Working Capital Loans — Keep Your Business Running Every Day

What Are Working Capital Loans?

Working capital is the money your business uses to cover day-to-day operating expenses — payroll, rent, utilities, inventory, and supplier invoices. A working capital loan gives you immediate access to cash to keep operations running smoothly, even when revenue is delayed or seasonal dips hit hard.

Unlike long-term business loans used for major investments, working capital financing is designed to be short-term, fast, and flexible. VACA Funding specializes in getting working capital into your account within 24 hours so you never miss payroll, lose a supplier discount, or close your doors during a slow month.

When Do Businesses Need Working Capital?

Working capital gaps happen to every business at some point. Common triggers include seasonal slow periods where revenue drops but fixed costs remain, waiting 30–90 days for customer invoices to be paid, unexpected expenses like equipment repairs or emergency staffing, rapid growth that requires more inventory and staff before new revenue arrives, and tax periods where large lump-sum payments drain cash reserves.

Working Capital Loan Options at VACA Funding

Merchant Cash Advance: Get a lump sum repaid automatically as a percentage of daily sales. Ideal for businesses with consistent card transactions. No fixed payment — repayment flexes with your revenue.

Business Line of Credit: Draw working capital as needed, repay, and draw again. Perfect for businesses with recurring but unpredictable cash needs. Only pay interest on what you use.

Short-Term Business Loan: Receive a fixed lump sum with a set repayment schedule. Best when you know exactly how much you need and want predictable payments.

Invoice Factoring: If your working capital gap is caused by slow-paying clients, turn those outstanding invoices into immediate cash without waiting for payment.

How Much Working Capital Can I Get?

VACA Funding provides working capital financing from $5,000 to $2,000,000. Your approved amount is based primarily on your average monthly revenue. Most businesses qualify for 50–150% of their average monthly deposits.

Working Capital for Bad Credit Businesses

Traditional banks reject most working capital loan applications from businesses with less-than-perfect credit. VACA Funding takes a different approach. We evaluate your current cash flow and monthly revenue — not just your credit history. Business owners with credit scores as low as 500 have been approved and funded.