TVT Capital vusiness loan review: Rates & more

Founded in 2012, TVT Capital has positioned itself as a flexible alternative lender for small and mid-sized businesses across the U.S. The company specializes in non-bank financing solutions, including bridge loans, merchant cash advances, asset-based lending, and other tailored options that serve businesses often underserved by traditional institutions.

What sets TVT apart is its focus on speed, accessibility, and customization. Offering both first and second lien lending, TVT works with companies in all 50 states, delivering capital with minimal documentation and fast turnaround times, often within just a few days.

We’ll break down TVT Capital’s product range, interest rates, eligibility criteria, and application process. We’ll also explore how it compares to other lenders and how a platform like Swoop can help you assess your options with confidence.

An overview of TVT Capital business loans

TVT Capital is best known for structuring flexible, short-term funding solutions for middle-market businesses, often stepping in when banks or senior lenders can’t meet a borrower’s full capital needs. With loan terms ranging from 3 to 24 months, TVT’s offerings are designed to help bridge cash flow gaps, fund expansion, or capitalize on time-sensitive opportunities.

Here’s a closer look at their main loan categories.

Unsecured business loans

TVT offers unsecured revenue-based financing, ideal for businesses that need fast capital without offering up collateral. These include merchant cash advances and short-term working capital loans structured around your business’s monthly revenue.

Key features:

No collateral required
Approval based on monthly revenue (typically $75K+)
Funding from $25,000 to $5 million
Credit score requirements are minimal, in many cases, none at all
Terms from 3 to 24 months

These unsecured products are often approved in under 24 hours, with funds arriving shortly after, making them an attractive solution for businesses that need quick access to cash without the traditional underwriting process.

Secured business loans

For businesses seeking larger amounts or more structured deals, TVT provides secured loans, including first and second lien bridge loans, equipment financing, and commercial real estate loans.

Highlights include:

Loans from $250,000 to $25 million
Suitable for high-growth or special situation financing
Can complement existing credit facilities (e.g., second lien behind a senior lender
Often used for acquisitions, refinancing, or short-term liquidity
Covenant-light structures with flexible repayment terms

TVT is one of few non-bank lenders that specializes in second lien lending, making it a go-to option for businesses with a current senior loan that need additional capital.

Government-backed financing and SBA mentions

TVT Capital references being a preferred SBA lender, but public information on its SBA loan offerings is limited. It’s unclear whether TVT originates SBA 7(a) or 504 loans directly, or partners with SBA lenders to facilitate these deals.

If SBA financing is part of your strategy, you may want to consult with TVT directly or work through a broker like Swoop, which can assess SBA eligibility across multiple lenders, including those with clearer government-backed options.

Additional funding products

TVT Capital offers a variety of specialty financing solutions that can serve businesses with more complex needs:

Purchase order financing
Accounts receivable financing
Asset-based lending (ABL)
Inventory financing
Commercial equipment leasing

These solutions can help unlock cash tied up in supply chains, incoming invoices, or operational equipment, especially useful for companies experiencing rapid growth or seasonal fluctuations.

What is TVT Capital's typical interest rate

TVT Capital does not publicly disclose its full range of interest rates or pricing structures. Rates can vary significantly based on loan type, collateral, revenue, and overall risk profile.

That said, here’s what we do know:

Revenue-based advances and unsecured loans often use factor rates, which can range from 1.15 to 1.45
Secured loans and second lien facilities may carry monthly interest-based pricing, though exact APRs are not listed
Higher-risk or shorter-term products may come with elevated costs, typical of alternative lending

Due to the customized nature of TVT’s loans, businesses are encouraged to request a tailored quote based on their financials.

How much can I borrow with a TVT Capital business loan?

TVT Capital funds a wide range of deal sizes, depending on the loan product and your business profile.

Loan Type	Minimum Amount	Maximum Amount
Unsecured Advances / MCAs	$25,000	$5,000,000
Bridge Loans (Secured)	$250,000	$25,000,000
ABL / PO / AR Financing	~$250,000	Varies
Equipment Leasing	Varies	Varies

In some cases, TVT may fund up to $25 million, especially when structuring second-lien facilities or complex bridge loans.

What is the acceptance rate for a TVT Capital business loan?

TVT claims to approve 90% of qualified applicants, which is well above industry average. This high approval rate is likely due to their:

Flexible underwriting
Minimal reliance on credit scores
Revenue-focused approach
Willingness to work with businesses in special situations

Borrowers with at least $75K in monthly revenue and 3 or more months in business are most likely to qualify.

