Zapital Finance

Your growth our mission

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Zapital Finance​

Your growth our mission​

Business Term Loans

A term loan is a type of business loan where a lump sum of money is borrowed and repaid over a specified period with a fixed interest rate. It's a common form of financing for various business needs, such as expansion, equipment purchase, or working capital. The "term" refers to the predetermined duration of the loan, and regular payments are made, typically monthly, until the loan is fully repaid.

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Financing amount available

$100,000 - $500,000

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 term loan can vary depending on the lender and the specific terms of the loan.
However, common requirements for a term loan may include:

Credit Score

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

Business Financials

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

Business Plan

A detailed business plan outlining your company's objectives, operations, and financial projections may be required, especially for startups or businesses seeking substantial financing.

Collateral

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

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.

Revenue

Lenders may require a minimum annual revenue threshold to qualify for a term loan. This helps ensure that your business generates sufficient income to repay the loan.

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.

Legal Documentation

You may need to provide legal documents, such as business licenses, tax returns, and identification, to verify your business's legitimacy and ownership.

It's essential to review the specific requirements of each lender and loan 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 business term loans?

  • 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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Long-term loans facilitate business expansion by providing substantial capital upfront with extended
repayment periods, enabling strategic investments in growth initiatives such as new locations,
equipment, or product development. This financial stability and flexibility support long-term planning,
asset acquisition, and competitive advantage, fostering sustainable growth and market leadership.

Long-term business loans provide businesses with a lump sum of capital upfront, which is repaid over an
extended period, typically several years. These loans offer fixed interest rates and regular payments,
allowing businesses to invest in growth initiatives such as expansion, equipment purchase, or working
capital. The extended repayment term and predictable payments provide financial stability and
flexibility, supporting long-term strategic planning and sustainable business growth.

Get in Touch

Have questions or ready to get started? Call us at 646-397-4921 and speak directly with one of our funding specialists. Or, take the next step right now—complete your application online by clicking the button below

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