Velocity Capital Group
Velocity Capital Group is a U.S. direct funder providing same-day Merchant Cash Advances and revenue-based financing up to $2 million to small businesses across 20+ industries, distributed via a self-serve website and a national ISO/broker partner network.
- Company typePrivate
- Founded2018
- HeadquartersCedarhurst, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Velocity Capital Group does
Velocity Capital Group (VCG) is a U.S.-based, direct-to-consumer alternative financing platform founded in 2018 by Jay Avigdor and headquartered in Cedarhurst, New York. The company provides Merchant Cash Advances (MCAs) and revenue-based financing to small businesses, offering same-day working capital up to $2 million in exchange for a contracted share of future receivables. Underwriting is documented-light — applicants need three months of bank statements, a minimum of $20,000 in monthly revenue, and a 500+ FICO score — and approvals are positioned as occurring within hours with funds disbursed the same day. The platform supports flexible repayment through its 'VCG Custom Weekly' product, allowing merchants to split weekly remittances across chosen days, and reaches borrowers through both a self-serve website and a national ISO/broker partner channel with API-enabled onboarding.
VCG operates a dual GTM: a direct-to-consumer website flow (24/7 online application, prominent 'Apply for Funding' CTAs) and a separate ISO/broker platform targeting Independent Sales Organizations with 15-minute partner sign-up, 1-hour approvals, and commission-based deal referral. Revenue mechanics are transaction-fee based on factor-rate spreads over the advance term, with repayment collected via daily or weekly automated debits as a percentage of business receivables. Capital sources to date include a $50,000 founder angel round, a 2018 $5 million Series A plus a $10 million line of credit, and a 2022 $50 million multi-draw credit facility from Arena Investors, LP. The company is founder-controlled (Jay Avigdor remains President & CEO), operates as a private LLC with no disclosed institutional PE/VC ownership, and counts 100+ staff, 25,000+ clients served cumulatively, and $750M+ facilitated since inception. The April 2026 appointment of a Director of Financial Operations & Capital Markets signals an institutionalizing trajectory toward potential securitization-based funding.
Velocity Capital Group firmographics
Firmographics- Name
- Velocity Capital Group
- Legal name
- Velocity Capital Group
- Website
- https://velocitycg.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Velocity Capital Group is a U.S. direct funder providing same-day Merchant Cash Advances and revenue-based financing up to $2 million to small businesses across 20+ industries, distributed via a self-serve website and a national ISO/broker partner network.
- Ownership category
- akta.pro rank
Velocity Capital Group industry classification
Industry- Product category
- Alternative Small Business Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Venture Growth / Recurring Revenue Credit Funds (FSANAIAG)
Keywords
Where Velocity Capital Group is headquartered
LocationHeadquarters
- HQ city
- Cedarhurst
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Velocity Capital Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Merchant Cash Advance (MCA): Velocity Capital Group provides merchant cash advances to small businesses in exchange for future receivables. The company purchases a fixed amount of the business's future receivables over an agreed-upon time period. Repayment is made through daily or weekly automatic debits based on a percentage of the business's revenue. This model allows businesses to access capital quickly without traditional credit score requirements or collateral.
- Revenue-Based Financing: Near-instant capital available to businesses with minimum $20,000 monthly revenue and 500+ FICO score. Funding up to $2 million with repayment tied to business revenue performance. The lender takes an agreed-upon percentage of receivables until the advance is repaid.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard MCA funding up to $2 million |
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing with flexible terms |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Velocity Capital Group product offering
Product offeringCore offering
Velocity Capital Group is a direct funder of Merchant Cash Advances (Revenue-Based Financing) providing U.S. small businesses with same-day working capital up to $2 million in exchange for a percentage of future receivables. The funding is repaid via automated daily or weekly debits based on business revenue, requires only 3 months of bank statements, $20,000+ monthly revenue, and a 500+ FICO score, and is delivered through a direct website channel plus an ISO/broker partner network.
Product overview
Velocity Capital Group operates as a direct funding platform providing revenue-based financing (also known as Merchant Cash Advances or MCA) to small businesses across the United States. The core product is the Revenue-Based Financing/Merchant Cash Advance, which provides same-day working capital up to $2 million in exchange for future receivables. This is supported by VCG Custom Weekly, a flexible payment distribution option, and an ISO/Broker Platform for channel partners. The company also offers a Referral Program for lead generation partners. The product suite is designed for speed (same-day funding, 1-hour approvals) and serves diverse industries including healthcare, restaurants, construction, retail, and more.
