Rates & Terms

What is the Interest Rate? How Long is the Term?

As a smart, informed business owner these are probably your first two questions regarding Vallexa Capital and the financing options offered by its network of funding partners.

What’s the Interest Rate?

You’re likely used to seeing an annual percentage rate (APR) attributed to any loan.Many of the business loan and advance products in our network are not associated with an APR because there is no annualized interest rate applied to the payback.Instead, our partners add a fixed cost to the funding amount. The payback equation:

  • The Amount Funded
  • The Fixed Cost
  • The Amount You Pay Back

The business line of credit offered by one of our partners replaces the fixed cost with a fee.

How Much is the Fixed Cost?

The fixed cost depends on numerous factors regarding you and your business plus the loan or advance product that you choose. However, we can tell you that it typically ranges from $0.14 to $0.40 on every $1 funded. The fees for the business line of credit are 1% – 13.5% of the selected loan amount for the first two months and 1% for each of the remaining four months of the six month term.


Why is this Better for Me & My Business?

  • 1.
    No personal collateral required You don’t have to put up your house or car.
  • 4.
    Seize upon a hot opportunity Take your business from good to great.
  • 2.
    Funding in minutes or hours after approval Don’t wait weeks or months for the money.
  • 5.
    Funds for an unexpected emergency Timely help to keep your business going when you need it most.
  • 3.
    Apply and get pre-approval in minutes Forget the tedious, never ending paperwork.
  • 6.
    Hear “Yes” when banks are saying “No” Our network gives your business the advantage with more options & choice.

How Long to Pay it Back?

Depending on the business loan/advance product the payback term ranges from four (4) months to two (2) years. The average term ranges from 6-10 months.Through our network, your business is not saddled with debt for years. 

And How do I Pay the Money Back?

With our business loans & advances, there are two different ways based on what’s best for your business.1. Pay a small percentage (typically 8-10%) of your credit card sales Monday-Friday so the payback adjusts with the ebb and flow of your business.2. Pay back a set amount daily or weekly so you always know what’s owed and the exact date it’ll be paid off.

Pay a Percentage of Daily Sales
  • For businesses with a large amount of credit card transactions
  • Your funding partner takes 8-10% of your credit card sales Monday-Friday
  • No set term, but on average it takes 6-8 months to pay back
  • No payments on weekends or holidays
Pay a Fixed Dollar Amount
  • For businesses that primarily invoice their customers
  • You pay the same dollar amount every weekday (Mon-Fri)
  • The term is fixed at between 4 months to 2 years
  • No payments on weekends or holidays

For the business line of credit, you’ll be charged monthly for the six month term of the loan. However, you can pay the loan back faster with no penalty to save on fees.

Still have questions? Consult our Frequently Asked Questions (FAQs) or call one of our knowledgeable Funding Specialists at
855-827-6588 .