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FAQs

Find answers to frequently asked questions.
Products
Application
Funding
Repayment
Account
Term Loan Customers
Line of Credit Customers

Products

What financing options does Virtuous Funding provide?
We offer business term loans and business lines of credit. A single application allows our team to review your information and determine which option aligns best with your company’s needs.
Term Loans: $5,000 – $400,000, with repayment terms up to 24 months. Line of Credit: Up to $200,000. This is a revolving facility, meaning as you repay drawn amounts, those funds become available again for future use.
Virtuous Funding term loans are secured by a general lien on business assets and supported by a personal guarantee. No specific collateral or property appraisal is required. Lines of credit may be unsecured, depending on your business qualifications.

Application

What are the requirements to qualify for financing with Virtuous Funding?
Typical eligibility criteria include: Minimum of one year in business Minimum annual revenue of $100,000 Personal credit score of 625 or higher Active business checking account
No. We conduct a soft credit inquiry to evaluate your options, which does not affect your credit score.
You will need basic information about your business and ownership, including: Business Tax ID Most recent three months of business bank statements Social Security number of owner(s)
Our online application is straightforward and takes only a short time to complete. After submission, we assess your information, determine the most suitable funding option, and guide you through the next steps.
We support over 700 industries, including restaurants, healthcare practices, contractors, and many others. Certain restricted industries may not be eligible.
Rates vary based on your business profile and cash flow. An origination fee ranging from 0–4% may apply, depending on the offer.
No. Submitting an application does not require you to accept any offer. Approved offers remain valid for 30 days.

Funding

What does repayment look like?
After approval and electronic signing of your agreement, funds are distributed according to the terms outlined in your contract. Your advisor will explain the process and expected timeline.
With a term loan, the approved amount is deposited into your business bank account, and repayment follows the agreed schedule.
You may draw funds up to your approved credit limit as needed. As payments are made, your available credit increases accordingly.

Repayment

What products does Virtous Funding offer?
Repayment terms depend on whether you select a term loan or line of credit. Payments are automatically withdrawn from your business bank account based on your established schedule.
Early payoff options may be available, subject to the terms outlined in your agreement.

Account

How do I log in to view my account?
You can access your online client portal to review balances, payment history, and other account details.
Yes. Please contact your funding advisor to update your bank details securely.
Once your loan is fully satisfied, email Virtuous Funding Customer Support with a written request for the UCC release.

Term Loan Customers

What products does Virtous Funding offer?

Ream Advance provides both term financing and business lines of credit. You fill out one application, and we match you with the best product for your cash flow and growth needs.

Ream Advance provides both term financing and business lines of credit. You fill out one application, and we match you with the best product for your cash flow and growth needs.

Ream Advance provides both term financing and business lines of credit. You fill out one application, and we match you with the best product for your cash flow and growth needs.

Ream Advance provides both term financing and business lines of credit. You fill out one application, and we match you with the best product for your cash flow and growth needs.

Line of Credit Customers

What should line of credit customers know?
You have access to your approved credit limit and can request funds as needed. As balances are repaid, credit becomes available again.
Your online portal displays your available credit, outstanding balance, and payment history. Your advisor is also available for guidance or questions.

Small Business Loan

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© 2026 Virtous Funding. All Rights Reserved.

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