We do more than connect you with banks offering lines of credit and term loans. We handle the full process — from file preparation and credit coaching to strategic bank relationship building and end-to-end management — until your funding is secured at true bank rates.
Real bank rates. No MCAs, no cash advances, no gimmicks.
No credit check · 100% confidential
🔒 We never sell or share your information.
|
$500M+
In Bank Funding Arranged
|
200+
Businesses Funded
|
10
Days — Fastest Funding Time
|
3x
Faster Than Going to a Bank Alone
|
50+
Banking Partners
|
Most businesses don't realize how much they're overpaying with alternative lenders. We go directly to the source — banks.
Compare |
✦ Best Choice
VIP Bank Funding
|
vs.
Alt. Lenders
|
vs.
Direct to Bank
|
|---|---|---|---|
| Interest Rate | 6 – 12% True bank rates | 25 – 150%+ Factor rates | Bank rates If approved |
| Expert Guidance | ✓ Dedicated consultant |
✗ Algorithm only |
✗ On your own |
| Credit Coaching | ✓ Fast-track plan |
✗ None |
✗ None |
| Bank Network | ✓ 50+ partners |
✗ Not banks |
– One bank only |
| Approval Support | ✓ Full prep & docs |
– Basic form |
✗ DIY |
| Loan Terms | ✓ Up to 10 years |
✗ 3 – 24 months |
– Up to 10 years |
Adjust the sliders to see your estimated payment — and how much you save by accessing true bank rates over an alternative lender.
Funding Type
Alt. Lender Comparison Rate
Typical MCA / short-term effective APR: 60%
Estimated Monthly Payment at Bank Rate
fixed monthly — at true bank rates
Want to know exactly what you qualify for? Book a consultation — we'll review your specific situation.
Get Pre-Qualified →Estimates only. Actual rates and payments depend on your financial profile, loan type, and the specific bank program you qualify for. A full assessment is provided during your consultation.
We specialize in two core bank funding products — both at true bank rates.
Access a revolving credit facility that lets you draw funds when you need them and only pay interest on what you use. Perfect for managing cash flow and seizing opportunities.
Get a lump sum of capital for expansion, equipment, acquisition, or major investment — with fixed payments and long repayment terms at bank rates.
Direct relationships with 50+ banks — built over years, available to you immediately.
Skip the queue. We connect you directly to our personal bank rep — not the first available person.
Fund in as little as 10 days. Complex files in 4–6 weeks — up to 3x faster than going alone.
We know which programs work for files most banks turn down — and we find them for you.
True market rates — not the 25–150%+ factor rates charged by alternative lenders.
We prep you for every call, handle the paperwork, and facilitate the process until funds are in your account.
Real businesses. Real bank funding. Real results.
"VIP Bank Funding got us a $500K line of credit at 8% — we'd been quoted 35% factor rates by three alternative lenders. The difference is life-changing for our business."
"After two bank rejections on our own, VIP Bank Funding connected us with the right institution and prepared our entire application. Funded in 2 weeks."
"The consultation alone saved us from making a costly mistake with an MCA. They got us a $250K term loan at bank rates instead. Couldn't recommend more highly."
Book a free consultation and find out exactly what bank financing your business qualifies for — at bank rates, not alternative lender rates.