Technology
The systems behind a two-hour decision
Vertex Capital runs on infrastructure we built ourselves — intake, underwriting, contracts, and servicing in one connected system. That's why a decision takes hours instead of a week, and why a broker never has to chase us to find out where a deal stands.
What’s under the hood
Built for speed, without skipping the underwriting
Statement analysis that reads like an underwriter
Our underwriting separates true third-party sales from internal transfers, factoring advances, and payroll-funding flows — so the revenue we underwrite is the revenue that’s actually there. Fewer surprises for you, fewer bad calls by us.
A live broker portal
Partners see deal status, offers, open stips, and commissions in real time instead of emailing for an update and waiting on a callback.
One connected system
Intake, underwriting, contract generation, and servicing share the same record, so nothing gets re-keyed, lost, or contradicted between steps.
Verification inside the pipeline
Business, identity, and lien checks run as part of underwriting rather than as a separate manual chase after the fact.
What it means in practice
For merchants: fewer document requests and a straight answer the same day. For brokers: fewer stips, live status on every submission, and commissions you can actually see.
Put it to work on a live deal
Submit an application and see the turnaround for yourself.