Deal Direct With the Lender
Are you looking for the lowest rates and longest terms?
Vita Nova Capital can offer terms 1-20 years with the lowest rates in the industry!
No MCA's Here
Need business capital without getting trapped in MCA payments?
We offer term loans, lines of credit, SBA Loans, Business Aquisition Loans and Commercial Realestate loans with rates typically far lower than MCA options
Unlike banks, we are built for business owners who need a practical solution now:
Loan Amounts will be a minimum of 150% - 300% of monthly gross revenue
Terms 1, 2, 3, 5, 10 & 20 years
No Prepayment Penalties
Interest Only Options
No Personal Guarantees
No Collateral on Loans under $750,000
FICO as low as 550
Same Day Approvals and Funding
If you want real financing without the outrageous cost of an MCA — or your bank is too slow, too restrictive, will not give you enough — we may be the right fit.
What Loan Products do you offer?
We offer traditional business Term Loans, business Lines of Credit, SBA Loans, Commerical Realestate, Business Aquisition Loans and Consolidation Loans. When you apply with us, you’ll use one application and we’ll evaluate which product best fits your business’s cash flow and funding needs.
What are Vita Nova Capital’s loan amounts and terms?
Our term loan can offer from $25,000 to $50,000,000 in funding, with term lengths ranging from 1 year to 20 years with SBA Loan options. Our line of credit has a maximum limit of $750,000. A line of credit is a form of revolving credit, so as you pay down your balance, those funds will become available to use again. Consolidation Loans for MCA's are not a reverse consolidation, its a traditional loan with a monthly payment.
How do I qualify for Vita Nova Capital's Loans?
To qualify for funding from Vita Nova Capital, your business should have the following characteristics: Minimum one year in business. Minimum of $20,000 in monthly revenue. Minimum 550 personal FICO score for the business owner. Business checking account.
Does Vita Nova Capital perform a hard or soft inquiry on my credit?
When determining eligibility, we’ll perform a soft credit check on the business owner’s personal credit.
How does the application process work?
Our application process is simple and typically takes about 10 minutes. You’ll complete one application, and provide 3 months bank statements, we will get you an offer within hours. Once we decide the best loan option for your business, we may require additional information before funding.
What industries do you work with?
We work with more than 700 different kinds of businesses including restaurants, auto repair shops, healthcare professionals, contractors, and many other service providers.
How Fast Can I expect to receive funding?
You can expect funding from same day to 3 days for our typical Term Loan or Line of Credit. SBA Loans can take 2-4 weeks. Business Aquisition and Commercial Property Loans can take 2-4 weeks. The times quoted are from approval to funds in your bank account.
Testimonials
Josh Donohoe
"Vita Nova Capital provided us with a straightforward loan process. The transparency and honesty were refreshing, and the terms were clear from the start." – Josh Donohoe, Do Ho Grill
Alicia Martinez
Vita Nova Capital allowed us to consolidate several High Interest MCA loans. They not only lowered the monthly payment but they were able to get us additional capital. Vita Nova saved us from the downward spiral of MCA loans. I highly recommend Tim and Vita Nova Capital. - Alicia Martinez, New Life Medical Centers
Get In Touch
Hours
Mon to Fri - 9:00am – 5:00pm cst
Saturday - Sunday – CLOSED