Business financing without the runaround.
The terms matter as much as the approval. We work with a vetted panel of funding partners to arrange equipment financing and invoice factoring, and stay involved through closing.
No credit pull to start
Financing amount
$10,000–$5 million
Credit profile
Strong to challenged
Time in business
Some startup programs available
Purpose
Business use only
What do you need financing for?
Buy equipment
Finance new or used business equipment without paying the full cost upfront. Excavators, loaders, shop equipment, production machinery, material-handling equipment, and other non-titled business assets. Dealer and private-party purchases considered.
Get paid sooner
Access money tied up in eligible invoices for work you have already completed. Factoring can help cover payroll, fuel, materials, and other operating costs while you wait for customers to pay.
Start with the basics.
You should not have to gather a full file or authorize a credit pull just to learn whether a request is worth pursuing.
1
Tell us what you need
Share your business name, what you are financing, roughly how much you need, and how long you have been operating. It takes a few minutes. No documents are required to start.
2
We review the request
We look at the request against the programs available through our funding partners and tell you what appears realistic. If we do not see a workable route, we will say so early.
3
You decide whether to continue
When there is a potential fit, we explain which funding partner we would approach, what documents they need, and whether they expect a soft or hard credit inquiry. Nothing is submitted until you approve it.
The next request should be easier.
Another machine. A larger equipment package. A new customer paying on longer terms. When another financing need comes up, you should not have to start from the beginning with someone new.
We already know the business
Your previous request and deal history stay organized, so the next conversation starts with context.
You keep the same point of contact
You work with someone who already understands the business and the earlier transaction.
You get a straight answer
If we do not think a request is workable, we will tell you before you spend time gathering documents.
Where we stop.
We would rather be clear about this before you submit a request.
Business use only
We do not arrange personal, household, consumer, or home-secured financing.
No merchant cash advances
We do not offer merchant cash advances or sales-based financing, and we do not stack another position on one.
Funding partners make the decision
VeriFunding is a commercial finance broker, not a lender. Funding partners approve, price, and fund every transaction.
How VeriFunding is paid
Funding partners may compensate VeriFunding when financing closes. VeriFunding does not charge the business a broker fee.
What we need, and when.
To get started
Your business name, your state, what you are financing or invoicing, roughly how much, and how long you have been operating. A few minutes and nothing else.
If you continue
A signed credit authorization and whatever the funding partner requires. You get that list once we know which partner we are working toward, so you are not gathering paperwork you may not need.
Before funding
Insurance, signed documents, and any conditions the partner sets. We give you these at submission so nothing surprises you at the end.
Your credit
Nothing is pulled from the first request. Authorization is a separate step you sign, and nothing goes to a funder before that.
Tell us what you are trying to do.
Start with a few basic details. No documents and nothing that touches your credit.
Frequently asked questions
Is a credit pull required to start?
No. Starting a request does not authorize a credit inquiry. Credit authorization is a separate step that you sign only if you decide to continue with a funding partner.
What kinds of financing does VeriFunding arrange?
VeriFunding currently arranges equipment financing and invoice factoring for businesses through independent funding partners. Equipment financing is available for many types of new and used non-titled business equipment. Invoice factoring is available for eligible business-to-business and government invoices.
Does VeriFunding charge a fee?
VeriFunding does not charge the business a broker fee. Funding partners may pay VeriFunding when financing closes. The funding partner may charge interest, factoring fees, documentation fees, or other transaction costs. Those terms are provided before you sign a financing agreement.
What credit profiles are considered?
Programs range from strong credit to challenged profiles. Some funding partners consider thin credit files, discharged bankruptcies, prior credit problems, and newer businesses. Every funding partner sets its own requirements, and being within a general range does not guarantee approval.
What information is needed to start?
To begin, we need basic information about the business, what you are financing, roughly how much you need, and how long the business has been operating. Documents are requested only after we identify a potential funding path and you decide to continue.