When The Banks Say No,
We Say Yes!
Get pre-approved for up to $2,000,000 in business funding. Fast, flexible solutions — even with bad credit.
Get a Quote in 24 Hours
Fill out our quick form and see how much you qualify for.
$50M+
Funded to Date
2,000+
Businesses Helped
24hrs
Average Funding Time
95%
Approval Rate
Flexible Funding Options for Your Business
We offer a variety of business funding solutions designed to meet your unique needs, from merchant cash advances to equipment financing. Explore your options below.
Merchant Cash Advance
Leverage your future business receivables to access the capital you need today. Flexible repayment based on your daily sales volume.
Learn MoreDebt Consolidation
Consolidate multiple business debts into one manageable payment and save up to 20% or more on daily payments.
Learn MoreLines of Credit
Access revolving credit lines with competitive rates. Borrow what you need, when you need it, and only pay for what you use.
Learn MoreTerm Loans
Predictable monthly payments with fixed terms. Create a repayment plan that works for your business's unique cash flow.
Learn MoreInvoice Factoring
Turn your outstanding invoices into immediate working capital. Get cash flow now for your still-pending accounts receivables.
Learn MoreEquipment Financing
Finance new or used business equipment with up to 100% LTV. The equipment itself is the collateral — no additional assets required.
Learn MoreIndustries We Specialize In
We understand that each industry has its own unique challenges and opportunities. That's why we provide customized funding programs designed specifically for your business type.
What Our Clients Are Saying
Real stories from real businesses we've helped fund and grow.
"I would like to thank VACA Funding for helping me secure funding for my business when no one else could. The team made the entire process easy and stress-free."
Payton Hillman
Business Owner
"VACA Funding provided us with a merchant cash advance that helped us renovate our restaurant. The approval was fast and the terms were very fair."
Maria Santos
Restaurant Owner
"When traditional banks turned us down, VACA Funding stepped up. They understood our industry and got us funded within 48 hours."
James Thompson
Trucking Company Owner
Your Trusted Partner in Business Funding Solutions
VACA Funding is a leading alternative business lending company that specializes in providing fast, flexible funding solutions to small and medium-sized businesses across the United States. Unlike traditional banks that require extensive paperwork, perfect credit scores, and weeks of waiting, VACA Funding offers a streamlined application process with approvals often within 24 hours.
Our comprehensive suite of business funding products includes merchant cash advances (MCA), small business term loans, business lines of credit, debt consolidation loans, and invoice factoring services. Each product is designed to address specific business funding needs, whether you're looking to manage cash flow, purchase inventory, expand operations, hire staff, or invest in new equipment.
We proudly serve businesses in a wide range of industries including construction, transportation and trucking, restaurants and food service, auto repair and dealerships, healthcare and medical practices, and retail establishments. Our industry-specific funding solutions take into account the unique challenges and opportunities within each sector, ensuring you receive a funding package that truly fits your business.
At VACA Funding, we believe that every business deserves access to the capital it needs to succeed. That's why we work with businesses of all credit profiles, including those that have been turned down by traditional lenders. Our team of experienced funding specialists is dedicated to finding the right solution for your business, no matter your credit history or financial situation.