Zapital Finance

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Zapital Finance​

Your growth our mission​

Business Line of Credit (LOC)

A business line of credit is a flexible financing option that provides businesses with access to a predetermined amount of funds that they can borrow from as needed. Similar to a credit card, businesses can withdraw funds up to the approved credit limit and only pay interest on the amount borrowed. Repayments replenish the available credit, allowing businesses to use the line of credit repeatedly for various purposes such as managing cash flow, covering short-term expenses, or seizing growth opportunities.

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Financing amount available

$5,000 - $200,000

Get funded in as fast as

48 hours

How It Works

Apply Online

Fill out a 5 minutes simple application form by clicking on apply now button.

Quick Approval

Get approval within next 1 hour and get to talk with our experienced funding specialist.

Funding In 24 Hours

Get your funds quickly within 24 hours after approval and start growing your business.

Power up your business

With a Zapital Finance Working Capital loan you can access:

  • Business financing from $25,000 to $600,000
  • Terms from 6-24 months
  • Factor rates as low as 1.11*
  • Automatic daily or weekly payments

Requirements to qualify

While requirements for a working capital loan may vary, your business will generally need:

  • To be operating in the United States
  • 6+ months time in business
  • $15,000+ in monthly revenue**
  • To deposit revenue in a business bank account
  • A credit score of 500+

The requirements for a Business Line of Credit (LOC) can vary depending on the lender and the specific terms of the credit line. However, common requirements may include:

Credit Score

Lenders typically look for a minimum credit score, which varies depending on the lender and the type of LOC. A higher credit score usually increases your chances of approval and may qualify you for better terms.

Time in Business

Lenders may require your business to have been operating for a certain period, such as six months to a year, to demonstrate stability and reliability.

Annual Revenue

Lenders may require a minimum annual revenue threshold to qualify for a LOC, ensuring that your business generates sufficient income to repay the credit line.

Business Financials

Lenders may request financial statements, such as income statements, balance sheets, and cash flow statements, to assess your business's financial health and repayment ability.

Time in Business

Lenders may prefer businesses that have been operating for a certain period, such as one to two years, to demonstrate stability and profitability.

Business Plan

While not always required, having a detailed business plan outlining your company's objectives, operations, and financial projections can strengthen your application, especially for startups or businesses seeking substantial financing.

Collateral

Some LOCs may require collateral, such as real estate, equipment, or inventory, to secure the credit line. Collateral provides the lender with reassurance in case of default.

Personal Guarantee

In some cases, lenders may require a personal guarantee from the business owner, which holds them personally liable for loan repayment if the business defaults.

It's essential to review the specific requirements of each lender and credit line product before applying to ensure that you meet the eligibility criteria. Working with a financial advisor or loan specialist can also help you navigate the application process and improve your chances of approval.

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Why work with Zapital finance for a merchant cash advances?

  • Speed: Our streamlined application process and fast approvals mean you can access funds when you need them most—often within 24–48 hours.
  • Flexibility: We understand that no two businesses are alike. That’s why our programs are customized to fit your needs.
  • Transparency: No hidden fees, no surprises. We value clear, straightforward communication.
  • Support: We don’t just provide funds—we provide ongoing guidance and financial insights to help your business grow sustainably.

Frequently Asked Questions

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The amount you qualify for a business line of credit depends on various factors, including your
business’s creditworthiness, revenue, financial history, and the lender’s policies. Typically, lenders offer
credit limits ranging from $10,000 to $250,000 or more for small businesses. However, the specific
amount you qualify for will be determined during the application process based on your business’s
financial profile and the lender’s evaluation criteria. It’s essential to provide accurate financial
information and maintain a strong credit history to maximize your chances of qualifying for a higher
credit limit.

Determining if a line of credit is right for your business depends on various factors, including your
business’s financial needs, cash flow patterns, and growth objectives. A line of credit can be suitable for
businesses that require flexible access to funds for short-term expenses, managing cash flow
fluctuations, or seizing growth opportunities. Additionally, businesses with a strong credit history and
stable revenue streams may benefit from a line of credit’s revolving nature and lower interest rates
compared to other financing options. However, it’s essential to carefully evaluate your business’s
financial situation, repayment ability, and long-term goals to determine if a line of credit aligns with your
needs and objectives. Consulting with a financial advisor or loan specialist can provide valuable insights
and help you make an informed decision.