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Business Financing & Working Capital

Business Loans, Lines of Credit & Working Capital Solutions

Looking for business loans to grow your company, purchase equipment, manage cash flow, or take advantage of a new opportunity? Valued Merchant Services helps businesses explore loans, lines of credit, merchant cash advances, and other financing options through participating providers.

Whether you're planning an expansion or managing a temporary cash flow gap, we'll help you explore available funding structures and understand the next steps. Options depend on your business, financing needs, and the applicable provider's eligibility requirements.

Apply for Business Funding Explore Funding Options

The application opens through our existing external SignWell funding process. Submitting an application does not guarantee approval, specific terms, or a funding date.

Multiple Financing Options Business loans, credit lines, advances, and other eligible programs
Nationwide Business Solutions VMS serves businesses across the United States
Established in 2006 Two decades of merchant services and business support experience
Financing That Fits Your Business

Choosing Business Loans That Fit Your Cash Flow

The right financing option should address a genuine business need without creating an unsustainable repayment burden.

For example, a company purchasing equipment may need a different solution from a retailer preparing for seasonal demand.

Likewise, a service business waiting on customer invoices may benefit from a different financing structure than a restaurant planning renovations.

At Valued Merchant Services, we understand that businesses operate differently. That's why our approach starts with the funding purpose, cash flow, and available solutions rather than assuming every business needs the same loan.

Through applicable funding relationships, we help businesses explore possible financing arrangements. The participating financing provider determines underwriting, approval, and final contractual terms.

Business Funding Programs

Explore Business Loans, Credit Lines & Funding Options

Different financing products serve different business needs. These are the funding categories VMS can help eligible businesses explore through available financing relationships.

Planned Business Investments

Secured & Unsecured Business Loans

A business term loan generally provides a defined amount of capital with repayment over an agreed period.

Secured loans involve collateral or other security. Unsecured loans do not rely on specific pledged collateral in the same way, although personal guarantees or other obligations may still apply.

Common uses: Expansion, improvements, equipment, acquisitions, and other planned investments.

Best question to ask: What is the total financing cost over the full repayment term?

Recurring Capital Needs

Business Lines of Credit

A line of credit can provide access to funding up to an approved limit, allowing eligible businesses to draw money when needed.

Some credit lines are revolving, meaning repayment may restore available borrowing capacity under the agreement.

Common uses: Seasonal inventory, short-term cash flow gaps, and recurring working capital requirements.

Best question to ask: What fees, draw restrictions, and renewal conditions apply?

Revenue-Based Funding

Merchant Cash Advances

Merchant cash advances generally provide funding in exchange for an agreed amount of future business revenue or receivables.

Depending on the agreement, payments may be linked to business receipts or collected through scheduled withdrawals.

Common uses: Certain short-term capital needs when the business can support the repayment.

Best question to ask: What is the total payback, and how do payments change if revenue declines?

Everyday Business Operations

Short-Term Working Capital

Working capital financing can help eligible businesses manage the timing of operating expenses and incoming revenue.

For example, a business may need to purchase inventory or pay suppliers before receiving payment from customers.

Common uses: Inventory, payroll timing, vendor obligations, and unexpected repairs.

Best question to ask: Can operating cash flow support the required payment frequency?

Equipment & Technology

Equipment Financing

Eligible equipment financing may help businesses acquire machinery, vehicles, technology, or other qualifying business assets.

Depending on the program, the equipment itself may serve as collateral. Financing conditions and eligible equipment vary.

Common uses: Commercial kitchen systems, service vehicles, machinery, and operational equipment.

Best question to ask: Does the expected value of the equipment justify the full financing cost?

Specialized Funding Needs

Receivables & Blended Solutions

Certain businesses may benefit from specialized financing based on eligible receivables, assets, or a combination of approved funding products.

These arrangements can vary substantially and require careful review of overlapping payment obligations and fees.

Common uses: Contract-related cash flow, qualifying receivables, and more complex needs.

Best question to ask: Will combining funding arrangements improve or strain overall cash flow?

Not every option fits every business. For recurring expenses, a line of credit may be worth exploring. In contrast, a term loan may better match a planned investment.

A short-term advance can have a substantially different cost and repayment structure. Therefore, comparing business loans and financing alternatives should focus on the arrangement that makes practical sense, not simply the fastest deposit.

