Funding Secrets The Banks Don't Want You To Know In 2026

Jan 26, 2026

Jay Avigdor, founder and CEO of Velocity Capital Group who built a revenue-based finance firm from near-bankruptcy to funding thousands of businesses. He explains revenue-based financing vs MCA, rapid three-hour funding with low credit, AI underwriting, how he scaled from $17.25 to a billion in career sales, and the culture and capital strategies that keep growth sustainable.

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INSIGHT

Banks Turn Down Most Small Businesses

Jay says 94% of small businesses get turned down by banks and approvals take months.
Velocity focuses on speed, funding from submission to payout in hours instead of months.

ADVICE

Support Merchants Beyond Funding

Invest in a retention and support function to help merchants beyond funding, including marketing and collections.
Provide perks and resources so clients succeed and can repay, reducing defaults and increasing loyalty.

ADVICE

Protect Reputation With Team And Tech

Build internal teams to protect reputation, speed, and tech quality as you scale.
Invest in tech, operations, and reputation to sustain rapid funding and client trust.

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This episode was sponsored by Velocity Capital Group

LightSpeed VT: https://www.lightspeedvt.com/

Dropping Bombs Podcast: https://www.droppingbombs.com/

This Dropping Bombs episode features Jay Avigdor, who turned $17.25 into a $1 billion revenue-based finance empire. As founder and CEO of Velocity Capital Group, Jay refinanced his home, bet everything, and built a company that's funded 15,000+ businesses—approving deals in hours while banks take months or reject 94% of applicants outright.

Jay breaks down the difference between predatory MCA loans and legitimate revenue-based financing, reveals how to get funded in three hours with credit as low as 525, and shares the mindset shift that separates entrepreneurs who win from those who plateau.

Whether you need fast capital to scale or want the blueprint for betting on yourself when you have nothing left to lose, this episode delivers the truth about business funding, reputation, and building an empire from rock bottom.

🔗 Connect with Jay Avigdor

Instagram: https://www.instagram.com/jayavigdor

TikTok: https://www.tiktok.com/@jay_avigdor

YouTube: https://www.youtube.com/@JayAvigdor

Website: https://www.velocitycg.com/

Watch the full-length video version of any Dropping Bombs episode here on YouTube.

Brad Lea is a self-made entrepreneur who turned small-town grit into a multi-million-dollar empire. With over 25 years dominating sales and leadership, he's mentored thousands to outsmart, outwork, and out win their competition. His top-rated podcast, Dropping Bombs, brings raw, game-changing insights from the biggest names in business.

LightSpeed VT is Brad's brainchild—the world's leading interactive training platform. It's built to make your team sharper, faster, and more effective, without wasting time or money. Whether you're a startup or a Fortune 500, LightSpeed VT is how you scale success and dominate your industry. Curious? Check it out:

https://www.lightspeedvt.com/

Brad's also behind Closer School, the go-to program for mastering sales and closing deals like a pro. Want to 10x your income? This is where you start. His book, The Hard Way, lays out the brutal, honest lessons he learned building his empire—your blueprint to winning the game. Get it here: https://bradlea.com/product/the-hard-way/

This isn't just a video. It's a wake-up call. Watch it. Share it. Act on it.

Closer School: https://www.closerschool.com/cs