Highlights

SPS is aVapor industry financing Specialist

SPS offers bad credit e-cigarette financing

SPS offers unsecured vapor industry funding

High risk business loans by SPS Capital

SPS finds the funds for various unsecured business loans 

Alternative lending for vapor industry

Working capital to grow your business

High risk working capital for Vapors

Alternative working capital for  the vapor industry

Hassle free loan process

Merchant cash advance targeting the Vapor industry

Small business funding for vapor industry

Tobacco free smoke

Alternative lending source

High risk funding for the E-cigarette industry

SPS offers Short term lending options

Bad Credit Business Loans:

 The state of the economy over the last decade has taken a turn for the worse, inevitably bringing down many personal credit scores with it and leaving many business owner’s with bad credit. With many business owners’ personal credit not up to par they were unable to find the working capital needed in order to grow their businesses. This is especially the case with vapor shop owners. This led to a lot of frustration, lack of business growth and unfortunately, lost opportunities. SPS was able to find a cure for these business owners and help them realize their business growth dreams. SPS has developed a program for business owners with bad credit that helps them find the quick funding they need through one of our alternative lending programs in order to grow their business at the best rates. SPS has helped contribute to the success of many businesses in the e-cigarette industry.

Unsecured Business Loans:

Lurking behind the scenes of banks and other traditional lending sources is a conservative loan committee with stringent loan requirements that do not allow fairly new businesses to get the business funding needed in order to grow their businesses. These committees do not care about the great business plan or even several months of increasing sales volume that this new business already has. They won’t even fund certain industries, even if they have proven to be successful like the e-cigarette industry. Even if a business were to pass all the stringent loan requirements set by these committees they would still need to provide collateral, for example a lien on a property or a personal guarantor for the amount of the loan. Who wants to risk their own personal assets, especially when there are other options available? SPS gives those businesses with the drive to succeed the opportunity to obtain quick funding, at the best rates, to grow their business without the hassles of the bank and most importantly, without risking it all. They give vapor shop owners the opportunity to get the working capital they need through alternative funding programs that will fund a business owner with bad personal credit and no collateral without a long application process and flexible repayment options that go with the flow of your business. 



In the last couple of years a new industry has come about in order to meet the needs of smokers who are determined to kick their nasty habit. This industry is known as the e-cigarette or vapor industry. This no smoke tobacco product has proven to be extremely prosperous with new businesses exceeding their business growth plans within just months of opening. Some of the newer vapor shops have found that they have problems keeping up with customer demand and find themselves needing more working capital to invest in their business growth plans. Unfortunately many traditional lending sources, like banks, will not fund the e-cigarette industry regardless of their worthiness because of its controversial and high risk nature. Not to mention that these traditional sources look for the owner to have a good personal credit score and a majority of the time require collateral. Stellar Payments recognized the need of vapor shops to be able to receive the working capital they need in order to grow their businesses and created a small business funding program to tailor to the needs of the e-cigarette industry. With Stellar Payment’s alternative lending programs, including a merchant cash advance and small business loan, vapor shop owners can now have the opportunity to obtain quick funding without their personal bad credit or lack of collateral getting in the way. The best part is that our alternative funding programs have an accelerated, hassle free application process with no application fees and a high approval rate! Unlike banks that have stringent loan requirements, Stellar Payments’ small business funding programs flexible loan requirements including the vapor shop must be in business for at least three months, be processing $5,000 a month in credit cards or be generating $10,000 in verifiable business revenue on a monthly basis.

Why Choose SPS?

SPS has helped thousands of vapor shops obtain the working capital they needed in order to achieve their business growth goals. We have been a trusted name in the alternative business funding industry for the last decade and continue to help businesses thrive. We have an A rating with the better business bureau and are always upfront with you. With alternative business financing from SPS you will not have to worry about your credit being an issue or not having collateral.