VitalCap Fund
VitalCap Fund is a New York-based private merchant cash advance provider founded in 2014 that originates same-day working capital for small and medium-sized businesses, distributes through an ISO partner network, and operates dedicated portals for ISOs and investor/syndicators.
- Company typePrivate
- Founded2014
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What VitalCap Fund does
VitalCap Fund, legally organized as Emerald Group Holdings, LLC, is a New York-based private merchant cash advance (MCA) provider founded in 2014 that originates working capital advances to small and medium-sized businesses. The company operates a three-pillar product surface: (1) a core MCA origination platform offering same-day funding with offers typically delivered within 30 minutes; (2) an ISO Partner Portal through which Independent Sales Organizations upload deals, receive notifications, revise terms, track funding status, and manage commissions; and (3) an Investor/Syndicator Portal enabling outside investors to participate as syndiators in MCA portfolios with 24/7 access and transparent deal tracking. The underlying technology is a web-based lending portal with deal management, underwriting, and commission-tracking capabilities, hosted via a third-party lendtech login environment.
VitalCap generates revenue through interest and fees on funded merchant cash advances (transaction-fee model), while paying commissions to its ISO distribution partners (buy-rates starting at 1.10, with 100% payouts on renewals and aggressive upsell commissions). The company is co-founded and led by Dan Eisen (CFO), Liz Kelleher (Head of Underwriting), Ron Hizkiyahu (CRO), and Lawrence Khatskelevich (Investor Relations), supported by a small management team including a VP of Sales, Senior Underwriter, Head of Operations, Head of IT, and Data Operations Manager. Since inception, VitalCap has funded 3,000+ businesses and originated $100MM+ in deals, and holds a BBB A+ rating and 4.8-star Google review rating.
The go-to-market model relies on a distributed ISO partner network as the primary origination channel, supplemented by direct merchant outreach for working-capital financing. Customer segments include SMB merchants seeking working capital, ISOs originating deals in exchange for commissions, and a secondary segment of investors/syndicators participating in deal funding. Pricing is quote-based, varying by merchant risk profile, with terms up to 12 months and daily, weekly, or variable ACH repayment options.
VitalCap Fund firmographics
Firmographics- Name
- VitalCap Fund
- Legal name
- Emerald Group Holdings, LLC
- Website
- https://vitalcapfund.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- VitalCap Fund is a New York-based private merchant cash advance provider founded in 2014 that originates same-day working capital for small and medium-sized businesses, distributes through an ISO partner network, and operates dedicated portals for ISOs and investor/syndicators.
- Ownership category
- akta.pro rank
VitalCap Fund industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Other Investment Pools and Funds (5259)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), Private Credit & Direct Lending Fundraising Placement (FSAEALAE)
Keywords
Where VitalCap Fund is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
VitalCap Fund business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Merchant Cash Advance Origination: VitalCap provides working capital loans to small and medium-sized businesses in exchange for a share of future receivables. Revenue is generated through interest and fees on the funded advances.
- ISO Commissions: VitalCap pays commissions to Independent Sales Organizations who bring merchant deals, with 100% payouts on renewals and aggressive commissions on upsells.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Buy-rates starting at 1.10 |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
VitalCap Fund product offering
Product offeringCore offering
VitalCap Fund is a direct lender that provides merchant cash advances and working capital to small and medium-sized businesses, purchasing a share of future receivables in exchange for upfront funding. The company operates a proprietary online portal through which Independent Sales Organizations (ISOs) upload deals, receive offers, track funding status, and manage commissions. It also runs an investor/syndicator portal that allows outside investors to participate in funding deals with transparent tracking and instant withdrawals.
Product overview
VitalCap Fund is a unified small business funding platform that provides merchant cash advance and working capital solutions. The core platform is supported by two key portals: the ISO Partner Portal (for independent sales organizations to manage deals, underwriting, and commissions) and the Investor/Syndicator Portal (for investors to participate in funding opportunities). Together, these components create an end-to-end ecosystem connecting merchants seeking capital with ISOs and investors.
Differentiator
Problem solved
Functional benefit
Products and services
- VitalCap Fund Platform Core merchant cash advance and small business funding platform providing same-day flexible capital to SMBs, with services tailored for ISOs and investors.
