Term Loan
The classic way to fund a bigger move.
- Loan amount
- $20K – $1M
- Funding speed
- Within 24 hours
- Loan term
- 1–2 years
- Interest rate
- As low as 6%
Business funding
Business funding up to $1 million, with the fine print up front
Choose an amount to see your options. One short application reaches 80+ lenders, and every downside is spelled out before you sign.
- No application fee
- No obligation
- Same-day funding
- No collateral required
The application is the way in, and it takes about two minutes.
Eyes open
The downside of every programme, before you need to know it
Funding is a tool for a bold move, and every tool can cut. Here is where each of the six can hurt, and what keeps it from hurting you.
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Term Loan$20K – $1M · Within 24 hours
The downsideThe payments are fixed for one to two years, and they are owed whether or not the move they paid for works out.
The guardBuild the payment into the plan with room to spare, and ask before signing what paying it off early would save.
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Short Term Business Loan$10K – $1M · 1 – 2 days
The downsideA term of up to 24 months means larger payments than a longer loan of the same size, falling due while the money is still at work.
The guardName the money that will repay it — the season, the contract, the invoice — before you borrow, not after.
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Equipment FinancingUp to $250K · 1 – 5 years
The downsideThe equipment usually secures the financing, and a term longer than its working life means still paying for a machine that has stopped earning.
The guardMatch the term — one to five years here — to how long the equipment will genuinely be in service.
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Working CapitalUp to $1M · 24 – 48 hours
The downsideRepayment comes out by daily or weekly ACH on a fixed schedule, in the quiet week as surely as the busy one.
The guardSet the debit against your slowest week's deposits, not your average week's, and borrow no more than that carries.
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Business Line of CreditUp to $1M · 1 – 2 days
The downsideA line that is always there can end up paying for things that will never pay it back, one small draw at a time.
The guardDecide what a draw is for before you open the line, and repay each draw from what that draw earned.
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Revenue-Based Funding$5K – $500K · 24 – 48 hours
The downsideIt is priced on the full amount, so repaying early may not reduce what you owe.
The guardAsk for the total payback in dollars, and ask in writing whether paying early changes it. If it does not, plan for the full amount.
None of this is a reason not to borrow. It is the reason to borrow on purpose, at the right size, with the exit planned.
The six
Six programmes for six kinds of move
Each fits a different kind of bold step. Each has a downside, set out above and on its own page.
Short Term Business Loan
Fund your business on your terms.
- Funding amount
- $10K – $1M
- Funding speed
- As quick as 1–2 days
- Cost
- Beginning at 6%
- Term
- Up to 24 months
Equipment Financing
Equipment for virtually any industry.
- Loan amount
- Up to $250K
- Term
- 1–5 years
- Cost
- As low as 8%
- Repayment
- Monthly
Working Capital
Funding your day-to-day operations.
- Funding amount
- Up to $1M
- Funding speed
- Within 24–48 hours
- Cost
- Starting at 4.5%
- Repayment
- Daily or weekly ACH
Business Line of Credit
Flexible financing, there when you need it.
- Funding amount
- Up to $1M
- Term
- 6 months to 3 years
- Cost
- Starting at 4.5%
- Funding speed
- Within 1–2 days
Revenue-Based Funding
Quick and efficient access to capital.
- Funding amount
- $5K – $500K
- Funding speed
- 24–48 hours
- Repayment
- Daily or weekly ACH
How it works
Three steps from the decision to the money
Quick where it can be. Careful where it has to be.
Step 01
Size the move
Tell us what you are funding and how much it needs. The application asks for an amount, how to reach you and a few questions about the business — no documents, no fee.
- About two minutes
- No documents to start
- No cost to apply
Step 02
Weigh the offers
Your application goes to our funding partner and a specialist takes it to lenders who fund businesses like yours. What comes back is laid out so the costs can be compared, downside included.
- One application, many lenders
- Total cost on every offer
- Questions answered straight
Step 03
Commit, or don't
Accept the offer that fits the move, or none of them. Once approved, the funds can be in the account in as little as 24 hours.
- No obligation to accept
- Nothing signed until you choose
- Funding in as little as 24 hours once approved
Our word
What we hold to, whatever you apply for
Asking an owner to be brave with money means being straight with them about it.
- The downside, said aloud
- Every programme's risk is on this site, not saved for the small print.
- No cost to apply
- Applying and seeing your offers costs the business nothing.
- Your call
- Nothing is agreed until you accept, and declining every offer is always allowed.
- Business funding only
- Valor never arranges personal or consumer loans.
The network's figures
The lending network behind the application
80+lenders in the network
25,000businesses funded
24 hrsto funding once approved
These are totals for the lending network Valor Business Finance works through, not for Valor alone.
When you are ready
You know the downside. Now make the move.
The application is on a page of its own, and at the foot of every programme page.
The application
Start your application
About two minutes: the amount, how to reach you and a few questions about the business. Free, and nothing is agreed until you accept an offer.
The application is the way in, and it takes about two minutes.
