How it works
A clear path from need to funded
No confusing jargon, no endless bank visits. Three straightforward steps, with an independent broker in your corner the whole way.
Tell us what you need
Share a few details about your business and the funding you are after — a short form or a phone call is all it takes. We will ask the handful of questions that actually shape a lender match, not for a stack of paperwork.
- Your business and what it does
- What the funding will be used for
- Approximate amount and timing
We match you to lenders
We review your situation and shop your deal across our national panel of banks, funds, and specialty lenders. Because we are independent, lenders come to us with their real terms — and you see the strongest offers, not just one bank's answer.
- One application, many lenders considered
- We compare rates, terms, and structure
- You get clear options with honest guidance
You choose and close
Review your options with us, pick the fit that works for your business, and move through closing with a specialist in your corner. From there, the funding is deployed and you get back to growing.
- Only accept what genuinely fits
- We support you through closing
- Funds deployed, business moves forward
Skip the guesswork
Start with a two-minute request — free, with no obligation.
Common questions
Straight answers, up front
What does it cost to work with you?
Submitting a request is free and there is no obligation. When you move forward with a funded loan, the broker fee is typically paid by the lender as part of the transaction — you will always see fees and terms clearly before you agree to anything.
What credit situations do you work with?
Every deal is different. Our lender panel includes banks, funds, and specialty lenders, so we regularly place financing for businesses that a single traditional bank would decline. Tell us your situation and we will tell you honestly what is realistic.
How fast can a business get funded?
It depends on the loan type and documentation. Many working capital and equipment transactions fund within days to a couple of weeks; larger commercial real estate and acquisition deals typically take longer. We will give you a realistic timeline up front.
Do you only work in Atlanta?
No. We are headquartered in Atlanta, but we serve businesses in all 50 states. Lending programs vary by state and deal type — tell us where the business is and we will match it to the programs that apply.
What do you NOT finance?
Residential. We focus exclusively on commercial financing — business, investment, and commercial real estate deals. Consumer mortgages and personal loans are outside of what we do.
Do I need to show tax returns to qualify?
Many of the lenders we work with underwrite on Debt Service Coverage Ratio (DSCR) instead of relying on credit score and tax history — they want to confirm the loan can actually be repaid. For most deals you do not have to show tax returns: lenders check bank statements to see the real cash flow, and that evidence can qualify a borrower a traditional bank would turn away. Tell us your situation and we will match you to the lenders whose underwriting fits it.
Still have questions? Call (800) 484-4418 — a real person answers, or email vanguardvisionary@gmail.com.
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