Vita Nova Capital

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About Us

Loan amounts up-to 12 million and rates competitive with the banks. Low requirements and offers within 2 hours. Same day funding if completed before noon!

About Vita Nova Capital

Welcome to Vita Nova Capital, your trusted partner in business financing. Originally established in 2008 as Northpoint Capital, our firm has undergone significant transformation and growth. In 2018, Vita Nova Capital acquired Northpoint, rebranding and revitalizing the company’s mission and vision.

At the helm of Vita Nova Capital is Tim Long, our esteemed CEO. With a career spanning over three decades, Tim has a wealth of experience in the finance sector. He launched his first venture in 1992, a merchant credit card financing company that served over 6,000 clients. After selling this successful business, Tim transitioned into the fintech industry, where he has continued to innovate and lead.

Tim’s expertise extends beyond finance; he is also the Chairman and owner of a Primary Medical Clinic, demonstrating his versatile leadership and commitment to improving various sectors. Under his guidance, Vita Nova Capital has become a beacon for business owners seeking reliable and fair financial solutions.

Our goal at Vita Nova Capital is simple yet profound: to help business owners like you secure the financing you need to thrive. We understand the challenges you face because we are business owners ourselves. This unique perspective drives us to offer financing solutions with fair rates and terms, tailored to meet your specific needs.

Join us at Vita Nova Capital and experience a partnership built on trust, integrity, and a genuine desire to see your business succeed. Let us be the catalyst for your financial growth and stability.

We offer both business term loans and business lines of credit. When you apply with us, you’ll use one application and we’ll evaluate which product best fits your business’s cash flow and funding needs.
Our term loan can offer from $25,000 to $5,000,000 in funding, with term lengths ranging from 12 to 120 months. Our line of credit has a maximum limit of $500,000. A line of credit is a form of revolving credit, so as you pay down your balance, those funds will become available to use again.

To qualify for funding from Vita Nova Capital, your business should have the following characteristics:

  • Minimum one year in business.
  • Minimum of $500,000 in annual revenue.
  • Minimum 625 personal FICO score of the business owner.
  • Business checking account.
When determining eligibility, we’ll perform a soft credit check on the business owner’s personal credit.

Typically, we only require basic information about yourself and your business. We may ask for:

  • Business Tax ID.
  • Last three months of business bank statements.
  • Social Security number of business owner(s).

Our application process is simple and typically takes about 10 minutes. You’ll complete one application, and we’ll evaluate which product is the best fit. You can apply online or over the phone by calling 901-277-1475

We work with more than 700 different kinds of businesses including restaurants, auto repair shops, healthcare professionals, contractors, and many other service providers.

For term loans, your rate will be determined by the health of your business and cash flow. We charge an origination fee of 0% to 6.25% on your loan, and if you renew, you may be eligible for subsequent reductions.

No. If you apply for funding from Vita Nova Capital, there is no obligation to accept the loan offer. Your loan offer is valid for 30 days, at which time it expires.

Vita Nova Capital can deliver decisions in minutes and funding as soon as the same day.

We fund term loans through the Automated Clearinghouse (ACH) system. If you’re approved, the funds will be deposited into your business bank as soon as the same day.

If you’re approved for a line of credit and have an eligible business debit card, instant funding can give you immediate access to your line of credit funds.

We can transfer your funds within seconds or minutes, meaning you don’t need to wait the typical one to two business days it takes for a standard ACH transfer.

You can use instant funding to make draws whenever you need funds — including nights, weekends, and holidays.

Instant funding is available to our line of credit customers with an eligible debit card associated with the business bank account that we have on file.

Sign in to your account to see if you qualify for instant funding.

Instant funding is a funding method that uses a debit card network to process transactions. It usually takes seconds for funds to transfer through the network and reflect in your bank account. Funds are typically available to use immediately but may take up to 30 minutes.

ACH is a standard bank transfer to your verified business checking account. It is subject to standard bank transfer timing and can take one to two business days.

Instant funding transfers money using the debit card network. In order to use it, you will need an active debit card attached to your business checking account.

We don’t support transferring funds to a personal debit card. You need a business debit card associated with the business bank account that we have on file. If you don’t have a debit card for the business bank account, you can still continue to make withdrawals using ACH.

Yes, currently Vita Nova Capital only supports daily draws of $10,000 or less via instant funding. For draws of more than $10,000 please use ACH.

Keep in mind your bank may have its own daily, weekly, or other transfer restrictions on push-to-debit transfers as well. (A push-to-debit transfer is the payment technology that makes instant funding possible.)

Vita Nova Capital will normally deduct payments from your business bank account on a monthly basis. However we are flexible and can deduct payments on a daily, weekly, bi-weekly or monthly basis, whichever works best for your specific situation.

As a Vita Nova Capital customer, you’ll have access to an online account where you can monitor your loan and payment activity.