A Practical Comparison

Compare Business Loans and Financing Options

This comparison helps business owners identify relevant questions before reviewing actual funding offers.

Business Need Option to Explore Important Consideration
Planned expansion or renovation Business term loan Match the repayment period to the expected benefit of the investment.
Seasonal inventory purchases Business line of credit Evaluate draw costs, borrowing limits, and renewal terms.
Equipment replacement Equipment financing Compare equipment value, collateral, and total ownership cost.
Temporary operating cash flow gap Working capital financing Make sure repayments do not worsen the underlying cash shortage.
Revenue-based funding requirement Eligible merchant cash advance Understand the total payback and withdrawal or reconciliation terms.
Large outstanding customer invoices Receivables financing Determine which invoices are eligible and understand fees and collection arrangements.

These are general examples, not personalized financing recommendations or guarantees that a particular program is available.

Qualification & Eligibility

What Do You Need to Qualify for Business Loans?

Business financing qualifications differ by program. A traditional lender may place substantial emphasis on credit history, operating history, and financial statements.

Other providers may also consider recent revenue, bank deposits, receivables, and day-to-day cash flow.

For that reason, there is no single credit score, revenue threshold, or time-in-business requirement that applies universally to every funding option.

Approval depends on the provider's underwriting standards and whether the business can satisfy the proposed obligations.

What if your credit is less than perfect? You may still have financing options. For the complete eligibility and preparation guide, read How to Get a Business Loan With Bad Credit: 7 Steps .

Getting Started

How to Apply for Business Loans and Funding Through VMS

Start with your financing needs and business information. The process and documentation depend on the funding product and participating provider.

STEP 01

Tell Us About Your Business

First, complete the funding application with accurate business information, your capital needs, and the intended use of funds.

STEP 02

Review Available Options

Next, the applicable financing provider evaluates eligibility and may request additional documentation. If an offer is available, review the amount and terms.

STEP 03

Accept Terms Before Funding

Finally, carefully examine the agreement before signing. Funding can proceed only after all applicable approvals, conditions, and documentation are satisfied.

Ready to Begin?

If you know how much capital you need, you can start the application process now. Otherwise, contact our team to discuss the next steps.

Start My Funding Application Call 800-531-8575

You will be directed to the existing external SignWell funding application. Application review, approval, and funding are subject to program requirements.

Understand the Full Agreement

Business Loan Costs, Repayment & Important Terms

Two financing offers with the same funding amount can have very different total costs.

For example, term loans may use interest rates and fees, while lines of credit may include draw charges or renewal conditions.

Merchant cash advances may use factor rates or other contractual pricing methods. A factor rate is not the same as an APR.

As a result, comparing a financing offer requires looking at the amount received, total repayment, fees, and payment timing.

Some arrangements require daily or weekly payments. Others involve monthly schedules or payments related to revenue.

Ultimately, the real question is not merely how quickly funds become available. It is whether the payment obligation works for the business.

A practical VMS principle: Getting access to capital is only one part of a sound business decision.

If the payments would create more pressure than the financing solves, it may be better to postpone borrowing, reduce an expense, or evaluate another option.

Practical Business Applications

How Businesses Use Working Capital & Business Loans

The appropriate financing structure depends on what the business needs to accomplish and when it expects to benefit.

Restaurants & Hospitality

Commercial equipment, dining room improvements, inventory, and seasonal operating needs.

Retail & Ecommerce

Inventory purchases, fulfillment capacity, technology improvements, and seasonal demand.

Contractors & Field Services

Equipment, vehicles, materials, and cash flow timing between project expenses and customer payments.

Automotive Businesses

Diagnostic equipment, facility improvements, service tools, and operating capital.

Healthcare & Professional Services

Eligible business equipment, office expansion, technology, and operating needs.

Growing Service Businesses

Additional capacity, eligible staffing expenses, business systems, and planned expansion.

These are examples of potential business funding uses. Actual permitted uses depend on the financing program and agreement.

About Valued Merchant Services

Business Funding Backed by Merchant Services Experience

Valued Merchant Services was founded in Idaho in 2006. Today, we serve businesses nationwide with credit card processing, point-of-sale technology, ecommerce payments, and related business services.

