Unsecured Loans 

Have You Been Unable to Secure Traditional Loans Due to Issues with Collateral, Credit, Cash Flow, Banking, Our Economy, Etc.?

 

 

 

                   We Give You Both Cash & Customers™!

 

 

 

We've asked many small business owners where they find the most headaches in running a business, and the most consistent answer is cash flow problems. 

 

There are so many pressure points when cash is short: facing your employees when you cannot make payroll, answering to vendors who do not hesitate to call when payments are late, communicating to customers that you will not be able to deliver an order due to lack of inventory and/or staff, putting your business growth plans on hold to make certain there's enough operational cash flow, or facing a default on a credit line with the associated loss of creditworthiness.

 

What we do? We provide financing based on your company's expected cash flows. In essence, we purchase a small percentage of your future sales at a discount to provide an unsecured loan. This differs from a traditional asset-backed loan, where the collateral for the loan is based on your company's assets. You are Not required to provide any collateral, have excellent credit, make fixed payments, increase debt, or decrease equity.

 

PLUS, you'll receive two (2) Direct Mail Miles™ for every dollar you receive from our Unsecured Loan to help you improve cash flow, by increasing NEW and existing customer sales. Apply Now for an Unsecured Loan

 

Note: If you have unpaid customer invoices, we can provide Unsecured Loans for your business customers  to clear up invoices over 45 days old. And, Unsecured Loans are an excellent way for business customers to finance your goods and services they need today with future cash flow.

 

 

How are we different?

 

We don't forced you into one size fits all small business solutions. As your business grows and changes, so will your needs. We can respond to those needs through our extensive service portfolio that encompasses both leading and specialized niche solutions. Therefore, in addition to Unsecured Loans, we'll help you with Account Receivable Financing, Bartering Excess Inventory or Business Capacity, Cash Flow Management Services, and Small Business Solutions. 

 

Our approval process is fast and simple. Funding decisions are provided within three (3) business days upon receipt of your completed application. And once approved, you will receive your Unsecured Loan within seven (7) business days or less.

 

 

Unsecured Loans may cost more than traditional financing, however there's:

 

No need to meet the specific approval criteria of traditional business lenders for collateral, credit, financials,

experience, etc.

No impact on your debt-to-income ratio, personal/business credit, credit lines, or ability to qualify for other financing since our Unsecured Loans are a purchase or trade and NOT a traditional loan.

No need to give up an ongoing 10%-50% or more in equity, decision making rights, or profits to a partner or investor . . . a cost that's generally greater than paying a one time discount on the purchase of your future sales. 

No blanket liens on all of your assets. This may prevent you from obtaining other financing like Account Receivable Financing, etc.    

No customer discounts. Unsecured Loans are an excellent way to eliminate the need to commoditize or devalue your goods and services. Once you start discounting goods and services to increase cash flow, your customers may never pay a decent rate again

 

To determine your eligibility and funding amount, we'll analyze your existing credit card and cash sales. Based upon our findings, we'll offer you an Unsecured Loan solution to help meet your needs.

For Example: You trade $1.25 of your future sales for every $1.00 received from our Unsecured Loan.

($25,000 Unsecured Loan = $31,250 Future Sales) - A small, fixed percentage of your future sales is automatically collected from your credit card sales or bank account on a daily basis. The repayment period typically takes approximately 6-12 months, depending on your sales and there is no penalty for early payment or if it takes longer. Your actual funding amount, rates, and terms are determined during the approval process.

We may require you to change your credit-card processor due to our unique method of collecting your future sales. However, our promise is to meet or beat your current credit card processing rates if a change of processor is required.

