Zapital Finance

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Zapital Finance​

Your growth our mission​

Commercial Loans

An commercial loans​ is a type of business financing that is secured by collateral, typically in the form of the borrower's assets. These assets can include accounts receivable, inventory, equipment, real estate, or other tangible assets owned by the business. The loan amount is determined based on the value of the collateral, and lenders may advance funds up to a certain percentage of the collateral's appraised value. Asset-based loans are often used by businesses that have valuable assets but may not qualify for traditional loans due to factors such as limited credit history or fluctuating cash flow. These loans provide businesses with access to capital to fund operations, expansion, or other business initiatives while leveraging their assets as collateral to secure financing. Asset-based loans typically have higher interest rates and stricter terms compared to traditional loans because they carry more risk for lenders. However, they can be a valuable financing option for businesses looking to unlock the value of their assets and access the capital they need to grow and thrive.

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Financing amount available

$5,000 - Upto $5,000,000

Get funded in as fast as

24 hours

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 an asset-based loan can vary depending on the lender and the specific terms of the loan agreement. However, common requirements may include:

Valuable Collateral

Asset-based loans are secured by collateral, so lenders typically require businesses to have valuable assets, such as accounts receivable, inventory, equipment, or real estate, that can be used as collateral to secure the loan.

Valuable Collateral

Lenders may require a professional appraisal or valuation of the collateral to determine its value and assess its suitability as security for the loan.

Minimum Revenue

There may be a minimum monthly revenue requirement for the business.

Financial Statements

Businesses may need to provide financial statements, including balance sheets, income statements, and cash flow statements, to demonstrate their financial health and ability to repay the loan.

Creditworthiness

While asset-based loans are secured by collateral, lenders may still consider the borrower's creditworthiness and financial stability when evaluating loan applications.

Business History

Lenders may prefer businesses with a track record of stable operations and revenue generation. Startups or businesses with limited operating history may face more stringent requirements or higher interest rates.

Loan Purpose

Lenders may inquire about the intended use of the loan proceeds to ensure that the funds will be used for legitimate business purposes that align with the borrower's financial goals and repayment ability.

Legal Documentation

Borrowers may need to provide legal documentation, such as business licenses, articles of incorporation, or ownership agreements, to verify the business's legitimacy and ownership.

It's essential to review the specific requirements of each lender offering asset-based loans and ensure that you meet their eligibility criteria before applying. 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 commercial 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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The types of asset-based loans most likely to support business expansion include:

 

  1. Accounts Receivable Financing: Provides immediate capital by leveraging outstanding invoices, allowing businesses to maintain cash flow and invest in growth initiatives.

 

  1. Inventory Financing: Enables businesses to use existing inventory as collateral to secure financing for expanding product lines, increasing inventory levels, or launching new marketing campaigns.

 

  1. Equipment Financing: Facilitates the acquisition of new machinery, technology, or tools necessary for expanding operations and improving productivity.

 

  1. Real Estate Financing: Supports business expansion by financing the purchase or renovation of commercial properties, expanding physical locations, or investing in real estate assets to diversify revenue streams.

 

  1. Asset-Based Lines of Credit: Offers flexible funding options secured by various business assets, providing ongoing capital to support continuous growth and expansion initiatives.

 

Each type of asset-based loan offers unique advantages and can effectively support different aspects of business expansion. Businesses should carefully evaluate their specific needs and objectives to determine the most suitable financing option for their growth plans.

The processing time for asset-based loans can vary depending on factors such as the complexity of the loan, the lender’s internal processes, and the responsiveness of the borrower. In general, asset-based loans can be processed relatively quickly compared to traditional loans, with funding typically occurring within a few weeks from the time of application. However, simpler loans with straightforward collateral and strong financials may be processed even faster, sometimes within days. It’s essential for borrowers to provide all required documentation promptly and communicate effectively with the lender to expedite the loan processing timeline.

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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