Startup Business Loans — Funding for New and Growing Businesses
Most lenders won't touch businesses under 2 years old. VACA Funding works with startups and newer businesses — you only need 3 months of operating history and $10K in monthly revenue to qualify.
Get Pre-Approved in Minutes
$500K
Max Startup Funding
24 hrs
Average Funding Time
95%
Approval Rate
500+
Min. Credit Score
Business Loans for Startups and New Businesses
Starting a business is one of the hardest financial challenges an entrepreneur faces. Traditional banks typically require 2 years of business history, strong personal credit, and significant collateral before approving a business loan. For startups, that standard is impossible to meet. VACA Funding was built for exactly this situation.
We provide business funding to companies with as little as 3 months of operating history. Our approval process focuses on your current cash flow and monthly revenue — not how long you have been in business. If your business is generating consistent deposits, we can work with you.
What Startup Funding Can Be Used For
VACA Funding startup loans can be used for any legitimate business purpose including purchasing inventory, hiring and onboarding staff, marketing and advertising campaigns, covering operating expenses during growth phases, purchasing or leasing equipment, building out a physical location, bridging gaps between client payments, and expanding into new markets or locations.
Best Funding Products for Startups
Merchant Cash Advance: If your startup processes credit card sales or has consistent ACH deposits, an MCA can get you $5,000–$500,000 in 24 hours. Repay as a small percentage of daily revenue.
Business Line of Credit: A revolving credit line gives your startup flexible access to capital as needs arise without taking on a large fixed loan. Draw only what you need.
Equipment Financing: If your startup needs equipment, machinery, or vehicles, equipment financing uses the asset as collateral making approval easier for newer businesses.
Startup Loan Requirements at VACA Funding
To qualify for startup funding at VACA Funding you need a minimum of 3 months in business, at least $10,000 in average monthly revenue, an active business bank account, a credit score of 500 or higher, and a US-based business with no open bankruptcy. There is no collateral requirement for most products.
Startup Funding Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- No open bankruptcy