Fueling Your Business Growth
with the Right Financing

Get funds up to $800,000 for your business in just 24 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.

Our Financing Solutions

Merchant Cash Advances (MCA)

Flexible funding based on your future sales, perfect for businesses with fluctuating revenues.

Term Loans

Reliable loans with fixed terms, helping you manage big projects or long-term investments.

Commercial Loans

Designed for established businesses looking for larger funding amounts to scale operations.

Construction Loans

Tailored financing for builders and developers to keep projects moving smoothly.

Equipment Loans

Get the tools, machinery, or vehicles you need without disrupting cash flow.

Line Of Credit (LOC)

Flexible funding, expert support — helping you access and manage your business line of credit with confidence.

Our Achievements

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Customers Served
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One stop financing services

Minimum Requirements for Business Financing

Minimum Revenue

The minimum amount that should be deposited each month is $15,000.

Time In Business

A business should have been operating for at least a year.

Ownership Percentage

Ownership should be more the 51%

Personal Credit / FICO Score:

The score should be more than 520

Business Transactions

Business transaction activity should be at least 5 credit transactions

Business Account Balance

Monthly ending balance and daily balance should be positive

Negative Days / NSFs

In four months, there should be less than ten negative days

Entity Types

We finance all entity types, also sole proprietorships

Who We Are?

At Zapital Finance Limited we specialize in helping business owners secure the financing they need to thrive. Whether you’re looking to expand operations, cover unexpected expenses, or invest in new opportunities, our team is here to guide you every step of the way. We work as trusted financing brokers, connecting you with lenders who offer competitive rates, transparent terms, and funding options designed for growth.

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Business Loan Calculator

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“What I love most about Forward Funding is the speed of getting funds. Whether we need to pay vendors quickly, get bulk inventory discounts, or pay down debt, we can do it all with Forward Funding without having to worry about unnecessary delays.”

Loan Estimate

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Applying Business Financing Online

Pre qualify online

Click the “Apply Now” button, enter some basic business information, and pre-qualify for small business loans online.

Approval in less than 1 hours

Once approved, a small business loan advisor will reach out to you with the options you qualify for and help you choose the best business loan or financing product for your situation.

Receive same-day funding

Funds are deposited directly into your bank account so you can use your funding immediately. Automatic daily and weekly payment and remittance options are available

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Who We Help?

We proudly support small businesses, startups, and established companies across industries. Whether you run a retail store, construction firm, healthcare practice, or service-based business, we have funding options that align with your goals.

Frequently Asked Questions

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Zapital finance is a trusted financial partner dedicated to helping business owners and entrepreneurs access the capital they need to grow, stabilize, and scale. We specialize in providing flexible funding solutions designed for small and medium-sized businesses across industries. Our mission is to simplify the financing process, cut through traditional banking delays, and deliver funding options that truly work for you.

We are more than just a lending service—we are a long-term partner in your growth. Businesses choose us because:

  • Fast and Simple Process: Apply in minutes and get decisions quickly without endless paperwork.
  • Tailored Solutions: Every business has different needs, so we create financing options that match your goals.
  • Transparent Terms: No hidden fees or confusing fine print. You always know exactly what you’re agreeing to.
  • Dedicated Support: Our experts guide you through every step, making sure you understand your options and select the right program.
  • Flexibility: Whether you need short-term cash flow support or large-scale funding, we’ve got you covered.

We offer a wide range of financing solutions to fit businesses of all sizes and industries:

  • Merchant Cash Advances (MCA): Flexible funding based on your projected sales, perfect for businesses with fluctuating revenue.
  • Business Term Loans: Fixed repayment schedules that help you plan and invest confidently.
  • Commercial Loans: Larger funding amounts for established businesses looking to expand or take on major projects.
  • Construction Loans: Tailored options for builders and developers to keep projects moving on time
  • Equipment Financing: Loans and leasing programs that allow you to purchase or upgrade tools, vehicles, or machinery without heavy upfront costs.
  • Credit Repair Guidance: Support and resources to help you strengthen your credit profile and unlock more opportunities for future financing.

Funds from our programs are designed to be versatile, giving you the freedom to invest where your business needs it most. Common uses include:

  • Expanding or opening new locations
  • Upgrading equipment and technology
  • Managing payroll and employee expenses
  • Covering cash flow gaps during seasonal slowdowns
  • Purchasing inventory or raw materials
  • Investing in marketing and advertising campaigns
  • Renovating or improving facilities
  • Taking advantage of unexpected growth opportunities

In many cases, qualified businesses can receive approval within 24–48 hours and access to funds shortly after. We understand that time is critical for business owners, so our process is designed to be efficient and stress-free.

No. We work with businesses of all credit backgrounds. While stronger credit can unlock more options, we also provide programs specifically for businesses with challenged or developing credit histories. Our goal is to help you secure the funding you need while building toward a stronger financial future.

Applying is quick and simple. Just complete our online application, submit a few basic documents, and our team will review your request. From there, one of our funding specialists will contact you to discu ss your options and help you move forward.

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:

Apply Now

Apply in Minutes

Get the capital you need in as little as 3 hours.

Always-On Support

24/7 Access, both online and offline. info@zapitalfinance.com

Experience You Can Trust

Established in 2015, with over 20 trusted partners and more than 10,000 customers served.

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