 

 

Use your Unsecured Loan any way you wish. Our clients typically use their cash for:

 

• Finding NEW customers with our Internet Marketing Packages or Direct Mail Packages

• Buying a NEW POS or PMS system

• Renovating or expanding your business

• Purchasing inventory to prepare for a peak season and/or to receive quantity discounts

• Increasing sales and maintaining customer relationships with Gift & Loyalty Card Programs

• Taking care of legal issues

• Catching up on the rent or mortgage

•  Working capital

• Eliminating late fees, bank overdraft charges, and returned checks  

• Taking advantage of early payment discounts

• Emergencies

• Improving credit rating and qualifying for better terms with suppliers

• Purchasing or replacing equipment

• Meeting payroll and/or tax obligations

• Eliminating the need to worry about cash flow issues

• Buying out a partner or investor

• Increasing cash flow to accommodate rapid growth 

• Buying or renewing a liquor license

• Paying off or consolidating other debt to improve cash flow

• Hiring top quality staff

• Improving financials and making it easier to obtain a line of credit or more traditional financing

• Collecting money from customers with Debit Recovery Services

• Developing NEW products and Services

 

All you need to apply for our Unsecured Loan is to complete the application form(s), provide copies of your most recent credit card processing and bank statements to verify sales, a voided check to deposit funds, copy of your photo ID (government issued) to verify your identity, and a copy of your business license to show that your business is operational. Your business must be at least 6-12 months old to qualify for a Unsecured Loan.

 

Once submitted, we'll do the rest. Funds are wired directly into your bank account. The whole process is easy and typically takes seven (7) business days or less once approved.

 

 

Apply Now for an Unsecured Loan or email us at customerservice@vitalcashflow.com if you have any questions. You may also contact us at (888)465-0247 Ext. 703 to find out how doing business with Vital Cash Flow TM may help increase your cash and customers.

 

 

 

Areas We Serve:

 (Partial List)

