Financial Advisory & Capital Solutions

Your Personal
Business Advisor
in Your Corner

VM Capital Partners connects individuals and corporations with the right capital, insurance, and investment solutions — putting your interests first, every time.

30+
Years in Finance
$500K
Max Business Loan
26%
Fixed Index Annuity, Yr 1
Business Loans Fixed Index Annuities SBA Loans Investment Banking Equipment Financing Group Health Insurance
Builder Finance
Merchant Processing Real Estate Lending Foreign National Loans Business Loans Fixed Index Annuities SBA Loans Investment Banking Equipment Financing Group Health Insurance
Builder Finance
Merchant Processing Real Estate Lending Foreign National Loans

Complete Financial Solutions
for Every Stage of Growth

$

Commercial Funding

SBA loans, term loans, equipment financing, and credit lines up to $500K. Pre-qualify in 5 minutes with no impact to your credit score.

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Investment Banking

Public and private stock offerings, capital raises, and corporate advisory. Our team has participated in landmark IPOs since 1996, including Google and Overstock.com.

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Personal Insurance

Life, health, dental, and group insurance solutions tailored to individuals and families. Get instant quotes on the coverage that fits your life.

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Annuities

Fixed Index Annuities offering up to 26% in the first year with full principal protection. Access to unique and niche products unavailable through most advisors.

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Builder & Construction Finance

Credit lines and specialized financing for builders and construction companies. The best option for project success from ground-up to completion.

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Real Estate Lending

Blanket and portfolio loans, Foreign National DSCR, multi-unit, bridge loans, and non-QM bank statement programs for 1–4 unit to commercial properties.

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Business Solutions

One-stop platform for merchant processing, IT consulting, group health insurance, and banking — everything your business needs under one roof.

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Ready to Finance Your Dreams?
Let's Find the Right Solution.

Protect & Grow Your Wealth
with Smart Annuity Solutions

VM Insurance Group offers access to premier Fixed Index Annuities — delivering market-linked growth potential with full principal protection. Whether you're planning for retirement or seeking a tax-advantaged savings vehicle, we'll match you with the right product.

26%
Potential gain in Year One
0%
Downside market risk
100%
Principal protection
Tax‑Def
Tax-deferred growth
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Fixed Index Annuities

Earn interest linked to a market index (e.g. S&P 500) without direct market exposure. Your principal is protected — you never lose due to index declines.

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Principal Protection

Unlike variable annuities, Fixed Index Annuities guarantee your original investment. Sleep soundly knowing market downturns cannot erode your nest egg.

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Niche & Specialty Products

Through our partnership with Cadbury Financial Group and VM Insurance Group, we access products unavailable through most advisors — including high-cap and uncapped strategies.

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Agent & Advisor Partnerships

Life and annuity agents are welcome. We offer a collaborative platform with competitive compensation and access to a deep product shelf for your clients.

View Annuity Products Explore Cadbury Financial Group ↗ Annuity products are subject to carrier approval and suitability review.

We Work for You,
Not the Banks

VM Capital Partners is a boutique financial advisory firm dedicated to putting clients first. Every project is unique, and we tailor solutions to match your goals — whether you're an individual, a growing business, or a corporation.

With access to a curated network of high-touch, high-tech business partners, we deliver solutions that larger institutions simply can't offer. From SBA loans to investment banking to niche insurance products, we find what fits.

Founded and led by Rick Cabezas, CEO — with deep roots in capital markets dating back to 1996 — VM Capital Partners brings institutional knowledge with a personal advisor's touch.

"Every project is unique, with its own set of requirements. We help you find the best solution to fulfill your goals."

— Rick Cabezas, CEO, VM Capital Partners

Notable Investment Banking Experience

  • Andover.net & DLJ Direct IPOs
  • Overstock.com & Google public offerings
  • Ravenswood Winery, Nogatech
  • Hard Rock Hotel & Casino, Panama
  • Private advisory for 10+ growth companies

Trusted Partners,
Exceptional Access

We've built relationships with best-in-class lenders and platforms so you don't have to. One call connects you to all of them.

SmartBiz Loans
Business loans up to $500K. Pre-qualify in 5 minutes.
Apply Online →
South End Capital
Direct real estate lending, SBA, equipment & fast capital.
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Newtek One
Commercial loans, health insurance, IT & merchant processing.
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IceCap Funding
Blanket, portfolio & Foreign National DSCR loans.
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Ardri
Non-QM & bank statement loans for foreign nationals.
Apply Online →
Cadbury Financial Group
Platform for annuity agents & wealth managers. Niche products.
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VM Insurance Group
Fixed index annuities — up to 26% in year one. Life & annuity agents welcome.
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Velocity Mortgage
Small-balance investment property financing, 1–4 unit to commercial.
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Contact Us
Have a question? Reach out directly and we'll get back to you within one business day.
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Apply for Commercial Loan
Ready to fund your next project? Start your commercial loan application here.
Apply Now →

Apply for a Commercial Loan

Ready to move forward? Complete our commercial loan application below and a member of our team will be in touch within one business day.

By submitting this application, I certify that all information provided is true and accurate to the best of my knowledge. I authorize VM Capital Partners to verify the information provided and to obtain credit reports as necessary in connection with this application.
✓ Application submitted successfully! A member of our team will contact you within one business day.
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Let's Talk About
Your Goals

Reach Rick Cabezas directly

Whether you're looking for your first business loan, exploring annuity options, or seeking capital for a major project — we're here to help you navigate it with confidence.

We typically respond within 1 business day.