Funding Secrets The Banks Don't Want You To Know In 2026
Dropping Bombs
Brad Lea
4.9 • 2.3K Ratings
🗓️ 26 January 2026
⏱️ 72 minutes
🧾️ Download transcript
Summary
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.
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Transcript
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| 0:00.0 | I had $17.25 in my bank account. |
| 0:02.1 | So without my wife knowing, honestly, I refinanced our house. |
| 0:04.6 | I took that cash and basically put that into the business. 94% small businesses are being turned down by banks. And even if they do get approved, there's a three to four month wait process. How fast you're in a couple hours. We can get from submission to money out the door in less than three hours. That's crazy. With our automation, we can actually review more information that a bank does over three months and eight minutes with more accuracy. |
| 0:25.6 | Is it AI based? |
| 0:26.6 | Yeah. |
| 0:27.6 | You can do it in eight minutes? |
| 0:28.6 | Sometimes less. |
| 0:29.6 | You're funding businesses that banks didn't approve, which means you're taking on risks that a normal bank is like, nope, we're not doing that. |
| 0:42.6 | I was approached by somebody the other day and they said, what was the hardest part about your growth? And this is a line that I say in my book and you know, you could drop a bomb on this one, |
| 0:47.2 | but what it is, Brad Lee back again with another episode of drop bombs today in the studio folks i got a |
| 0:56.9 | real treat for you my man j avigdore in the house what's happening what's going on man good |
| 1:02.1 | folks if you guys don't know him you can find him on tic-tok at j underscore avidore or at j |
| 1:10.0 | avidore if you have a, you might need a little capital. |
| 1:14.7 | That's what this man built is basically a revenue machine for people that need capital. |
| 1:23.3 | What do you call it? Revenue-based financing. Revenue-based financing, folks. Now, |
| 1:29.7 | listening to you in the meeting earlier, I called it MCA loans. You said they're not MCA loans. |
| 1:37.4 | I'm like, sound like it. What's the difference between an MCA loan and revenue-based financing? |
| 1:43.7 | So an MCA loan, right, doesn't exist. |
| 1:47.8 | So you can't have two, right? That's kind of like a double on that already. An MCA is a merchant |
| 1:52.8 | cash advance. A loan is an actual loan. Merchant cash advance is the purchase of receivables. |
| 1:59.2 | And a loan is an actual loan that's personally |
| 2:01.7 | guaranteed against, you know, either property, vehicles, assets, equipment, et cetera. |
... |
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