Fees
Performance-based fees.
Placement fees are due only on capital that actually funds. No upfront charges, no win fees on declined files, no percentage printed on a website. The number is on the call, after context.
The Vantage Funding practice
Performance-based capital placement for owners who have earned the line.
Unsecured funding, routed. 0% APR cards, term lines, and credit-union programs, matched to the lender that funds the strongest version of your file. You pay only on capital that actually funds.
Looking for property financing? Real estate lending for investors →File routing · sample profilesRouting
Route0% APR cards
ReadPremium-ready
Window1–4 weeks
Illustrative profiles. Not a credit decision, quote, or underwriting.
$112M+Unsecured capital placed
2,000+Paying clients served
8 yrsPracticing since 2018
1 dayEvery inquiry answered within one business day
The first question
Why should I trust you?
A straight answer to the only question that matters at the top of a funding search. Four commitments the practice has kept on every file since 2018.
Record
$112M placed. 2,000 paying clients. 8 years.
Every figure on this page is a record of files the practice has actually opened and closed since 2018.
Candor
A straight answer in the first conversation.
No phone tree. No sales script. The specialist who picks up reads your inquiry, asks the right questions, and gives you a directional read on the first call: qualified or not, ready or not, fundable now or fundable after a build.
Ownership
One specialist owns your file, start to finish.
The specialist who takes your first call is the same name in your inbox, on your lender calls, and on your closed ledger. No handoffs across teams or time zones.
| On your file | Vantage | Typical funding broker |
|---|---|---|
| Upfront or retainer fees | ✓None. Paid only on funded capital | ✕Often charged before any lender sees the file |
| Fees on declined files | ✓Never | ✕Common under "success" structures |
| Hard inquiries before a plan | ✓Inquiries mapped with you before any submission | ✕Shotgun applications across lenders |
| Who works your file | ✓One dedicated specialist, start to finish | ✕Intake rep, then a processing team |
| When a lender declines | ✓Rerouted to the next best-fit lender | ✕File closed or resold |
What gets placed
Three instruments. No collateral.
Unsecured capital is priced against your credit profile and verifiable income, not an asset a lender can seize. No lien on real estate, no blanket UCC on equipment.
0% APR business cards
Introductory-rate card capital placed across issuers in a planned sequence, so each approval strengthens the next instead of competing with it.
CollateralNone
Best forWorking capital, launches, inventory
Typical readPremium-ready files
How a file moves
Weeks, not months.
The order matters. Inquiries are mapped before anything is submitted, and a decline at the top of the routing ladder is data, not a verdict.
1
Send the file
Short inquiry or the four-question readiness check. No credit pull.
Day 02
Directional read
Your specialist calls back with a straight read: Premium-ready, Match-ready, or Build-first.
≤ 1 business day3
Map the inquiries
Lender order and inquiry impact planned with you before a single application goes out.
First call4
Route and submit
Applications go to the lenders that fund the strongest version of your file, in sequence.
Weeks 1–45
Fund or reroute
Capital lands and the fee applies only to what funded. A decline reroutes to the next best fit.
CloseSingle-round placement1–4 weeks
Most placements complete inside this window.
wk 0wk 4wk 8wk 13
Multi-round build · Path F-tier90 days
Longer by design, for files that are fundable after a build.
wk 0wk 4wk 8wk 13
Diagnostic
Funding Readiness Score.
Four questions. A directional read on where your file lands today, before you commit to a lender application. No credit pull and no hard inquiry.
Direct line
Send the file. Or pick a time.
A specialist reads every inquiry and responds within one business day with a directional read or a follow-up question.
FAQ
What most clients ask first.
Anything else is a call away. The specialist who answers is the one who works your file.
What is unsecured funding?
Capital a lender extends without collateral: no lien on real estate, no blanket UCC against equipment. The advance is priced against the strength of your credit profile and verifiable income, not an asset the lender can seize. Most placements are 0% APR cards, term lines, or credit-union programs.
Does the readiness check do a credit pull?
No. The readiness check on this page is questionnaire-based and creates no inquiry on your bureau. Lender applications do create hard inquiries, which we map with you on the call so the file is in order before any submission goes out.
What's the timeline?
Weeks, not months. Most single-round placements complete inside one to four weeks. Multi-round builds (Path F-tier 90-day programs) run longer by design. Your specialist lays out the realistic timeline on the call after reading the file.
What does it cost?
Performance-based. Placement fees are due only on capital that actually funds, not on declined files, applications submitted, or rounds in progress. Specifics are covered on the call. We do not publish percentages online.
What if I get declined?
The practice reroutes to alternate lenders. A decline at the top of the routing ladder tells us where the file's strengths land against that lender's criteria, and which lender along the route is the better match for the next round.
What qualifies?
Generally: 700+ personal credit, verifiable income, and a clean lending history (under four inquiries in the last 24 months, no recent default). Files that don't hit those marks aren't declined. They're routed to a build-first conversation before any lender receives an application.
For funding advisors
A lender-ready plan for each client in about five minutes.
FundSolve builds the routing plan you'd build by hand. Use two plans free, then choose a paid allowance when your pipeline grows.
One conversation. One direction. One specialist on the file.
Call or text 407-716-4914, or request a window and we'll call you.