Line of Credit
Flexible capital you draw on only when you need it. Pay interest on what you use — never on what you don't.
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Funding $10K – $10M
Capital for your business, approved in hours — not weeks.
Blue Vault Capital gives small and growing businesses fast, transparent access to working capital. Approval in as little as 4 hours. Funding in 24. No hidden fees, no fine-print games.
- No obligation
- Soft-pull options
- Apply in minutes
$10MMax funding amount
4 hrsFastest approval
24 hrsTo money in the bank
$0Hidden fees, ever
Financing solutions
One partner for every stage of growth
Whatever the goal — smoothing cash flow, buying equipment, or consolidating debt — we structure the funding around your business, not the other way around.
Real Estate Secured Loans
Unlock larger amounts at stronger terms by leveraging the property your business already owns.
Get started →Equipment Financing
Upgrade machinery, vehicles, or technology now and spread the cost over the life of the asset.
Get started →Term Loans
A lump sum with clear, fixed payments — the simplest way to fund a defined project or expansion.
Get started →Debt Consolidation
Roll multiple high-cost balances into one predictable payment and free up monthly cash flow.
Get started →Home Equity (HELOC)
Tap your home's equity through our lending partners — fixed-rate, 100% online, and funded in as few as 5 days.
Learn more →Not sure which fits?
Tell us your goal and we'll recommend the right structure — usually within a single phone call.
Talk to an advisor
Why Blue Vault
Built for speed. Designed for trust.
Traditional lenders move slowly and bury the cost in fine print. We do the opposite: a quick online application, a real human reviewing it, and a clear answer — fast.
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Lightning-fast decisions
Approvals in as little as 4 hours and funding within 24 — so you never miss an opportunity.
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Total transparency
No hidden fees, no surprise terms. The number we quote is the number you get.
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Flexible by design
From $10K to $10M across five products — structured to match your cash flow, not a rigid template.
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Real people, real support
A dedicated advisor guides you end to end — by phone, not a chatbot.
How it works
From application to funded in three simple steps
01
Apply online
Complete a short, secure application in minutes. Minimal paperwork — just the essentials about your business.
02
Get approved
A specialist reviews your file and returns a clear offer — often within 4 hours, with terms spelled out plainly.
03
Get funded
Accept your offer and we wire the capital — frequently the same day, and within 24 hours at the latest.
The Vault Standard
Six promises we put in writing
Every Blue Vault file is handled the same way, whether you need $10K or $10M. If we don't live up to these, call us out.
Terms you can read
Total cost, payment amount and term on one page, in plain English, before you sign anything.
A real decision, fast
A specialist reviews your file and comes back with an answer, often the same business day.
No upfront fees
You never pay to apply, to get an offer, or to talk to an advisor.
Your data stays locked
Statements are encrypted in transit and at rest, and shared only with the funders reviewing your file.
One advisor, start to finish
The person who takes your call is the person who gets you funded. No hand-offs.
No pressure to accept
Every offer is no-obligation. Walk away, ask questions, or come back when the timing is right.
Ready to put capital to work?
See what you pre-qualify for in minutes. It won't affect your plans — or your credit, with our soft-pull options.
How much can my business qualify for?
Funding ranges from $10,000 to $10 million. The amount you qualify for depends on factors like revenue, time in business, and the product you choose. The fastest way to find out is to apply — it takes just a few minutes.
How fast can I actually get funded?
Approvals come back in as little as 4 hours, and funds are typically wired within 24 hours of accepting your offer — often the same day.
Are there any hidden fees?
No. Transparency is the whole point. The terms and costs we quote are exactly what you'll see — no surprise charges buried in the fine print.
Will applying hurt my credit?
Checking your options can be done with a soft pull that doesn't impact your credit score. We'll always be clear before any step that would.
What do I need to apply?
Just the basics: some information about your business, how much you're looking for, and how to reach you. A specialist will follow up if anything else is needed.
Contact us
Let's talk about your goals
Tell us a little about your business and we'll get back to you fast — usually the same business day.
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Phone+1 (800) 555-0199