Business financing is part of that broader relationship. Merchants evaluating funding often need to consider the same factors that affect their everyday operations: revenue, deposits, expenses, and cash flow.

Chris Del Grande, President and Co-Founder of Valued Merchant Services, has worked with business owners on payment technology and business solutions since founding VMS.

His guiding philosophy is people before profits. That means helping merchants understand their options rather than recommending a change simply because a product is available.

VMS helps businesses explore funding through participating financing relationships. Individual providers determine financing availability, eligibility, underwriting, and contractual terms.

Learn More About Our Company

Helpful Financing Resources

Research Business Financing Before You Apply

If you're still comparing alternatives, these resources can help you understand financing requirements and make an informed decision.

VMS Business Financing Guide

How to Get a Business Loan With Bad Credit

Credit challenges do not automatically eliminate every financing possibility. Our detailed guide explains eligibility, preparation, financing alternatives, credit inquiries, and repayment risks.

Written by Chris Del Grande, President and Co-Founder of Valued Merchant Services.

Read the 7-Step Business Loan Guide
Independent Government Resource

U.S. Small Business Administration

The SBA provides information about its business loan programs and eligibility requirements, including the 7(a) program.

Businesses can also use SBA Lender Match to explore participating lenders independently.

Explore SBA Business Loan Information

This is an independent informational resource. It does not imply SBA approval, endorsement, or a VMS lending relationship.

Frequently Asked Questions

Business Loans, Lines of Credit & Working Capital FAQs

Straightforward answers to common questions about VMS business funding and the application process.

What types of business loans and financing can VMS help me explore?

Through available financing relationships, VMS helps businesses explore options that may include secured and unsecured term loans, business lines of credit, short-term working capital, merchant cash advances, equipment financing, receivables financing, and eligible blended arrangements. Availability varies by provider.

How much business funding can I qualify for?

The amount depends on the financing product, business revenue, operating history, credit qualifications, cash flow, and existing obligations. A participating provider determines any approved amount and terms.

Can I apply if my personal credit is less than perfect?

Yes, you may explore financing options even with imperfect credit. Some programs consider business performance alongside credit history.

However, approval is not guaranteed, and weaker credit may limit options or increase costs. Our bad-credit business loan guide explains the considerations in greater detail.

Are collateral or personal guarantees required?

Requirements differ by financing product. Some arrangements may not require specific pledged collateral, while others involve collateral, liens, security interests, or personal guarantees. Always review the actual agreement.

How fast can my business receive funding?

Funding times depend on the provider, underwriting process, document requirements, banking procedures, and final approval. Some programs may move more quickly than traditional financing, but no specific funding timeline is guaranteed.

What documentation may be required?

Financing providers may request business information, ownership details, bank statements, revenue records, tax returns, or financial statements. Requirements vary based on the program.

Submit sensitive information only through a verified, appropriate application process.

Is a business line of credit better than a term loan?

Neither is universally better. A line of credit may fit recurring or intermittent capital needs, while a term loan may be more suitable for a defined investment.

Compare interest or financing charges, payment schedules, limits, and agreement terms.

Do I need to process credit cards through VMS to apply?

Financing eligibility and any processing relationship requirements depend on the applicable funding product and provider. Ask about those conditions before accepting an offer. Do not assume that changing processors is required.

Does submitting an application guarantee approval?

No. Submitting an application starts an evaluation process. A financing provider may request additional documents or decline an application. Preliminary qualification does not guarantee final approval or funding.

Is Valued Merchant Services the company making the loan?

VMS helps businesses explore financing through applicable funding relationships. The identity and responsibilities of the actual financing provider should be disclosed in the offer and agreement.

That provider determines underwriting and contractual obligations.

Explore Your Business Funding Options

Ready to Explore Business Loans and Working Capital?

Whether you need a business loan, line of credit, equipment financing, or working capital, Valued Merchant Services can help you take the next step toward exploring available financing options.

Begin the funding application or speak with our team. You'll have an opportunity to review actual terms before deciding whether to accept an offer.

Start My Business Funding Application Call 800-531-8575

Financing is subject to underwriting and participating provider approval. Funding amounts, costs, credit inquiries, payment frequency, collateral requirements, guarantees, and funding times vary by program. Review all documents before accepting an offer.

More About Valued Merchant Services

Explore the payment technology, merchant services, and company information behind VMS.

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