Alabama - AL, Anniston, Oxford, Auburn, Opelika, Birmingham, Hoover, Decatur, Dothan, Florence, Muscle Shoals, Gadsden, Huntsville, Mobile, Montgomery, Tuscaloosa Alaska - AK, Anchorage, Fairbanks Arizona - AZ, Flagstaff, Lake Havasu City, Kingman, Phoenix, Mesa, Scottsdale, Prescott, Tucson, Yuma Arkansas - AR, Hot Springs, Jonesboro, Little Rock, North Little Rock, Conway, Pine Bluff, Fayetteville, Springdale, Rogers, Fort Smith	Louisiana - LA, New Orleans, Metairie, Kenner, Baton Rouge, Shreveport, Bossier City, Lafayette, Houma, Bayou Cane, Thibodaux, Lake Charles, Monroe, Alexandria Massachusetts - MA, Worcester, Springfield, Barnstable Town, Pittsfield, Boston, Cambridge, Quincy, Boston/Camb/Brook, Northwest/Merrimack, Metro West, North Shore, South Shore  Maryland - MD, Baltimore, Towson, Salisbury, Hagerstown, Martinsburg, Cumberland Maine - ME, Portland, South Portland, Biddeford, Bangor, Lewiston, Auburn	Texas - TX, Dallas, Fort Worth, Arlington, Houston, Sugar Land, Baytown, San Antonio, Austin, Round Rock, El Paso,  McAllen, Edinburg, Mission, Corpus Christi, Brownsville, Harlingen, Beaumont, Port Arthur, Killeen, Temple, Fort Hood, Lubbock, Amarillo, Laredo, Waco, Longview, College Station, Bryan, Tyler, Abilene, Wichita Falls, Odessa,  Midland, Sherman, Denison, Victoria, San Angelo, Texarkana, Dallas/Fort Worth, Mid Cities, North DFW, South DFW Utah - UT, Salt Lake City, Ogden, Clearfield, Provo, Orem, Logan, St. George
California - CA, Los Angeles, Long Beach, Santa Ana, San Francisco, Oakland, Fremont, Riverside, San Bernardino,  Ontario, San Diego, Carlsbad, San Marcos, Sacramento, Arden, Arcade, Roseville, San Jose, Sunnyvale, Santa Clara,  Fresno, Oxnard, Thousand Oaks, Ventura, Bakersfield, Stockton, Modesto, Santa Rosa, Petaluma, Visalia,  Porterville, Vallejo, Fairfield, Salinas, Santa Barbara, Santa Maria, Goleta, San Luis Obispo, Paso Robles, Santa Cruz, Watsonville, Merced, Chico, Redding, Yuba City, El Centro, Hanford, Corcoran, Madera, Napa, Westside-South bay, SF Valley, Central LA, San Gabriel Valley, Long Beach / 562, Antelope Valley, SF Bay Area, South Bay, East Bay, Peninsula, North Bay Colorado - CO, Denver, Aurora, Colorado Springs, Boulder, Fort Collins, Loveland, Greeley, Pueblo, Grand Junction Connecticut - CT, Hartford, West Hartford, East Hartford, Bridgeport, Stamford, Norwalk, New Haven, Milford, Norwich, New London	Michigan - MI, Detroit, Warren, Livonia, Grand Rapids, Wyoming, Lansing, East Lansing, Flint, Ann Arbor, Kalamazoo, Portage, Holland, Grand Haven, Saginaw, Saginaw Township North, Muskegon, Norton Shores, Jackson, Niles, Benton Harbor, Monroe, Battle Creek, Bay City Minnesota - MN, St. Cloud, Rochester, Minneapolis, St. Paul, Bloomington, Duluth Missouri - MO, Springfield, Joplin, Columbia, Jefferson City, St. Louis, Kansas City, St. Joseph, St. Charles, Chesterfield, Arnold, Oakville, Fenton, Kirkwood, Ballwin, Maryland Heights, Creve Coeur, Ladue, University City,  Farmington, Clayton, St. Peters, O'Fallon, Wentzville, Crestwood, Brentwood, Town and Country, Des Peres, Webster Groves, Maplewood, Ellisville, Wildwood, Valley Park, Sunset Hills, Bridgeton, Florissant, Hazelwood, St. Ann, Ferguson, St. John, St. Ann, Overland, Jennings, Bellefontaine Mississippi - MS, Jackson, Gulfport, Biloxi, Pascagoula, Hattiesburg  Montana - MT, Billings, Missoula, Great Falls North Carolina - NC, Raleigh, Cary, Greensboro, High Point, Durham, Winston, Salem, Asheville, Hickory, Lenoir, Morganton, Fayetteville, Wilmington, Greenville, Jacksonville, Rocky Mount, Burlington, Goldsboro, Charlotte,  Gastonia, Concord	Virginia - VA, Richmond, Roanoke, Lynchburg, Charlottesville, Blacksburg, Christiansburg, Radford, Harrisonburg, Danville, Virginia Beach, Norfolk, Newport News, Winchester Vermont - VT, Burlington, South Burlington Washington - WA, Seattle, Tacoma, Bellevue, Spokane, Olympia, Bremerton, Silverdale, Yakima, Kennewick, Pasco, Richland, Bellingham, Mount Vernon, Anacortes, Wenatchee, Longview Wisconsin - WI, Milwaukee, Waukesha, West Allis, Madison, Green Bay, Appleton, Racine, Oshkosh, Neenah, Janesville, Eau Claire, Wausau, Sheboygan, Fond du Lac, La Crosse West Virginia - WV, Charleston, WV MSA, Morgantown, Huntington, Ashland, Parkersburg, Marietta, Vienna, Wheeling, Weirton, Steubenville, Wyoming - WY, Cheyenne, Casper
