Business Solutions

Your business deserves capital that understands it.
Not just finances it.

Touch of Vintage LLC's commercial division was created for entrepreneurs, business owners, and established businesses in Florida that need real working capital — without traditional banking bureaucracy. Three products designed for three distinct moments in your business lifecycle. Digital process. Agile decisions. Capital that arrives when you need it.

No banking license requiredCompetitive APR ≥18%100% DigitalDecision in 24–48 hrsEnglish & Spanish
Our Commercial Products

Business loans for real entrepreneurs in Florida

Three products designed for three distinct stages of your business lifecycle.

Operational Boost
Product 05
First Commercial Loan — Business Loan
"The capital your business needs to stand firm from day one."
Who is it for?

Designed for businesses in their first stage of external financing — those needing capital to stabilize operations, cover payroll, restock inventory, or strengthen the foundation they'll grow from.

PayrollInventoryEquipmentWorking capitalSuppliersUrgent repairs
  • ·Working capital for day-to-day operations
  • ·Payment structure adapted to business cash flow
  • ·Evaluation based on business potential, not just credit history
  • ·Digital process with decision in 24 to 48 hours
  • ·Access to Strategic Expansion upon completing first cycle
  • ·Contract available in English and Spanish
Apply for Operational Boost →
Strategic Expansion
Product 06
Growth & Expansion — Business Loan
"Because there are moments when the business has outgrown where it is."
Who is it for?

For businesses with proven traction that are ready to take the next leap — opening a second location, moving to a larger space, acquiring major equipment, or entering a new market.

Second locationLarger spaceMajor equipmentNew marketRenovationFranchise
  • ·Larger capital for real growth projects
  • ·Broader terms adapted to medium-term projects
  • ·Evaluation based on projected cash flow and prior performance
  • ·Preferential access for clients with Touch of Vintage history
  • ·Advisory support on the expansion's financial structure
  • ·Available in English and Spanish
I want to expand →
Financial Backing
Product 07
Available Credit Line — Business Credit Line
"Capital available when you need it — without waiting for the moment to pass."
Who is it for?

For businesses that know what it means to run out of liquidity at the worst moment. A pre-approved credit line you activate when a project, opportunity, or urgent need arises that can't wait for a new application process.

Urgent purchaseCash flow gapUnexpected contractOperational emergencyPeak season
  • ·Pre-approved credit line available immediately
  • ·Activate only what you need — pay interest only on what's used
  • ·Disbursement within 24 hours of activation
  • ·Line renews automatically once the balance is cleared
  • ·Available exclusively to active Touch of Vintage clients
  • ·No new application process required on each activation
Activate my line →
Our Identity

Who we are

Vision

To be the leading microfinance institution in the State of Florida — recognized for redefining the sector through the fusion of advanced risk architecture and exceptional human treatment. A model where profitability and purpose are inseparable drivers.

Our vision is not a wish — it is an operational goal with a defined date, structure, and direction.

Mission

To protect and multiply our investors' assets through non-negotiable operational discipline, while providing our clients with empathetic, clear, and accessible credit solutions that act as a real bridge toward their economic progress.

Two commitments. One standard: irreducible.

Reason for Being

Touch of Vintage does not only exist to lend money. It exists so that those who trust us go further than they would on their own — in both personal finance and commercial growth, always under the same principle.

The client is not a transaction. They are a relationship.
The Two Pillars

Our dual commitment

For our investors

Operational discipline, financial transparency, and a sustained return that protects and multiplies their assets.

For our clients

Empathetic, clear, and accessible credit solutions that act as a real bridge toward their economic success.

Our Values

T.O.U.C.H.

These values are not decorative declarations — they are operational criteria. Every decision, every product, and every client interaction is evaluated against them.

T

Transparency

In every process, every contract, and every decision. No fine print, no surprises. What is said is what is done — always.

O

Opportunity

Individual and real. We believe every person deserves an open door, regardless of where their story comes from or what their credit history looks like today.

U

Universality

Education and innovation for all people. Finance is not exclusive territory — it is a right that Touch of Vintage democratizes.

C

Commitment

To long-term financial relationships. We are not just a loan — we are the beginning of a journey. Every client who chooses us starts a path, not a transaction.

H

Honesty

As the foundation of all trust. We tell the truth even when it's not the answer a client wants to hear. A solid financial relationship can only be built on real facts.

“Touch of Vintage doesn't just lend money.
It builds trust, drives purpose, and anchors progress where it's needed most.”

Touch of Vintage LLC · Florida · Licensed under Chapter 516 & 687

Legal Disclosure – Commercial Loans

Commercial loans offered by Touch of Vintage LLC are governed under Florida Statutes Chapter 687 (Interest and Usury) with an Annual Percentage Rate (APR) of up to 17.99%. Commercial loans with rates equal to or below 18% APR do not require a license under Florida Statutes Chapter 516. All commercial products are available exclusively to commercial entities or individuals acting in a commercial capacity, not as consumers. Financial Backing is available exclusively to active clients in good standing with Touch of Vintage LLC. All commercial products are subject to business eligibility evaluation, applicant identity verification, and internal approval. Terms, amounts, and conditions are provided in writing prior to signing the contract. Touch of Vintage LLC does not offer tax, legal, or accounting advice. Applicants are encouraged to consult a qualified professional before entering into any financial obligation.