- ISO Partner Portal Online portal that enables Independent Sales Organizations to upload deals, receive notifications, revise offers, fund transactions, and track commission payments in a single workflow.
- Investor/Syndicator Portal Investor portal enabling outside investors to participate as active syndicators in merchant cash advance deals, with 24/7 access, instant withdrawals, and transparent deal tracking.
Quantifiable outcome
- Offers within 30 minutes
- +3 more outcomes
Companies that use VitalCap Fund
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
VitalCap Fund technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
VitalCap Fund partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Independent Sales Organizations (ISO) NetworkcoreLarge network of Independent Sales Organizations who originate merchant cash advance deals for VitalCap. ISOs use the company's online portal to upload deals, receive offers, make revisions, track funding status, and manage commission payments. VitalCap provides competitive buy-rates starting at 1.10, up to 12-month terms, and 100% payouts on renewals.
Scale indicators5 records
Recent moves5 records
Expansion highlights3 records
VitalCap Fund competitors and assessment
Company assessmentDirect peers
- Mulligan Funding: Small-business working capital lender providing fast MCA-style financing through partners, a direct competitor to VitalCap.
- Fora Financial: New York-based small-business lender offering working capital and merchant cash advances via ISO partners, a very close match to VitalCap's product and channel.
- Kapitus: New York-based small-business funding provider offering merchant cash advances and working capital through an ISO/partner channel, directly competing with VitalCap's core product and go-to-market.
- National Funding: Offers small-business loans and working capital advances with fast funding, competing in the same alternative SMB finance category.
- Everest Business Funding: Merchant cash advance provider funding SMBs against future receivables via broker channels, directly comparable to VitalCap.
- Credibly: Alternative small-business funder providing working capital and MCA-style advances with rapid approvals, competing for the same SMB borrowers and ISO relationships.
- Rapid Finance: Provides merchant cash advances and small-business loans with fast funding through a broker/ISO network, mirroring VitalCap's speed-based MCA model.
- Forward Financing: Provides fast revenue-based financing / merchant cash advances to underserved small businesses through ISO partners, closely aligned with VitalCap's model.
Others
- Lendio: SMB lending marketplace connecting businesses with funders including MCA providers; adjacent as an origination channel/aggregator rather than a direct balance-sheet competitor.
Broad incumbents
- OnDeck: Large, established online small-business lender (part of Enova) offering term loans and lines of credit; overlaps in the SMB working-capital space but at far greater scale and with a broader product set.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
VitalCap Fund social profiles
Digital presenceVitalCap Fund compliance and trust
Trust signalCompliance1 record
VitalCap Fund financial estimates
Financial estimateRevenue estimate
Valuation estimate
VitalCap Fund leadership team
Management profileNumber of profiles
Profiles9 records
VitalCap Fund funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VitalCap Fund 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 VitalCap Fund
What does VitalCap Fund do?
VitalCap Fund is a direct lender that provides merchant cash advances and working capital to small and medium-sized businesses, purchasing a share of future receivables in exchange for upfront funding. The company operates a proprietary online portal through which Independent Sales Organizations (ISOs) upload deals, receive offers, track funding status, and manage commissions. It also runs an investor/syndicator portal that allows outside investors to participate in funding deals with transparent tracking and instant withdrawals.
Is VitalCap Fund a public or private company?
VitalCap Fund is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was VitalCap Fund founded?
VitalCap Fund was founded in 2014. It employs 1 to 10 people.
Where is VitalCap Fund based?
VitalCap Fund is headquartered in New York, United States, in the North America region.
How does VitalCap Fund make money?
Two revenue lines are on record. Merchant Cash Advance Origination is the primary driver. The others are ISO Commissions.
Who are VitalCap Fund's main competitors?
Direct peers on record are Mulligan Funding, Fora Financial, Kapitus, National Funding, Everest Business Funding, Credibly, Rapid Finance and Forward Financing. Lendio is listed as an others. OnDeck is listed as a broad incumbent.
Does VitalCap Fund have an API?
No public API is recorded for VitalCap Fund.
What industry is VitalCap Fund in?
VitalCap Fund's product category is Alternative Lending. Its primary akta.pro industry code is FSANADAJ, Large-Cap / Sponsor Finance Direct Lending, with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 5259 and its SIC code is 6199.