From 5k to 500k

Financing for Latino Businesses

With SSN or ITIN. In Spanish. No fuss.
Apply now

We make it simple, let’s go!

This is all you need:

6 months operating

Your business is already up and running. That's what matters.

+550 FICO

We never do "hard pulls", promised.

$7K/month in sales

We look for consistent cash flow, not perfection.

Business account

Only your business, separate from your personal.
Start today
Fondo negro con curvas finas en degradado de colores azul, lila y naranja.
Hombre sonriente con gorra y delantal azul en una calle urbana desenfocada.
Mujer sonriente con delantal azul en un salón de uñas profesional con estantes de esmaltes.
Hombre con camiseta sucia y guantes revisando su celular en una cocina moderna.
Mecánico sonriente con camisa sucia y brazos cruzados frente a un taller de autos.
Hombre sonriente con gorra y camiseta negra en un taller con estantes llenos de cajas y herramientas.
30,000+ Applications Processed

Those who get ahead, use Luca

Money ready when you need it. No fuss. In your language.
Apply now
Better Business Bureau
ACCREDITED
+20MM
FUNDED
24 HRS
TO GET THE MONEY

Every day, you move your business forward

Financing shouldn't limit you; it should keep pace with you.
Calculate your funding

We keep it simple

Getting started is easy: just have an active business and sales.
About us
Dos manos de colores diferentes estrechándose, con puños de camisa azul claro.

Funding in 24 hours

Fast approval so you never miss a growth opportunity.
Start today
Bolsa azul cerrada con una cinta dorada alrededor del cuello.

Spanish, English, Spanglish you choose

Our team supports you throughout the entire process, in your language.
Talk to us
Cartel azul colgante con la palabra 'Open' en letras blancas.

Your story is part of our story

No complications, no intermediaries, no delays. We work together to offer you the best option.
Apply for funding
Tres monedas azules con símbolo de coronavirus en relieve.

From $5,000 to $500,000

Capital that adapts to your business's size and stage.
Calculate your funding
Alcancía azul con forma de cerdito sonriente.

Your business speaks for itself, not your paperwork

You don't need an SSN or a perfect credit score.
Apply in minutes
Caja registradora blanca con pantalla y teclado numérico, mostrando 2.91 en el display.

Compare and decide

Getting funded is easy: all you need is an active business with ongoing sales.
Estimate your funding
Calculadora azul con pantalla que muestra el número 8649.

Receive your offer in 2 hours

Without affecting your credit score
Get my offer
Reloj despertador azul cinético con campanas y patas metálicas
Fondo oscuro con líneas curvas delgadas en colores azul y morado en las esquinas.
Tres hombres con delantales en una cocina profesional posan sonrientes junto a una parrilla humeante.
WE PROVIDE A DECISION in 24 hours:

Your business is enough

We know your business speaks volumes about you. We evaluate how you sell, not just your history.
Apply now
Fondo oscuro con líneas curvas delgadas en colores azul y morado en las esquinas.
Dos adultos sonrientes con delantales miran un teléfono móvil en una tienda iluminada.
No barriers:

Grow without asking for permission

Access capital with Social Security, ITIN, or a work permit.
Apply now
Fondo oscuro con líneas curvas delgadas en colores azul y morado en las esquinas.
Joven sonriente con camisa verde y teléfono naranja en la mano, con edificios y bandera al fondo.
Easy:

Apply in minutes

100% online process with no unnecessary paperwork.
Apply now
What type of financing does Luca offer?

Luca offers cash advances tailored to the needs of small business owners, with a special focus on Latino entrepreneurs.

This financing can be used for a variety of business needs, such as expansion, inventory purchases, hiring staff, payroll expenses, advertising, equipment upgrades, emergencies, or debt consolidation.

What are the requirements to access financing?

The basic requirements include: Having a personal FICO® score of 580 or higher, Having average monthly sales of at least $7,500, Having at least 6 months of business operation, Owning a business bank account.

What is the process to obtain financing?

The process consists of three steps:

1) Complete a simple application with basic information about your business and submit your last 4 bank statements.

2) A Luca representative will get in touch to advise you and tailor an offer.

3) Accept the offer, sign the contract, and receive the funds directly in your bank account.

View all FAQs

If you're ready, so are we!

Apply now
Bandera de México con franjas verticales verde, blanca y roja y un círculo marrón con una curva verde en el centro.
The bank said no. Luca asked how much I was selling, and two days later the money was in my account.
Carlos Mendoza
Restaurante
Miami, FL
Chef sonriente con delantal verde cruzando los brazos en una cocina de food truck.
I applied with my ITIN and had no issues. It never even came up during the process.
Rosa Gutierrez
Salón de Belleza
LA, CA
Mujer sonriente con delantal azul en salón de uñas, con estante de esmaltes de fondo.
Bandera de Corea del Norte con franja blanca central y círculo azul con símbolo amarillo y verde.
I needed equipment before the season started. I was approved in hours and didn't lose a single contract.
Miguel Torres
Landscaping
Dallas, TX
Hombre con uniforme de jardinería verde y guantes, sonriendo frente a maquinaria de césped al aire libre.
Bandera redonda de Colombia con franjas amarilla, azul y roja horizontalmente.
Nicolás explained everything before I signed. I'd never been treated that way when looking for funding.
William Palma
Reparación de autos
Charlotte, NC
Mecánico sonriente con camisa sucia y brazos cruzados frente a un taller de autos.
Bandera de Colombia con franjas horizontales amarilla, azul y roja en un círculo.
I wasn't sure I'd qualify. Omar sent me an offer in 3 hours without affecting my credit. That's when I decided.
Andrés Blanco
Construcción
Houston, TX
Obrero con casco amarillo y chaleco naranja de seguridad cruzando los brazos en obra en construcción.
Bandera redonda de Perú con tres franjas verticales: roja, blanca y roja.
They helped me grow at my own pace. I delivered, I grew, and today my third funding line is three times bigger.
Fernando Quispe
Cleaning
Denver, CO
Hombre con camiseta azul manchada y delantal en cocina con estantes de libros detrás.
Bandera de Lesoto con un círculo azul claro y un símbolo tradicional negro y blanco en el centro.
I paid off early with no penalties or surprises. When I needed another line, they offered even better terms.
Lucía Herrera
Lavandería
Phoenix, AZ
Mujer con delantal y camisa azul en lavandería sosteniendo toallas blancas dobladas.
Bandera de República Dominicana con cruz blanca, triángulos azules y rojos, y escudo central.
After an MCA full of fees and hidden costs, I found Luca and couldn't believe it was real. It is.
Fernando Quispe
Cleaning
Denver, CO
Hombre con guante negro y delantal limpiando con un trapo en una cocina luminosa.

Get updates and opportunities, straight to your inbox

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

We

make it

simple

let’s

go

Start today

Lo hacemos simple, let’s go!

Whatsapp
Form
Apply now