(847) 282-4933
Among 1000's of lenders — where to apply for a loan?
Ilia Prikaztchikov, Chicago
your private credit consultant
Free case review

There are 1,000’s of different of Lenders — ranging from national banks to private banks and crowd funding sources.

When you apply to a “wrong” lender:
waste of time
credit inquiries will lower your credit score and increase chances of not getting a loan or getting a lower amount
So... how can you choose the best lender to fit your exact needs?
VDA Capital Group maintains professional relationships with 100+ lenders
We know all of their specific terms
and conditions
We quickly review your case and connect you with the lender(s) whose terms meet your needs for the loan amount, repayment timeframes, interest rates and fees
We never waste your time
Oh... And we only get paid when you get funded!
Check your options
How much do you need?
1 000
Business or personal loan?
Your credit score:
Excellent (720+)
Excellent (720+)
Good (680-720)
Fair (620-680)
Poor (<620)
Do it yourself VS hire vda capital
Ryan
Story
Jim
Where they started
720+ FICO score and established
credit history
Ryan & Jim goals
  • Trucking business for 5 years
  • 10 freight trucks in the fleet
  • Urgently needs $50,000 to repair 5 trucks
What Ryan did:
What Jim did:
June 1
Ryan called his bank where he was a client for 5 years, but the business banker was not in the branch. So, John had to schedule an appointment in 3 days.
Ryan is waiting for 3 days...
Jim called VDA Capital Group and set up an appointment the same day.
After review of Jim`s financials, he was advised to wait for 1-2 days while VDA Capital specialist discusses his case with a couple of lenders. The problem was that Jim had a factoring company that placed a UCC blanket lien against all of his business. And most of the banks do not accept a second lien holder position.
June 3
Ryan came for an appointment to his bank. After talking to the banker and explaining how his business operates, he was given a list of documents that he had to send to the bank.
Same day Ryan sent all necessary docs to the banker, who told him to wait a couple of weeks till the banker has an answer from underwriter.
VDA Capital specialist finds a lender that would fund $50,000 and accept a second lien position.
Jim was presented with an offer and he accepted it. And his file was sent to the underwriter.
June 5
Ryan is waiting for 1 week...
Underwriter called Jim for a 15 min talk to find out about why Jim needs money and where he is planning to spend them.
June 8
Still waiting...
Jim`s app is approved. He receives a contract. He signes it electronically and send it back to the lender.
June 9
Still waiting...
The funding is scheduled in 2 business days.
June 11
Still waiting...
Jim receives his funds on his business bank account. Right away he spends them for his trucks repair job.
June 15
Ryan is contacted by the banker and asked for additional information about his business (how many trucks he has, if he has a factoring company). Ryan sends info right away.
All trucks are repaired and are back on the road.
June 22
Ryan is contacted by the banker and told that his app was denied because he had a factoring company that put a UCC lien on his company and the bank cannot accept a second lien position.
Ryan decides to contact an online lender that he found by searching the web.
Jim just made $50,000 in gross revenue for 1 week.
June 23
Ryan is offered $50,000 at 28% interest rate for 1 year. Ryan cannot wait any longer because his trucks are not operating and he has a high overhead. So, he accepts the offer.
Jim`s trucks are on the road making more money.
Final result
  • Lost 24 days before he got funded
  • Paid $0 to the online lender for processing
  • $50,000 loan at 28% APR for 1 year
  • Monthly payment — $5,334
  • Will pay $14,000 in interest
  • Lost 10 days before he got funded
  • Paid $2,500 to VDA Capital Group for processing
  • $50,000 loan at 7.5% APR for 3 years
  • Monthly payment — $1,702
  • Will pay $11,250 in interest
Ready to schedule your free case review?
Time
Money
Result
Professionalism
Recognition
Free preliminary consulting
and case evaluation.
We will never waste your
time if we cannot help!
WHY HIRE US?
We have partner relationships
with over 100 local and
nationwide lenders.
You will get the best deal!
WHY HIRE US?
If you don`t accept any
offers that we present you,
you don`t owe anything.
We get paid only when you
get results!
WHY HIRE US?
We are professional in our field
as well as you are in yours.
We have over 7 years
of experience!
WHY HIRE US?
800+
happy clients!
WHY HIRE US?
Choose Your Loan
Your loan options:
Clear selectionBusiness
Express loans
Term loans
Lines of credit
Equipment loan
Real estate flip loans
SBA loans
Bad credit loans
Good credit loans
Home equity lines of credit
Express loans
We Offer

