What We Are
Velho Capital (operating at VelhoCapital.com) is an independent marketing firm and lead generation service. We are not a bank, credit union, lender, broker, or financial advisor.
Our business model is built on connecting individuals and business owners who are seeking funding with third-party financial institutions and lenders who may be able to fulfill those funding needs.
Plain language: We are a matchmaker between borrowers and lenders. We get paid when we make a successful introduction. We have no role in the actual lending process after that introduction is made.
How We Are Compensated
Velho Capital receives financial compensation from our lending partners. This compensation may take several forms:
- Cost Per Lead (CPL): We receive a flat fee when we deliver a qualified lead to a lending partner, regardless of whether that lead results in a funded loan.
- Cost Per Funded Loan: Some partners pay us a commission only when a loan is successfully funded.
- Revenue Share: In some arrangements, we receive a percentage of the loan origination fee or lender revenue.
This compensation influences which lending partners we feature, how prominently they are presented, and which partners we route specific types of leads to. However, our routing logic is also designed to match your profile with the lender most likely to approve and fund your request.
⚠️ Important: The fact that we receive compensation from lending partners means there is an inherent financial incentive in our recommendations. We encourage you to independently research any lender before submitting a full application or accepting a loan offer.
Our Lending Partners
We work with a network of 75+ lending partners. The following are among our primary partners whose products and services are featured on this Site:
A business loan marketplace connecting small business owners with 75+ lenders. Velho Capital may receive compensation when business leads are submitted to Lendio.
A lead aggregation network for personal lending products. Velho Capital participates in their publisher network and may receive compensation per accepted lead.
A business financing marketplace offering various business loan products. Velho Capital may receive referral compensation for qualified business leads.
A business credit building platform. Velho Capital may receive compensation for referring business owners seeking to establish or improve their business credit profile.
A small business lending platform offering lines of credit and working capital. Velho Capital may receive referral compensation for qualified business leads.
This list is not exhaustive. We may work with additional lending partners not listed here. All partner relationships involve potential compensation to Velho Capital.
FTC Disclosure
Federal Trade Commission Compliance Notice
In accordance with the Federal Trade Commission's guidelines concerning the use of endorsements and testimonials in advertising (16 C.F.R. Part 255), Velho Capital discloses the following:
Material Connection: Velho Capital has a material financial connection with the lending partners featured on this website. We receive monetary compensation when visitors submit lead forms and are matched with our lending partners.
Endorsements: Any testimonials, success stories, or case studies featured on this Site represent individual experiences and results. Results are not typical and are not a guarantee of future performance.
Advertising: Some content on this Site may be considered advertising for our lending partners. We clearly identify sponsored content where applicable.
We Are Not a Lender
Velho Capital is not a lender and does not participate in any lending decisions. Specifically:
- We do not review or evaluate loan applications
- We do not approve or deny loan requests
- We do not determine interest rates, fees, or loan terms
- We do not fund, service, or collect on any loans
- We are not responsible for any loan agreement between you and a lending partner
- We cannot influence a lending partner's decision about your application
Once your information is submitted through our form and transmitted to a lending partner, all subsequent interactions regarding your funding request are between you and that lending partner directly.
Not Financial or Legal Advice
Nothing on this Site constitutes financial advice, legal advice, tax advice, or investment advice. The information provided is for general informational and educational purposes only.
Before taking on any debt or entering into any financial agreement, we strongly encourage you to:
- Consult with a licensed financial advisor about your specific situation
- Review all loan documents carefully before signing
- Understand the total cost of borrowing, including all fees and interest
- Consider whether the loan is affordable given your current income and expenses
- Consult with a licensed attorney if you have legal questions about any loan agreement
Rates & Terms Disclaimer
Any loan amounts, interest rates, Annual Percentage Rates (APRs), fees, repayment terms, or funding timelines mentioned on this Site are examples only and are not guaranteed.
Actual loan terms depend on many factors determined solely by the lending partner, including:
- Your credit history and score
- Your income and debt-to-income ratio
- The purpose and amount of the loan
- Your employment and residential status
- The lending partner's current underwriting guidelines
- Applicable state laws and regulations
Not all applicants will qualify for the lowest rates or the highest loan amounts. Always review the specific terms of any loan offer you receive.
Credit Impact
Velho Capital's qualification form does not result in a hard inquiry on your credit report. We use soft pull technology where applicable to pre-qualify you without affecting your credit score.
However, please be aware that:
- When you proceed with a full application through a lending partner, they may perform a hard credit inquiry
- Hard inquiries may temporarily lower your credit score
- Multiple hard inquiries within a short period may have a cumulative negative effect
- Different lending partners have different credit inquiry policies — review their terms before applying
State Availability
Not all loan products or lending partners are available in all states. Loan availability, terms, and conditions vary by state due to applicable state laws and regulations.
Residents of certain states may have additional rights or protections under state consumer lending laws. We encourage you to familiarize yourself with the lending laws applicable in your state of residence.
This Site is intended for use by U.S. residents only. We do not facilitate loans for residents outside of the United States.
Testimonials & Success Stories Disclaimer
Customer testimonials and success stories featured on this Site are provided for illustrative purposes. Please note:
- Results are not typical and individual results will vary
- Past performance is not indicative of future results
- Testimonials may be edited for length and clarity
- Featured loan amounts, rates, and timelines represent specific individual experiences and are not guaranteed
- The individuals featured may or may not be compensated for their testimonials
Your actual experience and loan terms will depend on your unique financial profile and the lending partner's criteria at the time of your application.
Contact Us
If you have questions about our affiliate relationships, compensation practices, or any of the disclosures on this page, please contact us:
Velho Capital — Compliance Team
📧 Email: [email protected]
🌐 Website: VelhoCapital.com
📍 Los Angeles, California, United States
We are committed to full transparency. We will respond to all compliance inquiries within 15 business days.