Direct lending solutions for every stage of your business journey — from working capital to major expansion.
What We Offer
As a direct lender, Viking Financial Services offers a comprehensive suite of funding solutions — each designed to address a specific business need with speed, transparency, and flexibility.
Working capital is the lifeblood of any business. Whether you're covering payroll during a slow season, managing unexpected expenses, bridging cash flow gaps, or funding a strategic initiative, Viking's working capital loans give you the flexibility to act decisively.
Our working capital loans are structured around your business's actual cash flow — not a generic formula. We evaluate your revenue history, business trajectory, and specific needs to design a repayment structure that works with your operations, not against them.
Equipment financing allows you to purchase or lease the machinery, technology, vehicles, or tools your business needs — without depleting your working capital reserves. The equipment itself typically serves as collateral, which means more favorable terms and higher approval rates.
Viking works with businesses in construction, healthcare, manufacturing, transportation, restaurants, and more. Whether you need a single piece of equipment or an entire fleet, we can structure a financing solution that preserves your cash and builds your capacity.
Revenue-based financing is a flexible alternative to traditional term loans. Instead of fixed monthly payments, repayment is structured as a percentage of your ongoing business revenue. When business is strong, you pay more and retire the balance faster. When revenue dips, your payments naturally decrease.
This product is ideal for businesses with strong, consistent revenue who want the flexibility to manage cash flow without the rigidity of a conventional loan structure. Viking designs each revenue-based financing agreement around your actual revenue patterns.
Invoice financing converts your outstanding accounts receivable into immediate working capital. Instead of waiting 60, 90, or even 120 days for clients to pay, Viking advances you a significant percentage of the invoice value upfront — so you can keep operating without interruption.
This product is especially valuable for B2B businesses, staffing companies, contractors, and service providers who routinely carry large receivables. Invoice financing doesn't add debt to your balance sheet — it accelerates cash you've already earned.
A business line of credit from Viking gives you a revolving credit facility you can draw from whenever you need it. You only pay interest on the amount you've drawn — not your entire credit limit. As you repay, your available credit replenishes automatically.
Lines of credit are the ideal financial tool for businesses that need ongoing flexibility. Use it for unexpected expenses, supplier payments, payroll smoothing, or opportunistic purchases. It's like a financial safety net that you control.
Whether you're acquiring a new facility, refinancing an existing property, or funding renovations, Viking's commercial real estate financing provides the capital and expertise to help you build a permanent foundation for your business.
We finance owner-occupied commercial properties, investment properties, mixed-use buildings, and construction projects. Our in-house underwriting means we can move faster than traditional banks and offer terms tailored to your specific property and business situation.
Do You Qualify?
Viking Financial Services works with businesses across a wide spectrum of industries and credit profiles. Our in-house underwriting means we evaluate the full picture of your business — not just a credit score.
The best way to find out is to apply. Our application takes less than 5 minutes and there is no commitment required to receive an offer. We'll review your profile and let you know exactly what you qualify for — no pressure, no runaround.
If we can't help you directly, we'll tell you who can. That's the Viking promise.
Apply in 5 MinutesIndustries We Serve
Viking Financial Services has funded businesses in nearly every industry. Whether you're in professional services or heavy manufacturing, we have a solution designed for you.
Apply today and receive a tailored funding offer with no commitment required. Fast, transparent, direct.
Start Your Application