Business financing solutions

Power growth with fast alternative funding options. Non-dilutive capital so you don’t give up equity or control of your business.

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business financing solutions by VOX Funding

Find the best product to fund your business

Flexible funding options customized to your needs

  • Revenue Advance by VOX Funding

    Fund growth with a rapid, pre-approved lump sum.

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    Revenue advance MCA

  • Invoice Factoring by VOX Factor

    Don’t wait 90 days to prepare for peak season, we purchase up to 90% of your invoice value today.

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    Invoice Factoring by VOX Factor

  • Business Line of Credit by Chedr

    Access capital when you need it — pay for what you use.

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    Business Line of Credit by Chedr

  • Amortizing Loan by Chedr

    Get a lump sum to invest in your business with structured repayment over time

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    Amortizing Loan

Popular industries we fund

We fund most industries outside those which are vice-related like gambling or cannabis. Here are some of the more popular sectors that have strong working capital needs.

Restaurants and food services

Restaurants and food services

Whether you are experiencing cash flow gaps due to seasonality, expansion, or trouble getting a loan, many restaurants turn to us.

Construction

Construction

Fund construction projects and pay vendors on-time so you can take on more work. Our team also founded a construction financing company showing our specialized expertise.

Petcare

Petcare

Whether expanding into a new space, funding real-time marketing, or growing service offerings, we love our furry friends and the businesses that support them.

Retail

Retail

Buy inventory, hire seasonal workers, and save on discounted bulk purchase orders without waiting for revenue to come in.

Transportation and logistics

Transportation and logistics

Stabilize cash flow to cover immediate costs like fuel, payroll, and repairs with revenue advance and factoring.

Manufacturing and CPG

Manufacturing and CPG

Don’t worry about supply chain interruptions. Tackle business opportunities with working capital to purchase inventory, fund distribution, and fund large purchase orders.


Industry use cases

Just a few ways how our business financing options help local business owners grow:

  • Construction Deal
  • Restaurant & Food Services
  • Auto Repair
  • Roofing & Construction
  • Medical and Healthcare
  • Hydrovacs
  • Retail
  • Construction Deal
  • Roofing & Construction
  • Retail
  • Restaurant & Food Services
  • Auto Repair
  • Hydrovacs

Compare funding solutions

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Compare with:
Terms
Up to 24 months
Payment Schedule
Daily, weekly, or semi-monthly
Funding time
In as little as 24 hours of acceptance
Requirements
1 year in business (U.S) 600+ FICO score $120K+ annual revenue Business checking account
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Compare with:
Terms
80-90% of invoice value up to 90 days before customer payments
Funding Time
Approved invoices paid within 24-48 hours
Requirements
1 year in business (U.S) $120K+ annual revenue Paid by customer invoices
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Need help deciding?

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FAQ

Everything you need to know about business funding solutions from VOX Funding and our subsidiaries, Chedr and VOX Factor.

VOX Funding offers revenue advance, also known as merchant cash advance (MCA). Through our subsidiaries, Chedr and VOX Factor, we offer term loans, business line of credit (LOC), and invoice factoring.

Repayment may range from 6 months to 24 months depending on the business financing option you choose. More information can be found by referencing the specific product below:

Our revenue-based financing options, revenue advance (also known as merchant cash advance) and invoice factoring use factor rates, not interest rates. These rates are determined during our underwriting process and are based on numerous factors, particularly cash flow. Ultimately, business owners tend to pay more over time than typical small business loans offered by banks.

With revenue-based financing, a company like VOX purchases a portion of your future receivables. Underwriting emphasizes cash flow rather than a balance sheet, such as in a traditional loan from a bank. Revenue-based financing is not a loan.

Pay back for a revenue advance is taken as percentage of future sales on a fixed daily, weekly, and semi-monthly basis. Whereas with traditional loans, you borrow a set amount, then repay the principal and interest rates over a fixed term, usually in fixed monthly payments. It uses an APR (annual percentage rate).

Because revenue-based financing is based on your business’s performance, terms can be modified based on cash flow in what is known as a reconciliation process. This is not possible with a traditional bank loan.

Our revenue based financings and term loan solutions have very similar eligibility criteria and fast approval speeds (24-72 hours).

Currently, we do not directly offer SBA loans or SBA microloans. However, our amortizing term loans by Chedr are eligible for government-backed SBA refinancing.

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Ready to get funded?

VOX Funding gets you quick access to the capital your business needs. Apply today to see which VOX Funding Program is right for you.

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