District of Columbia - DC, Washington, Arlington, Alexandria, District of Columbia, Northern Virginia, Maryland Delaware - DE, Dover Florida - FL, Miami, Fort Lauderdale, Pompano Beach, Tampa, St. Petersburg, Clearwater, Orlando, Kissimmee, Jacksonville, Bradenton, Sarasota, Venice, Cape Coral, Fort Myers, Lakeland, Winter Haven, Palm Bay, Melbourne,  Titusville, Deltona, Daytona Beach, Ormond Beach, Pensacola, Ferry Pass, Brent, Port St. Lucie, Tallahassee,  Ocala, Naples, Marco Island, Gainesville, Fort Walton Beach, Crestview, Destin, Panama City, Lynn Haven, Punta Gorda, Sebastian, Vero Beach, Palm Coast, West Palm Beach, Saint Augustine, South Florida, Miami/Dade, Broward County, Palm Beach County, Winter Park, Altamonte Springs, Lake Mary, Sanford, Apopka	North Dakota - ND, Bismarck, Mandan, Fargo, Grand Forks Nebraska - NE, Lincoln, Omaha, Council Bluffs New Hampshire - NH, Manchester, Nashua New Jersey - NJ, Trenton, Ewing, Atlantic City, Hammonton, Vineland, Millville, Bridgeton, Ocean City New Mexico - NM, Albuquerque, Las Cruces, Santa Fe, Farmington Nevada - NV, Las Vegas, Paradise, Reno, Sparks, Carson City New York - NY, Buffalo, Niagara Falls, Rochester, Albany, Schenectady, Troy, Poughkeepsie, Newburgh, Middletown,  Syracuse, Utica, Rome, Binghamton, Kingston, Glens Falls, Ithaca, Elmira, New York, Northern New Jersey, Long Island, Catskills, Chautauqua, Elmira-corning, Hudson Valley, New York City, Plattsburgh, Adirondacks, Watertown, Manhattan, Brooklyn, Queens, Bronx, Staten Island, New Jersey, Westchester, Fairfield	Types of Businesses We Serve (Partial List) Retail Restaurant Hotel - Lodging Wholesale - Distributor Manufacturing Medical and Dental Office Grocery Store Automotive Parts Store Quick Service Retailer Specialty Retailer Fast Casual Restaurant Trucking - Transportation Staffing - Outsourced Labor Seafood Printing Service
Georgia - GA, Atlanta, Sandy Springs, Marietta, Savannah, Macon, Athens, Clarke County, Gainesville, Albany, Dalton, Warner Robins, Valdosta, Brunswick, Rome, Hinesville, Fort Stewart, Columbus, Augusta, Richmond County Hawaii - HI, Honolulu Idaho - ID, Boise City, Nampa, Coeur d'Alene, Idaho Falls, Pocatello, Lewiston Illinois - IL, Peoria, Rockford, Champaign, Urbana, Springfield, Bloomington, Normal, Kankakee, Bradley, Decatur,  Belleville, Edwardsville, Fairview Heights, O’Fallon, Collinsville, Alton, Glen Carbon, Troy, Granite City, Cahokia, Columbia, Carbondale, East. St. Louis, Danville, Chicago, Naperville, Joliet, City of Chicago, North Chicago land, West Chicagoland, South Chicagoland, Northwest Suburb Indiana - IN, Indianapolis, Carmel, Fort Wayne, Elkhart, Goshen, Lafayette, Bloomington, Terre Haute, Anderson, Muncie, Michigan City, La Porte, Kokomo, Columbus, Evansville, South Bend, Mishawaka, Northwest Indiana Kansas - KS, Wichita, Topeka, Lawrence, Kansas City, Overland Park  Kentucky - KY, Lexington, Fayette, Bowling Green, Owensboro, Elizabethtown, Louisville, Jefferson County	Ohio - OH, Cleveland, Elyria, Mentor, Columbus, Dayton, Akron, Toledo, Canton, Massillon, Springfield, Mansfield, Lima, Sandusky, Cincinnati, Middletown, Youngstown, Warren, Boardman Oklahoma - OK, Oklahoma City, Tulsa, Lawton,  Oregon - OR, Salem, Eugene, Springfield, Medford, Bend, Corvallis, Portland, Vancouver, Beaverton  Pennsylvania - PA, Pittsburgh, Scranton, Wilkes, Barre, Harrisburg, Carlisle, Lancaster, York, Hanover, Reading,  Erie, Johnstown, State College, Lebanon, Altoona, Williamsport, Allentown, Bethlehem, Easton, Philadelphia, Camden, Wilmington Rhode Island - RI, Providence, New Bedford, Fall River South Carolina - SC, Columbia, Charleston, North Charleston, Summerville, Greenville, Mauldin, Easley, Spartanburg, Myrtle Beach, North Myrtle Beach, Conway, Florence, Anderson, Sumter South Dakota - SD, Sioux Falls, Rapid City Tennessee - TN,  Nashville, Davidson, Murfreesboro, Franklin, Knoxville, Johnson City, Morristown, Jackson, Cleveland, Chattanooga, Clarksville, Memphis, Kingsport, Bristol

