VSP use cases · Local business · SBA lending
Contractor financing without applying all over town.
Trucks, equipment, materials and payroll all come before the customer pays. VSP learns what your contracting business needs, then finds the lenders whose rules you already fit.
SBA lending from VSP
Free to your business
Lenders pay us when a loan funds. You never pay us a fee.
- One call
- Quick ranges
- Lenders that fit
- You choose
The problem
What usually goes wrong.
Big jobs, small cash
You can't take on the job without materials money.
Equipment to replace
A broken machine stops work.
Bank said no
One lender's rules don't fit you.
How VSP does it
Contractor financing, step by step.
- 01
One call
What you need, how much and how soon.
- 02
Quick ranges
Revenue, credit range, open loans and time in business.
- 03
Lenders that fit
Working capital, equipment financing, lines of credit or SBA loans.
- 04
You choose
Compare offers, or walk away.
Why VSP stays narrow
One job, done deeply, with a person on it.
Getting approved depends a lot on which lender you ask. Each lender has its own rules. We focus on matching you to the ones whose rules you already fit.
Every VSP service has a real person on top of the AI. They set it up, check the work and answer to you.
Backed by research
The findings behind it.
Under half
of small firms that applied for financing got the full amount they asked for, in the Federal Reserve's recent surveys. Federal Reserve Small Business Credit Survey
Lender matters
The same Fed survey shows approval rates differ a lot between small banks, large banks, online lenders and others. Federal Reserve Small Business Credit Survey
Sources
Contractor financing: common questions
Can I use my EIN to get a business loan?
Many lenders look at both the business and the owner. An EIN alone usually isn't enough for a new business. VSP helps you find lenders whose rules fit your history.
What financing options do contractors have?
Equipment financing, working capital loans, lines of credit, invoice financing and SBA loans.
Is this customer financing for my clients?
No. VSP helps your business find funding for itself.
Does VSP charge me?
No. The lender pays us if your loan funds.
Contractor financing, handled by VSP.
Bring your situation to a short call. We will tell you honestly if this is the right fit.