Navigate SBA Loans With Confidence
Our role is simple: to make the process easier, faster, and less stressful so you can focus on running your business while pursuing the funding you need.
SBA Loan Features
Grow Your Business
Expand your business by refinancing debt, buying equipment, purchasing inventory and obtaining working capital.
Flexible Guidelines
More business owners can qualify with flexible debt service coverage ratio requirements and a minimum FICO score of 640.
10-Year Payment Terms
Extended repayment terms provide lower monthly payments and increase cash flow for your business.
Loans up to $5,000,000
Make significant investments in your business; expand and accelerate your growth with up to $500k in 30 days.
SBA Loan The Vici Capital Advantage
Boost Working Capital
Get the working capital you need to cover daily expenses, manage payroll, and navigate fluctuating market conditions.
Consolidate Debt
Save thousands of dollars per month by consolidating short-term loans like merchant cash advances, term loans, and lines of credit.
Hire More Employees
Grow your team and recruit top talent while creating jobs for your local community.
Increase Inventory
Expand inventory to meet customer demand and maintain a healthy supply chain to improve your bottom line.
Upgrade Equipment
Purchase or upgrade the equipment you need to improve your business's productivity and stay ahead of the competition.
Pre-Requisites for SBA Loan
Minimum FICO Score
640 Experian model v2
Time in Business
2 years
Use of Funds
Working Capital, Debt Refi, Inventory, Equipment, Commercial Real Estate.
Loans up to 5M
Loans starting from 150k going all the way up to 5M
Ready to Get Started?
Answer a Few Simple Questions
Answer a few questions to let us know more about what you're looking for and check eligibility.
We’ll Connect You With a Business Loan Specialist
Our trusted and experienced specialists will help match you with the best option for your business. With over 15 lending partners, we'll work together to find the right solution for you.
Guide You Through the Application Process
Your loan specialist will work with you throughout the process, streamlining an otherwise overwhelming experience.
Get Funded
Get the capital you need to grow your business.
What Client Say
Here's what our clients have to say about their experience with our investment services:
The personalized attention and expertise I received helped me tremendously. They presented options I didn't even know about. Truly what you want an a financial partner.
J. Thompson
Restaurant Owner
Securing an SBA with out them would have been possible but so much more difficult and stressful. Very happy to have had them guide us!
Rachel Lee
CFO - Healthcare
We were able to get the equipment we needed without straining our cash flow. The process was fast, straightforward, and the team was incredibly helpful throughout.
L. Ramirez
CEO - Specialty Builds
Ready to Get Started?
Check to see if you pre-qualify without impacting your credit score.
Frequently Asked Questions
What makes Vici Capital different from other financing companies?
We’re relationship-driven, not just transaction-based. We work with you long-term, offering multiple funding options with full transparency, no hidden fees, and fast turnarounds.
Do I need perfect credit to qualify for funding?
No. For working capital we look at the health of your business more than your credit score. Even with challenged credit, you may qualify for funding depending on revenue and cash flow. However, for SBA and Equipment Financing, minimum credit score is 620.
How fast can I receive funding?
Many clients receive same-day or next-day approvals. Funding can hit your account within 24–72 hours depending on the product and paperwork.
What industries do you work with?
We work with almost every industry—from construction to retail, trucking to healthcare, professional services, and beyond. If you’re generating revenue, we can likely help.
How long does an SBA take?
SBA products vary, we can usually Pre-Approvals between 48-72 hours. For funding timeline, with SBA Express we can have it completed in as little as a few weeks. While more traditional ones can take 5-8 weeks.
Your Financial Partner
