SBA loans, term loans, equipment financing, lines of credit, investment banking, and more — VM Capital Partners connects your business with the right capital source, fast.
Our Funding Network
We work with a curated network of specialty lenders and service providers — each with their own niche. Select a partner below to explore their programs.
The most common SBA loan — government-backed financing for working capital, debt refinancing, equipment purchases, and more at some of the lowest rates available.
Use SBA financing to purchase or refinance owner-occupied commercial real estate. Long terms, low rates, and manageable monthly payments.
Non-SBA term loans for businesses that need fast access to capital. Fixed-rate financing for growth, inventory, equipment, or consolidating higher-rate debt.
A revolving credit line so you only pay for what you use. Draw and repay as needed for seasonal cash flow, unexpected expenses, or ongoing operational needs.
Disclosure: SmartBiz is a lending marketplace, not a direct lender. Loan products are originated by partner banks. All loans are subject to credit approval and may include origination, packaging, and SBA guarantee fees. Rates shown are representative and may vary based on creditworthiness and lender. VM Capital Partners receives a referral fee for applications completed through this link.
Preferred SBA 7(a) financing for acquisitions, startups, large working capital needs, commercial real estate, or debt consolidation. South End is one of the top SBA lenders nationally.
One of the nation's top equipment lenders. Approvals issued in hours, funding possible same day. Available for most industries and credit profiles — new or used equipment.
No-income-documentation, asset-based CRE financing. No third-party appraisal often required. Most property types eligible. Application-only for qualified borrowers.
Marketplace financing with basic documentation — funded in as little as a few hours. Revolving credit lines let you draw and repay without penalties, managing cash flow on your terms.
Fixed-rate, long-term conventional loans. Fixed for 12 years with low documentation requirements. Use for working capital, debt consolidation, equipment, inventory, or expansion.
One of the few direct lenders to offer financing for cannabis-related businesses — covering real estate, equipment, and working capital needs in legal markets.
Disclosure: South End Capital is a division of Stearns Bank N.A. Financing available for commercial real estate, investment properties, businesses, and hard business assets only. No owner-occupied residential financing. Programs available in all 50 states + DC. All financing subject to approval. VM Capital Partners receives a referral fee for applications completed through this link.
As an SBA Preferred Lender, Newtek can process certain SBA loans with reduced requirements and faster approval — no prior SBA approval needed. One of the highest-volume SBA lenders in the U.S.
Long-term fixed-rate financing for major fixed assets — real estate, land, equipment, or machinery. Also available for debt consolidation and refinancing in certain circumstances.
Non-SBA term loans for established businesses needing larger capital amounts. Fully online application and management through the NewtekOne platform.
Accept electronic payments with competitive rates and cutting-edge processing technology. Reduce processing costs and streamline payment acceptance for your business.
Noncommission-based insurance experts find the right group health coverage for your business and team. Access competitive rates without the conflict of commissioned advice.
Save 60%+ on current IT costs with Newtek Cloud. Add streamlined payroll management — all under one dashboard alongside your lending and merchant services.
Disclosure: NewtekOne, Inc. (NASDAQ: NEWT) is a publicly traded company and SBA Preferred Lender. Newtek Bank, N.A. is a wholly owned subsidiary. All loans subject to credit approval. Business services including merchant processing, payroll, and insurance are provided through NewtekOne subsidiaries. VM Capital Partners receives a referral fee for applications completed through this link.
Guidance through every phase of taking a company public — from readiness assessment and underwriter selection to roadshow preparation and post-listing support.
Raise growth capital through private equity, venture capital, or Reg D offerings. We connect issuers with qualified investors and manage the process from term sheet to close.
Deep sector experience across hospitality, technology, food & beverage, and real estate. Marquee engagements include Hard Rock Hotel & Casino Panama and Ravenswood Winery.
Buy-side and sell-side advisory for mergers, acquisitions, and strategic divestitures. We guide founders and boards through every step of the transaction lifecycle.
Ongoing strategic advisory for growth-stage and established companies. Board advisory, capital structure optimization, investor relations, and expansion planning.
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
Disclosure: Investment banking advisory services are provided through VM Capital Partners, Inc. and its affiliates. Services are subject to applicable securities laws and regulations. Past performance and experience do not guarantee future results. All engagements are subject to executed engagement letters and compliance review.
One call connects you to Rick's full lending and advisory network — SBA loans, equipment financing, investment banking, and more. No banks, no runaround.
Or email: ceo@vmcapital.info
Get in Touch
Whether you're exploring your first business loan, comparing funding options, or need guidance on a complex deal — Rick is here to help.
One call connects you to Rick's full network of lenders and advisors. No 1-800 numbers, no runaround — just straight answers from an experienced advisor.
"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
We typically respond within 1 business day.
Commercial Lending
Ready to fund your next project? Complete the application below and a member of our team will be in touch within one business day.
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