Compare Vallexa Capital:
More Options and Easier Funding for Small Business
Use the chart below to compare the different financing options offered by our network.
Four (4) Different Financing Options
Business Term Loans |
Revenue-Based Financing | Merchant Cash Advance |
Business Line of Credit |
|
---|---|---|---|---|
Availability | High | Highest | High | Lower |
Time to Funding | Days | Days | Days | Minutes |
Best for | Established businesses with consistent bank deposits year-round. | Businesses with income that fluctuates month to month. | Businesses that deal mostly with credit card transactions. | Healthy businesses that want on-demand access to funding multiple times. |
Amount | $5,000 – $250,000 | $5,000 – $250,000 | $5,000 – $100,000 | $2,000 – $100,000 |
Funding | Lump sum deposited in as fast as 24 hours after approval. | Lump sum deposited in as fast as 24 hours after approval. | Lump sum deposited in as fast as 24 hours after approval. | Draw down on a line of credit up to once a day; funds in as fast as 7 minutes. |
Term | 4 – 24 Months | 4 – 18 Months | No set maturity date Avg. 6 – 8 Month payback |
6 Months per draw |
Personal Collateral Required | No | No | No | No |
Rate | 19.99 – 39.99% for a 24 month term loan | N/A; a fixed cost instead | N/A; a fixed cost instead | 1 – 13.5% for the first (2) months and 1% for the next four (4) months |
Fixed Cost | A negotiated amount based on the total amount loaned and an evaluation of the business. Typically ranges from $0.14 to $0.33 for every $1 funded. | A negotiated amount based on the total amount advanced and an evaluation of the business. Typically ranges from $0.20 to $0.40 for every $1 funded. | A negotiated amount based on the total amount advanced and an evaluation of the business. Typically ranges from $0.20 to $0.40 for every $1 funded. | N/A; a rate instead |
Repayment (Learn More) |
A predetermined amount is automatically paid back either daily or weekly, depending on the qualifications of the business (no payments on weekends or bank holidays). | A predetermined amount is automatically paid back either daily or weekly, depending on the qualifications of the business (no payments on weekends or bank holidays). Seasonal businesses may qualify for a variable amount that adjusts based on cash flow. | A predetermined percentage of daily credit card sales is deducted from your daily merchant account reconciliation (no payments on weekends or bank holidays). | 1/6th of the loan plus fees is collected every month; no penalty for paying early |
Additional Funding | Most businesses will qualify for additional funds after at least 50% of the first loan has been repaid. | Most businesses will qualify for additional funds after at least 50% of the first advance has been repaid. | Most businesses will qualify for additional funds after at least 50% of the first advance has been repaid. | Accounts reunderwritten monthly; can request a manual review for additional funding. |
Learn more about Business Term Loans | Learn more about Revenue-Based Financing | Learn more about Merchant Cash Advance | Learn more about Lines of Credit |
Learn More About: Merchant Cash Advances
Learn More About: Business Financing 101
Learn More About: Business Loans
Learn More About: Vallexa Capital
Learn More About: The 4 Products Offered & Their Differences