Differentiator
Problem solved
Functional benefit
Products and services
- Revenue-Based Financing (Merchant Cash Advance) Velocity Capital Group's primary product: same-day working capital up to $2 million advanced to small businesses in exchange for a fixed amount of future receivables, repaid via automatic daily or weekly debits based on a percentage of the business's revenue. Underwriting requires 3+ months of bank statements, $20,000+ monthly revenue, and a 500+ FICO score; no collateral is required.
- VCG Custom Weekly Flexible repayment option that lets merchants distribute their weekly payment across chosen days (Monday through Friday) with custom pull amounts on each day, while maintaining the total weekly remittance amount. Designed for SMBs whose cash flows are uneven across the week.
- ISO/Broker Platform A partner-facing platform that lets ISOs and brokers submit deals, receive 1-hour approvals, and fund same-day with VCG as the direct funder. Includes 15-minute partner sign-up, an API-accessible modern funding engine, and dedicated ISO relations support.
- Referral Program A commission-based lead referral program where partners submit prospects through a simple online form (name, email, phone, company) and VCG runs the funding process; the referrer earns a commission on each successfully funded deal.
Quantifiable outcome
- Same-day funding capability
- +5 more outcomes
Companies that use Velocity Capital Group
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles2 records
Velocity Capital Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Velocity Capital Group partnerships and signals
Strategic signalScale indicators8 records
Recent moves7 records
Expansion highlights6 records
Velocity Capital Group competitors and assessment
Company assessmentDirect peers
- OnDeck Capital (Enova International): Online small-business lender offering short-term working capital and MCAs to SMBs; same target customer, same speed-of-funding value proposition as VCG.
- BlueVine: Fintech providing working capital, lines of credit, and invoice factoring to SMBs; directly comparable product set and SMB customer profile.
- CAN Capital: Long-standing direct MCA funder serving U.S. SMBs with same revenue-based financing product and broker/ISO distribution model.
- Credibly: Direct alternative lender offering MCAs and working capital loans to SMBs, distributed through ISO/broker partners; very similar GTM and product mix to VCG.
- National Funding: Alternative SMB funder providing MCAs and small business loans; competes head-to-head with VCG in same speed-led, sub-prime-friendly positioning.
- Forward Financing: Revenue-based financing provider to U.S. SMBs using receivables purchases; directly comparable product economics and target borrower segment.
- Biz2Credit: SMB lending marketplace and direct funder offering MCAs, term loans, and lines of credit; overlaps with VCG's SMB customer base and ISO distribution.
- Kapitus (formerly Strategic Funding Source): Direct alternative SMB funder offering MCAs, revenue-based financing, and small business loans through ISO/broker channels; directly comparable product and distribution model.
Emerging players
- Fundbox: SMB working-capital platform offering short-term advances and lines of credit; comparable to VCG's revenue-based financing but typically serves higher-quality SMB borrowers via online application.
- Lendio: SMB loan marketplace aggregating multiple funders including MCA providers; overlaps with VCG's SMB target market and is a potential ISO/broker partner or competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Velocity Capital Group social profiles
Digital presenceVelocity Capital Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Velocity Capital Group leadership team
Management profileNumber of profiles
Profiles4 records
Velocity Capital Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Velocity Capital Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Velocity Capital Group
What does Velocity Capital Group do?
Velocity Capital Group is a direct funder of Merchant Cash Advances (Revenue-Based Financing) providing U.S. small businesses with same-day working capital up to $2 million in exchange for a percentage of future receivables. The funding is repaid via automated daily or weekly debits based on business revenue, requires only 3 months of bank statements, $20,000+ monthly revenue, and a 500+ FICO score, and is delivered through a direct website channel plus an ISO/broker partner network.
Is Velocity Capital Group a public or private company?
Velocity Capital Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Velocity Capital Group founded?
Velocity Capital Group was founded in 2018. It employs 101 to 250 people.
Where is Velocity Capital Group based?
Velocity Capital Group is headquartered in Cedarhurst, United States, in the North America region.
How does Velocity Capital Group make money?
Two revenue lines are on record. Merchant Cash Advance (MCA) is the primary driver. The others are revenue-Based Financing.
Who are Velocity Capital Group's main competitors?
Direct peers on record are OnDeck Capital (Enova International), BlueVine, CAN Capital, Credibly, National Funding, Forward Financing, Biz2Credit and Kapitus (formerly Strategic Funding Source). Emerging players are Fundbox and Lendio.
Does Velocity Capital Group have an API?
No public API is recorded for Velocity Capital Group.
What industry is Velocity Capital Group in?
Velocity Capital Group's product category is Alternative Small Business Lending. Its primary akta.pro industry code is FSANAIAG, Venture Growth / Recurring Revenue Credit Funds. Its NAICS code is 52222 and its SIC code is 6153.