Need an SBA Loan? Get Funded Faster With VACA Funding

SBA Loans vs. VACA Funding — What's the Difference?

SBA loans (loans backed by the U.S. Small Business Administration) are often promoted as the gold standard for small business financing. And in some cases, for businesses that qualify and can wait, they are. But the reality for most small business owners is that SBA loans are extremely difficult to obtain and painfully slow to close.

The average SBA 7(a) loan takes 60–90 days to approve and fund. Requirements typically include 2+ years in business, a personal credit score above 680, detailed financial statements, a formal business plan, collateral, and no recent derogatory marks on your credit. Most small businesses — especially those under 2 years old or with any credit challenges — are rejected outright.

Why Business Owners Choose VACA Funding Over SBA

Speed: VACA Funding approves and funds in 24 hours. SBA loans take 60–90 days minimum. If you need capital now, there is no comparison.

Easier Qualification: We require only 3 months in business and a 500 credit score. SBA requires 2 years and 680+. Most businesses that are declined by the SBA qualify easily with VACA Funding.

Less Paperwork: Apply in 2 minutes with basic business information and 3 months of bank statements. No business plan, no tax returns, no collateral appraisals.

Flexibility: VACA Funding offers multiple products — MCAs, lines of credit, term loans, invoice factoring — tailored to your specific situation. SBA loans are one rigid product.

When an SBA Loan Might Still Be Right For You

If your business has been operating for 2+ years, has strong credit, does not need capital urgently, and qualifies for the full SBA process, an SBA loan's lower rates may be worth the wait. VACA Funding is not here to talk you out of the right product — we are here to be the right product when the SBA is not an option or not fast enough.

VACA Funding SBA Alternatives

Merchant cash advances, business lines of credit, short-term business loans, and invoice factoring are all available the same day you apply. Amounts from $5,000 to $2,000,000 with approval based on your current revenue — not your credit score or years in business.