Eligibility criteria and whether you qualify

TVT’s eligibility requirements are designed to be more inclusive than traditional lenders. Here’s what they generally look for:

Requirement	Details
Time in business	Minimum 3 months
Credit score	No minimum for most products
Monthly revenue	At least $75,000/month
Collateral	Not required for unsecured loans
Industries	Most accepted (hospitality, retail, medical, etc.)

TVT’s flexibility makes them a strong choice for younger businesses or those unable to qualify for bank loans.

Additional information:

A few operational and logistical details can help set expectations before applying.

Early repayment fees

TVT does not explicitly disclose early repayment fees. However, for revenue-based or factor rate loans, early repayment may not result in savings. You often repay the full agreed amount regardless of timing. For interest-based loans, early payoff terms may vary.

How long does it take to get approved?

TVT’s application and review process is fast:

Approvals in under 24 hours are common
Minimal documentation is required to get started
High approval rate for qualified applicants

Estimated time to receive funds

Funding can be delivered within a few business days of approval, depending on the complexity of the loan and any due diligence required.

Can a loan be repaid early?

Yes, early repayment is typically allowed. However, depending on the structure (e.g., factor rate), repaying early might not reduce your total cost. Confirm repayment terms with your loan specialist during the underwriting process.

Is security required?

Not for all products. TVT offers both secured and unsecured financing:

No collateral is needed for MCAs or revenue-based advances
Secured products (bridge loans, ABL, CRE loans) require business assets or liens
Personal guarantees may be requested in some cases

What documentation is required

TVT keeps paperwork light, especially for smaller loans, but you should be ready to provide some standard documents.

Business information

Legal business name and structure
EIN and business address
Basic company financials or summaries

Business owner information

Government-issued ID
Social Security Number (for soft credit check)
Ownership and role in the company

Funding requirement

Purpose of funds
Loan amount requested
Supporting docs (e.g., AR reports, purchase orders, vendor quotes) for specialty products

How to apply for a TVT Capital business loan

Applying with TVT is simple and fast, one of the core benefits of their process.

Is the application process different from other lenders?

Yes, in a few key ways:

No hard credit pull upfront
No tax returns required for most loans
Simple web form with minimal fields
Fast approval, often within 24 hours

How to improve your chances of getting funded

To boost your approval odds:

Show consistent monthly revenue ($75K or more)
Be transparent about your funding use
Have basic documentation ready
Work with a broker like Swoop to match you with the right product

Pros & cons of a TVT Capital business loan

Like any lender, TVT has its strengths and potential limitations.

Pros

Very high approval rate (90% for qualified businesses)
Accepts younger businesses (3 or more months in operation)
No credit score minimum for most products
Large loan amounts available (up to $25M)
Secured and unsecured options
Speedy approvals within 24 hours, funding in days

Cons

Interest rates and fees are not publicly disclosed
No borrower portal or loan management tools mentioned
Factor rate loans may be expensive if repaid early
Limited transparency around government-backed loans

Alternative funding options for different lenders

If you’re comparing lenders like TVT, you might also want to explore:

Lender	Best for	Key Traits
Triton Capital	Short-term funding	$10K–$250K loans, fast approvals
SMB Compass	Larger SBA and CRE loans	Focus on high-revenue borrowers
Credibly	Lower credit borrowers	Wide range of working capital loans
Taycor Financial	Equipment financing	Also offers SBA and lease options

Each lender has its own strengths. Using a comparison platform can help surface the best match for your business needs.

Why use a finance broker?

TVT Capital is a strong lender, but it’s only one option in a crowded marketplace. A finance broker like Swoop helps you:

Compare dozens of lenders side by side
Check eligibility without impacting your credit
Access more flexible or lower-cost offers
Save time with one application across multiple lenders

Get started with Swoop’s business funding platform

Whether TVT Capital seems like a match or you’re still weighing your options, it’s worth seeing how it stacks up against other lenders in the market.

With Swoop, you don’t need to chase down dozens of applications or second-guess your eligibility. Our platform simplifies the search, matches you with tailored offers, and helps you find the right fit based on your business goals, credit profile, and funding needs.

If you’re ready to explore what’s out there and take the next step in growing your business, Swoop makes it simple to get started. It only takes a few minutes to see your funding options, and it won’t impact your credit score.

Your next stage of growth could be one smart decision away. Let’s find the right funding for you, apply with Swoop today.

TVT Capital business loan review: Interest rates, eligibility, and the application process