Commercial Finance · Florida

Capital that moves at the speed of the job.

Invoice factoring, construction loans, and commercial mortgages for the businesses that build, haul, and staff Florida — underwritten by people who've run those businesses themselves.

Get Funded Compare Programs
95%Max invoice advance
24hTypical factoring funding
3Financing programs
$0Application fees
Funded

Invoice Purchase

TS-2041

Freight invoice · Net-30 shipper

Invoice amount$18,400.00
Advance (95%)$17,480.00
Time to wire4h 12m
New debt created$0
Illustrative example. Advance rates and fees vary by industry and customer credit. Factoring details →

Three Programs

One lender for the whole life of your business

Working capital today, project financing tomorrow, and permanent debt when you're ready to own. Start anywhere — graduate to the next program without re-introducing yourself.

Working Capital

Invoice Factoring

Sell your unpaid B2B invoices and get cash the same week — no new debt, no fixed limit, no waiting on net-30/60/90 terms.

  • Advances up to 95% of invoice value
  • Funding typically within 24 hours of verification
  • Free credit checks on your customers
  • Facility grows with your sales, not a fixed limit
  • No long-term contract required
Best for: trucking & freight, staffing agencies, construction subcontractors, collision repair shops, and B2B suppliers on slow-pay terms.
Fund My Invoices
Project Financing

Construction Loans

Ground-up and heavy-renovation financing for builders, developers, and owner-builders — with a draw process run by people who've sat on your side of it.

  • Up to 80% loan-to-cost
  • Ground-up, value-add, and spec builds
  • Interest-only during construction
  • Milestone draws with fast inspections
  • Budget review by construction operators
Best for: residential and commercial builders, developers, and GCs who need a lender that reads a schedule of values fluently.
Finance My Project
Permanent Debt

Commercial Mortgages

Purchase and refinance loans for warehouses, retail, mixed-use, and investment property — underwritten on the property's cash flow.

  • Up to 75% loan-to-value
  • DSCR-based underwriting from 1.20x
  • Purchase, refinance, and cash-out
  • Owner-occupied and investor property
  • Construction-to-perm takeouts
Best for: operators buying their building, investors refinancing stabilized property, and builders rolling a completed project into long-term debt.
Get a Mortgage Quote

Who We Fund

Built for businesses that wait to get paid

Our factoring programs are tuned to how each industry actually invoices, verifies, and collects — and we service clients in English, Portuguese, and Spanish.

Trucking & Freight

Same-day funding on rate confirmations and freight bills, so a slow-paying broker never parks a truck. Fuel advances available.

EN · PT · ES servicing

Staffing Agencies

Payroll funding timed to your pay cycle and backed by client invoices — make every Friday automatic, even as headcount grows.

Weekly funding cadence

Construction Subcontractors

Progress-billing and pay-app funding for subs and suppliers who can't float a GC's pay-when-paid cycle. We speak AIA billing.

Pay-app fluent

Collision & Auto Repair

Advance against insurer receivables instead of waiting weeks on carrier payment cycles to restock parts and pay techs.

Insurer receivables

Importers & Distributors

Free the cash tied up in delivered goods so you can place the next order sooner — with customer credit vetted before you ship.

Customer credit checks

General B2B Services

If you invoice creditworthy businesses on terms, you can factor. Stop letting net-60 dictate when you can grow.

Net-30/60/90 terms

Straight Answers

Which program fits right now?

Most clients start with factoring and graduate into project and property financing. Here's the honest comparison.

 Invoice FactoringConstruction LoanCommercial Mortgage
What it fundsUnpaid B2B invoicesBuild & renovation budgetsProperty purchase or refi
Creates debt?No — invoice saleYes — short-termYes — long-term
Speed to funding~24 hours2–4 weeks3–6 weeks
Sizing driverYour customers' creditProject cost & experienceProperty cash flow (DSCR)
Typical advance80–95% of invoiceUp to 80% LTCUp to 75% LTV
Repaid byYour customer's paymentSale or refinanceMonthly amortization

How It Works

From application to funded, without the runaround

The same four gates for every program — only the paperwork behind them changes.

Apply

A short application plus your invoices, project budget, or property financials. No application fee.

Decision in 24–48h

Verify

We confirm the invoice with your customer, review the budget, or order the appraisal — and tell you exactly what we see.

Full transparency

Fund

Wire or ACH for factoring advances; scheduled closings and milestone draws for loans and mortgages.

Factoring in ~24h

Grow

Your facility scales with your receivables, your next project, or your next property — no re-introductions needed.

One relationship

Why VW Finance

Underwritten by operators, not just analysts

VW Finance was built by a team that runs construction, logistics, and real estate businesses — the same industries we fund. We've submitted the pay apps, waited on the brokers, and carried the payroll. That's why our underwriting starts with how your business actually works.

  • We read your paperwork natively. Schedules of values, rate confirmations, timesheet batches, insurer estimates — no explaining your industry to your lender.
  • Trilingual servicing. Your account team works in English, Portuguese, and Spanish — documents, verification calls, and support.
  • Cross-border perspective. Operating experience across the U.S. and Canada, with financing built for Florida businesses.
  • One relationship, three programs. Factor receivables today, finance a build next year, and refinance into a mortgage when it stabilizes.

Operating Credentials

$50M+Construction delivered by our operating team
2Countries of operating experience (US & Canada)
3Languages of client servicing
4+Industries where we operate, not just lend

Questions

Asked before every deal

Is factoring a loan?

No. Factoring is the sale of your invoices at a small discount. You receive most of the invoice value up front, we collect from your customer, and you get the remainder minus our fee when they pay. It adds no debt to your balance sheet.

What does factoring cost?

Fees depend on your industry, invoice volume, your customers' credit quality, and how long invoices take to pay. We quote a clear rate up front with no application fee and no hidden charges — you'll see the full cost before you commit to anything.

Will my customers know I'm factoring?

Typically yes — invoices are paid to a new remittance address and we verify delivered work with your customer. Factoring is standard practice in trucking, staffing, and construction; handled professionally, it reads as a sign you're growing, not struggling.

How do construction loan draws work?

Funds are released against completed milestones on your schedule of values. You submit a draw request, we inspect quickly, and funds are wired. Because our team comes from construction, draw reviews focus on real progress — not paperwork theater.

What do you need for a commercial mortgage?

Property financials (rent roll and operating statements or your business financials if owner-occupied), a purchase contract or payoff statement, and standard entity documents. We underwrite primarily on the property's debt-service coverage.

Do you only fund Florida businesses?

Florida is home base and our core market. If you operate elsewhere in the U.S., reach out — factoring clients in our core industries are considered case by case.

Tell us what you're funding.

Invoices, a build, or a building — send the basics and a real person responds within one business day. No application fee, no obligation.

(305) 527-5326  ·  (305) 904-5751
[email protected]
11555 Heron Bay Blvd, Ste 200, Coral Springs, FL 33076

Start an Application Call (305) 527-5326