Funding up to $150,000
Daily (Mon. – Fr.) or bi-weekly payments
No penalty for prepayment
Processing takes 3-7 business days

Requirements

550+ FICO (No bankruptcy for the last 3 years)
1+ years in business

×
Term loans
We Offer

Funding up to $5,000,000
Terms up to 5 years
4.5%+ APR
0% down payment
Processing takes 2-3 weeks for loan amounts under $250,000.

Requirements

620+ FICO (No bankruptcy for the last 5 years, No open liens or judgments)
No criminal record
1+ years in business

×
Lines of credit
We Offer

Funding up to $500,000
Terms up to 5 years
4.5%+ APR
You get funding within 2-3 weeks

Requirements

620+ FICO (No bankruptcy for the last 7 years)
2+ years in business

×
Equipment loan (trucks, machinery, etc)
We Offer

Funding up to $150,000
Terms up to 5 years
4.50%+ APR
0% to 20% down payment
Processing takes 3-10 business days
NO UPFRONT fees

Requirements

680+ FICO (No derogatory accounts, No bankruptcy for the last 7 years)
Buying a 10 year old or new piece of equipment

×
Real estate flip loans
We Offer

Funding up to $10,000,000
Terms up to 15 years fully amortizing
Up to 80% LTV for purchase and up to 75% for refinances (cash out transactions considered)
4.50%+ APR

Requirements

660+ FICO (No derogatory accounts, No bankruptcy for the last 7 years, No late payments)
Minimum 3 years in business
Company sales should exceed a loan amount

×
SBA loans (commercial real estate)
We Offer

Funding from $350,000 to $20,000,000 for business or real estate acquisitions, construction, refinancing, franchise or equipment financing
Terms up to 25 years fully amortized
Up to 100% financing available for general purpose owner/user commercial real estate and equipment
6.00% APR (can be lower if there is a down payment)
Processing takes 2 months

Requirements

660+ FICO (No derogatory accounts, No bankruptcy for the last 7 years, No late payments)
Minimum 3 years in business
Company sales should exceed a loan amount

×
Bad credit loans
We Offer

Funding up to $50K
14.99%+ APR
You get funding in 1-2 weeks

Requirements

Must have at least 600 FICO

×
Good credit loans
We Offer

Funding up to $250K
Funding in the form of personal credit cards and personal loans
0% APR for the first 6 months on most of the credit cards
5.99%+ APR
You get funding in 1-2 weeks

Requirements

Must have at least 700+ FICO (No bankruptcy for the last 7 years)
At least 70% available credit on ALL credit lines/cards

×
Home equity lines of credit
We Offer

Funding up to 90% LTV
You get funding in 4 weeks
No doc fee
No appraisal fee
No closing cost

Requirements

680+ FICO (No derogatory accounts, No bankruptcy for the last 7 years, No late payments!)
At least 65% available credit on ALL credit lines/cards

×
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Business information
If applicable, don't include rehab funds being requested at this point in the application. You'll be asked to include the rehab figure later.

PLEASE BE REASONABLE WHEN SELECTING CLOSING TIME. Timing effects your financing options. Usually, the less time we have to close your loan, the more expensive the financing options will be.
"Verifiable improvements" are those improvements that can be substantiated by paid contractor invoices or receipts (no sweat equity)
For the last 6 months.
For the last 12 months.
For the last 24 months.
Total.
Your application was submitted.
Thank you.
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