Find answers to common questions about our Cash Management Accounts and Business Loans
A Cash Management Account (CMA) is a hybrid account that combines the best features of both savings and checking accounts. It offers:
With a Vistafi CMA, you can earn high interest while maintaining full access to your money through our mobile app.
Our current Annual Percentage Yield (APY) is 4.50% on all balances. Unlike many banks, we don't have tiered rates—every dollar in your account earns the same competitive rate, whether you have $100 or $100,000.
Interest rates are variable and subject to change. We'll always notify you in advance if rates change.
No! We believe in transparent, straightforward banking. There are:
You keep more of what you earn with Vistafi.
Yes, your deposits are FDIC insured up to $250,000 per depositor through our partner banks. This means your money is protected by the full faith and credit of the U.S. government, just like deposits at traditional banks.
You can access your money 24/7 through our mobile app (available for iOS and Android). Simply transfer funds to your linked bank account, and the money is available instantly with no waiting periods.
The app also allows you to check your balance, view transaction history, and manage your account settings anytime, anywhere.
No, there is no minimum balance requirement to open or maintain your CMA account. You can start with any amount and earn the same competitive interest rate from day one.
We offer several types of business loans designed for small businesses:
Loan amounts range from $10,000 to $500,000 depending on your business needs and qualifications.
We pride ourselves on fast approvals. Most applications receive a pre-approval decision within 24-48 hours. Once you submit the required documentation, final approval and funding typically takes 3-5 business days.
This is significantly faster than traditional bank loans, which can take weeks or months.
Basic eligibility requirements include:
These are general guidelines. We evaluate each application individually and may make exceptions based on overall business strength.
Typically, you'll need:
Our team will guide you through the exact documentation needed based on your loan type.
Yes! There are no prepayment penalties on any of our business loans. You can pay off your loan early and save on interest without any additional fees.
Interest rates vary based on factors including:
Our rates are competitive and typically range from 7% to 25% APR. You'll receive a personalized rate quote during the application process with no impact on your credit score.
Security is our top priority. We use bank-level security measures including:
Your money and personal information are protected with the same security standards used by major financial institutions.
Our customer support team is available 24/7 through multiple channels:
Most inquiries are answered within 1 business day.
Absolutely! Many of our customers use both products. In fact, having a CMA account can help demonstrate financial responsibility when applying for a business loan.
You can manage both accounts through a single login, making it easy to track all your financial products in one place.
Vistafi Financial is a financial technology company that partners with FDIC-insured banks to provide our services. Your CMA deposits are held at our partner banks and are FDIC insured up to $250,000.
This partnership model allows us to offer innovative technology and customer experience while maintaining the security and insurance protection of traditional banking.
Our support team is here to help you 24/7
Open your account today and experience the future of financial services