Big Loans.
Best Terms.
Faster Approvals.
Sourced By VFC.
Commercial · Real Estate · Private Capital
VFC sources financing and private lending solutions for medium-to-large business and real estate transactions— commercial, SBA, bridge, equipment, and private capital. We shop every deal across our network of top providers, ensure clients receive the best available terms and rates, and handle the financial documentation required to clear approval.
Our clients don’t walk into banks alone with a stack of documents. VFC walks in with them — with the financials prepared, the loan packaged correctly, and access to a panel of lenders actively competing for the business. Faster approvals. Better terms. Cleaner closings.
Very Few Firms In America
Financing Sourced Through The VFC Lender Network.
VFC is one of the only firms in Americathat pairs strategic financial planning with active loan sourcing and packagingfor medium-to-large deals. Most planners refer financing to a banker. We coordinate the entire process— prepare the financials, shop the loan, negotiate the terms, and stay in the loop through closing.
Capital For Medium-To-Large Transactions.
VFC sources financing across the categories most often needed by business owners and real estate investors. If your deal is the right size and the structure makes sense, we can shop it across our network.
Commercial Real Estate
Acquisition and refinance financing for office, retail, industrial, multifamily, and mixed-use properties. Fixed-rate and adjustable structures.
Use Case: Acquisitions, Refi, Cash-OutSBA 7(a) & 504 Loans
Federally backed financing for business acquisition, owner-occupied real estate, and major capital expenditure. Favorable terms for qualifying businesses.
Use Case: Business Purchase, Owner-OccupiedBridge & Short-Term
Fast-close financing when timing matters — gap financing, acquisition bridges, value-add real estate, and recapitalization scenarios.
Use Case: Fast Close, Value-Add, GapPrivate Capital & Debt Funds
Non-bank lending solutions through institutional private credit. Often available when traditional banks decline or require restrictive terms.
Use Case: When Banks Say NoEquipment & Asset Financing
Equipment loans, leases, and asset-backed financing for operational expansion, fleet acquisition, and major equipment purchases.
Use Case: Equipment, Fleet, MachineryBusiness Expansion Capital
Working-capital lines, term loans, and growth financing for operating businesses scaling revenue or entering new markets.
Use Case: Expansion, Working CapitalWe Shop The Loan. You Get The Best Terms.
VFC doesn’t represent one lender. We represent you.Every deal goes through a competitive sourcing process across our lender network — which is exactly how we secure rates and terms that aren’t available when you walk in alone.
The process starts with preparing your financials correctly— tax returns, P&Ls, balance sheets, debt schedules, and supporting documentation packaged the way lenders want to see them. This step alone moves deals from declinedto approvedmore often than any other intervention.
From there, we shop the deal across commercial banks, SBA lenders, private credit funds, and specialty lenders— soliciting term sheets from multiple sources simultaneously. With competing offers in hand, we negotiate the structure: rate, term, amortization, prepayment, covenants, and personal guarantee scope.
The right loan isn’t the lowest headline rate. It’s the one with the right structure for your situation— and that’s what comes out of a competitive sourcing process run by people who understand both sides of the table.
What Shopping The Deal Actually Looks Like
Better Terms. Faster Approvals. Cleaner Closings.
Different Situations. Different Loans. Same Coordinated Sourcing Process.
Two real VFC engagements that illustrate how the work changes shape depending on the client’s situation. The first was about reversing prior declines. The second was about engineering a smarter structure than any single lender offered.
$3M Expansion Loan. Two Prior Declines. Approved Through VFC In Seven Days.
The client owns a regional services business approaching a major expansion opportunity. They needed $3M to acquire a competitor, integrate the operation, and fund the working capital needed for the combined business. They’d already been declined by their existing bank and a regional lender they’d been referred to.
The issue wasn’t the business. The financials were strong— consistent revenue growth, healthy margins, low existing debt. The issue was how the package had been presented to the prior lenders. The tax returns hadn’t been reconciled against the internal financials cleanly, the personal guarantee scope hadn’t been framed correctly, and the projections for the combined entity hadn’t been built out to the standard a senior credit officer expects to see.
VFC rebuilt the financial package end-to-end: tax-return reconciliation, combined pro-forma financials, integration roadmap, debt-service coverage modeling, and a properly structured term-sheet request. The deal was then shopped across four lenders in our network simultaneously. Three returned competitive term sheets within five business days.The final structure closed at favorable terms with a tier-one commercial bank.
Total time from VFC engagement to approval: seven days.The capital deployed on schedule, the acquisition closed, integration ran cleanly, and the combined business is now generating significantly higher revenue and EBITDA than either entity produced separately. This is what proper loan packaging combined with active sourcing across competing lenders looks like.
Approved
Reversed
To Approval
Term Sheets
$1.5M Manufacturing Expansion. Hybrid SBA + Asset-Backed Structure. Lower Blended Cost Than Any Single Lender Offered.
The client owns a mid-sized regional manufacturer that needed $1.5M to acquire new CNC equipment and expand inventoryto fulfill a major upcoming contract. Profitable business, healthy growth trajectory, clean balance sheet. The client’s primary bank had already approved them — but the terms weren’t right for the business.
The bank had offered $1.5M at 10.25% on a five-year fully amortizing term loan. On paper, the deal was done. In practice, the monthly debt service would have consumed nearly half of the operating cash flow during the expansion ramp — precisely when the business needed working capital most. An approval at the wrong structure is still the wrong outcome.
VFC’s analysis identified the core issue: bundling equipment and inventory into a single term loan was the wrong structure entirely. The CNC equipment had a 20-year useful life and deserved long-duration financing. The inventory needs were revolving and deserved a line that could scale with stock levels. Two completely different durations and risk profiles were being forced into one inflexible product because that’s what the bank had on the shelf.
VFC restructured the entire financing into a coordinated hybrid: a $900K SBA 504 loan for the equipment at 6.85% amortized over 20 years, paired with a $600K asset-backed revolving line for inventory at 7.25% that scales with stock levels. The blended cost came in materially lower than the bank’s single-product offer, the monthly debt service was cut nearly in half, and the working capital was preserved through the entire expansion ramp. The contract was fulfilled, revenue scaled cleanly, and the business absorbed the new capital without strain.
Deployed
Improved
Service Cut
Lender Sources
Financing Touches Every Other Practice.
The Integrated Practice
Where major financing decisions sit inside the broader coordinated wealth strategy.
Strategic Tax PlanningTax-Optimized Financing
Interest deductibility, entity structure, and the tax layer underneath every loan decision.
Premium FinancingInsurance-Backed Lending
Specialty financing for large premium-financed life insurance contracts.
Financial PlanningCash Flow & Debt Strategy
How financing decisions integrate with the broader financial plan.
Bring The Deal. We’ll Source The Capital.
Whether it’s a business expansion, a real estate acquisition, equipment, or bridge capital — if the deal makes sense, we’ll work to find the right lender at the right terms.