How It Works
12 years
In business funding
One analyst
The same person
from start to finish
No application fee
We are paid by the funding source
when a transaction funds
FUNDING SOLUTIONS
Built for how your
business actually works.
Working Capital
Money for payroll, inventory, vendors and day-to-day costs. We introduce established businesses to funding sources that offer longer terms.
Cash Flow Financing
Funding based on your bank deposits and sales. A funding source buys a share of your future sales. It is not a loan, and your analyst explains the cost before you decide.
Layered Capital Solutions
For businesses that already have funding. We introduce funding sources that will consider adding more alongside it. Whether that is allowed depends on your current agreements, so we review them first.
Leadership
Led by a principal, not a call center.
Ali Barkhordar is founder and chief executive officer of Ultimate Business Capital LLC, which operates Vectus Funding. He has spent twelve years in business funding. A principal of the firm reviews every request before it goes to a funding source.
Vectus Funding is a commercial finance broker and a trade name of Ultimate Business Capital LLC, a Wyoming limited liability company. Funding decisions are made by the funding source on each transaction.
How We Review Your File
We look at your business, not just your industry.
Your Deposits
We look at your bank deposits and cash flow over time, the way a funding source will, so your request goes where it is most likely to fit.
Existing Funding
We look at any funding you already have, so we introduce you only to funding sources that can work with it.
Sized to Your Business
We match the size of each request to what your business supports before it goes out. Final terms are set by the funding source.
Three steps
How Placement Works
1. Apply
A short form with your contact details. There is no application fee.
2. Review
An analyst calls you to confirm what you need, may ask for supporting documents, and sends your request to the funding sources most likely to fit.
3. Compare and decide
Funding sources that make an offer send you their terms. You compare them and decide. You are never obligated to accept.
Frequently Asked
Before you apply.
The questions business owners ask most often before applying.
How long does the process take?â
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Timing depends on the product, the funding source and how quickly documents come together. Your analyst gives you a realistic timeline for your request at the outset.
Will my credit be reviewed?
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That depends on the funding source. Some review credit as part of their own process. Your analyst tells you what to expect before your request goes to any funding source.
What if I already have funding in place?
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Whether more is available depends on your current agreements and the funding source, so your analyst asks about any funding you already have at the start.
How much funding is available?
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Amounts depend on your business and each funding source's criteria, and any amount offered is the funding source's decision. Your analyst tells you what is realistic for your request before it is submitted.
Can I submit a request if another funding source declined me?â
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You can. Each funding source applies its own criteria, and your analyst will tell you plainly whether your request is likely to fit.
Funded From Our Own Balance Sheet
These are recent transactions that Ultimate Business Capital funded from its own balance sheet.
Trucking
$15,000 | 8-month term
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A North Carolina operator with 30 years in business needed working capital. Approved on the strength of consistent deposits.
Religious Nonprofit
$70,000 | 7-month term
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A repeat client with 28 years in operation returned for additional capital. A clean repayment record on the prior funding supported the approval.
Summer Camp
$1,000,000 | 11-month term
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A multi-generational operator with strong seasonal revenue. Approved on revenue strength and a long operating history.
Vectus Funding is a trade name of Ultimate Business Capital LLC. The transactions shown were funded from UBC's own balance sheet. Other placements are made with independent funding sources, and Vectus Funding may receive broker compensation on placements. Client details are anonymized.
What Clients Say
Shared with each client's written permission. Individual results vary. Terms are set by the funding source.
GG
Industrial Manufacturing
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"After several fixed-payment working capital fundings, I'm glad to have a line of credit arranged through Vectus Funding."
SB
Custom Home Development
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"I shopped around for a line of credit, and the offer Vectus Funding found was the one I chose."
DB
Real Estate Investor
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"As a real estate investor, I need access to a large line of credit. Vectus Funding found a line that fits how I invest, after more than 20 years with the same bank."
Get Started
One application. We find the funding sources that fit.
A short form with your contact details. An analyst calls you, reviews your request and explains which funding sources are likely to fit. Some funding sources request more information.
No application fee and no obligation. Vectus is paid by the funding source when a transaction funds, and every offer's terms come directly from the funding source.
Your form is submitted over an encrypted connection. Information you provide is used to evaluate your request and is shared with the funding sources we submit it to. See our Privacy Policy.