Working Capital Loans
Cover payroll, inventory, or unexpected expenses with flexible short-term capital.
Funding in as little as 24 hours
Working capital that keeps your small business moving.
Zen Funding helps Main Street businesses access fast, flexible capital — from $5,000 to $500,000 — without the bank-grade headaches.
- No obligation quote
- Soft credit pull
- Bad credit considered
$250M+
funded to small businesses
24 hrs
to funding decision
$5K–$500K
Funding amounts
24 hours
Approval speed
550+
Minimum FICO
6+ months
In business
What we fund
Capital solutions built around how small business actually works.
Every business is different. We pair you with the right product — fast, transparent, and with terms that make sense for your cash flow.
Merchant Cash Advance
Get an advance on future revenue with simple, percentage-based repayment.
Business Line of Credit
Draw funds when you need them — only pay interest on what you use.
Equipment Financing
Upgrade equipment or vehicles without draining your cash reserves.
SBA Loan Assistance
Long-term, low-rate financing for established businesses ready to grow.
Invoice Factoring
Turn unpaid invoices into immediate working capital — no waiting on terms.
How it works
Three simple steps to working capital.
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01
Apply online
A short, 2-minute application. No paperwork stack, no fees.
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02
Get approved
Most decisions are made within hours — not weeks.
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03
Get funded
Funds wired directly to your business account in as little as 24 hours.
Why Zen
Funding that feels less like a bank and more like a partner.
We built Zen Funding because Main Street deserves better than endless paperwork and "we'll get back to you." Our process is fast, our team is human, and our terms are made for the businesses that move America forward.
See how much you qualify for-
Real humans, real decisions
Talk to a funding specialist who understands your business — not a chatbot.
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Bad credit considered
We look at the full picture, not just a score. Many of our clients have been turned down elsewhere.
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No hidden fees
Clear terms, transparent pricing, and no surprise charges — ever.
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Industry-friendly
We fund restaurants, contractors, trucking, retail, medical, and more.
Let's get your business funded.
Tell us a little about your business and we'll reach out with options — usually the same business day.
FAQ
Common questions, clear answers.
How quickly can I get funded?
Most approved clients receive funds in as little as 24 hours after submitting their documents.
What are the basic requirements?
Generally: 6+ months in business, $10,000+ in monthly revenue, and a U.S. business bank account. We work with a wide range of credit profiles.
Will applying hurt my credit?
No — getting a quote uses a soft credit pull and won't impact your score.
What documents do I need?
Typically the last 6 months of business bank statements and a one-page application. For equipment funding, only a one-page application and a quote of the equipment are required. Some programs may require additional docs.
Which industries do you fund?
Restaurants, retail, contractors, trucking, auto, medical, salons, e-commerce, and most other small-business categories.