Starting microfinance operations in 1994 the program was totally self-reliant, cost effective and sustainable until 2001 and had accepted no national or international financial assistance. However, in order to achieve faster growth, VSSU operations are now assisted through a Revolving Loan Fund (RLF).

VSSU has two key sources of funds; firstly, loans from India's nationalized banks and funding agencies and secondly funds from our members in the form of savings, recurring term deposits and loan deposits. In the year of 2007-08, 52% of total funds came from VSSU's surplus from Microfinance operations and 48% was from nationalized banks and funding agencies SIDBI, HDFC, Axis Bank, SBI and BANDHAN.

Small Industries Development Bank of India (SIDBI) is one of the major funding agencies of VSSU and the foremost bank from where VSSU had been financed in 2001 initially.

State Bank of India, Axis Bank formerly known as UTI Bank has also credited VSSU and assisted admirably to accelerate and strengthen VSSU microfinance program in the district of South 24 Parganas. HDFC is other major and latest funder of VSSU in order to gear up and expand VSSU microfinance services.