 

 

 

Relationship Rewards Mile™ and  Direct Mail Miles™ Terms: Receive two (2) Direct Mail Miles™ for every dollar you receive from our Unsecured Loans and10,000 Relationship Rewards Mile™ miles each calendar year that you use at least one of VCF's products or services,10,000 Relationship Rewards Mile™ for every NEW customer you refer, and promotional miles throughout the year on all products and services. Redeem miles for our Debit Recovery Services, Check Guarantee Services, Gift & Loyalty Card Services, Credit Card Processing Services, Recurring Billing Services, Direct Mail Services, Multiple Check Payment Guarantee Services, other products/services offered by Vital Cash Flow, or to simply buy down the cost of any NEW business financing. Please allow up to 45 days for Relationship Rewards Miles to be added to your account, once earned. 

 

Redeeming Miles: The number of miles required to redeem for products and services is based on your chosen purchases, multiplied by 100 (e.g., if the cost of the purchase is $100.00, the miles required for redemption will be $100 x 100 = 10,000 Relationship Rewards Mile™ and/or  Direct Mail Miles™

 

All rewards will be calculated as specified above and then rounded to the nearest whole increment. Your account must be open and in good standing (not past due, over limit, fraudulent, restricted, high risk,  in collections, or part of a consumer credit counseling program or bankruptcy settlement) to redeem rewards. If payments are received based on sales, Relationship Rewards Mile™ and/or  Direct Mail Miles™ may not be added to your account or redeemed if there's a greater than 40% unexpected decrease in your gross sales and/or credit card sales.

 

Relationship Rewards Mile™ and/or  Direct Mail Miles™ don't expire as long as your account is open and in good standing and you have used at least one of our products or services in the last calendar year. Relationship Rewards Miles or Direct Mail Miles can not be combined with any other offers, incentives, gifts, discounts, or specials. Relationship Rewards Miles and Direct Mail Miles may be redeemed for a minimum of 20,000 miles. And, you have the option to donate all or part of your miles to a charity of your choice. Vital Cash Flow has the right to change or cancel all reward programs at any time. However, any earned miles will be honored.

  

     

 

 

 

 

 

  MSNBC.com

Vital Cash Flow Launches New Cash & Customers Program to Help Business Owners Finance and Grow Their Firm

 

 

Quick Overview

• No Application or Closing Fees.

• No Added Debt or Decrease in Equity.

• No Blanket Liens on All Assets.

• No Collateral Required.

• No Stressful Fixed Payment Schedule.

• No Personal Guarantee for Payment.

• No Financials or Tax Returns Required.

• No Upfront Cost or Hidden Fees.

• Bad Credit - Not a Problem.

• Funding in 7 Business Days or Less.

• Flexible - Automated Payback.

• Cash Flow Problems are OK.

• Up to $600,000 or More Unsecured.

• Receive Two Direct Mail Miles™ for Every Dollar You Receive from Our Unsecured Loans.     

 

Apply Now for an Unsecured Loan

 

 

 

Solution: Obtain financing based on your company's expected cash flows.