the burden of a large monthly payment that banks and many other lenders put on you. We know this is a little different, but it works for our customers. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the data you provided to Vision Funding Club.

If you take a loan from Vision Funding Club, an institution that reports to the business credit bureaus, and if you make timely payments, then these payments should help build your business credit profile, which in turn may lead to better offers if you apply for a loan again in the future.

Vision Funding Club reports to three of the major business credit bureaus – Experian, Equifax, and Paynet – so any future lender can see your good business credit profile if you make timely payments and pay down the loan in full. Want to know more? Read this quick article.

Quickly Compare Loan Offers from Multiple Lenders

Applying is free and won’t impact your credit

Talk to a rep at 302-261-9504

Mon-Fri 7:30am-5pm MST

300 Delaware Ave,
Suite 220 Wilmington DE 19801