Zenda places more kinds of business capital than most funders carry. Each one below states the range, the term, who it fits and what we need to see, so you can tell in a minute which one is yours. One application reaches all of them.
A lump sum now, repaid as a set remittance taken from your sales daily or weekly until the agreed total is paid. The cost is fixed at signing, so you know the full number before you take the money. This is the product the industry also calls a merchant cash advance, and it is the fastest capital a business can get.
Range
$5,000 to $500,000
Speed
Same-day decision, funds as fast as 24 hours
Term
3 to 24 months
Fits
Working capital, inventory, payroll, a time-limited opportunity, a repair that cannot wait
We look at
Your last four months of business bank statements, time in business, existing obligations
Used on purpose, it is a bridge. Used by reflex, it becomes a habit that eats margin. Your specialist will say which one your situation is, and what moves you to a cheaper product next time.
Borrowed money with a fixed rate and a fixed monthly payment over a set number of years. The product most owners want and the one that needs the most documentation.
Range
Unsecured up to $500,000; larger with collateral
Rates
Fixed, from 8% to 16% APR, depending on your file
Term
5 to 7 years
Collateral
None required on the unsecured program
Fits
Expansion, buying out a partner, equipment, consolidating expensive short-term debt into one payment
We look at
Two years of business tax returns, a current profit and loss statement and balance sheet, a personal financial statement
A revolving limit you draw against when you need it and pay down when you do not. You pay only for what you use, and the limit replenishes as you repay.
Range
Limits sized to your deposits; most lines fall between $25,000 and $250,000
Speed
Same-day decision, first draw within 24 to 48 hours
Fits
Seasonal gaps, recurring purchasing, a cushion you would rather have before you need it
We look at
Bank statements, time in business, credit profile, debt service
Government-guaranteed loans with the longest terms and lowest cost of capital a small business can reach. Slow, document-heavy, and worth it for the right purpose. We prepare the file so it goes through once.
Programs
7(a) for working capital and acquisitions up to $5,000,000; 504 for real estate and heavy equipment; microloans up to $50,000
Timeline
Weeks, not days. We tell you the realistic date before you start.
Fits
Real estate, acquisitions, large equipment, long-term expansion
We look at
Three years of business and personal returns, financial statements, a business plan with projections, collateral where it applies
Program limits are set by the U.S. Small Business Administration and were checked on November 8, 2026.
The equipment is the collateral, so approval leans on the asset and your deposits rather than on years of financials. Payments are matched to the useful life of what you buy.
Range
Sized to the equipment; from a single lift to a fleet
Term
2 to 5 years, monthly payments
Fits
Trucks and trailers, machines, medical and dental equipment, kitchen lines, diagnostics
We look at
The quote or invoice for the equipment, bank statements, credit profile
An advance on receivables you have already earned. You deliver the work, we advance most of the invoice this week, and the balance less the fee follows when your customer pays.
Advance
Most of the invoice value up front; the rest, less the fee, when the invoice is paid
Fits
Contractors, carriers, staffing, wholesale, anyone who waits 30 to 90 days to be paid
We look at
Your customers' creditworthiness more than yours, plus an aging report and sample invoices
When stacked daily payments are taking more than the business can carry, there are two moves: consolidate the balances into one obligation on a schedule you can meet, or negotiate what you owe down. Both start with the full picture, so bring every balance, every remittance and every contract.
Consolidation
One payment in place of several; often paired with a term loan or line once the stack is cleared
Settlement
Negotiated reductions on balances the business cannot sustain; a last resort with real consequences, explained before you choose it
We look at
Every current obligation, bank statements, and the honest cash position
Capital that is not borrowed. Years of email, chat, CRM and ticket history are the record of how real work gets done, and AI developers license that record. Our data program checks whether your company qualifies, prepares the file and makes the introduction. Your company keeps ownership of its records.
Range
$100K to $5M for approved data packages, indicative, not a quote
Structure
A license, not a loan; nothing to repay and no equity given up
Fits
A US company 2 or more years on the same email, chat or CRM systems, with a desk-based team and records mostly in English that the company owns
We look at
Which systems you run, how far back the records go, who owns them, and that you are not already in another data program
Workplace video programs pay companies for new first-person recordings of everyday hands-on tasks, such as packing, assembly, maintenance and trade work, to help train AI and robotics systems. Participants volunteer, nobody is required to take part, and employee compensation is yours to set.
Payment
Illustrative: up to $1,000 per worker per month; terms are set per program and confirmed in writing before anyone records
Structure
Agreed tasks, approved equipment, accepted hours; footage goes through the approved app to the evaluating party and we do not hold it
Fits
US-based hands-on teams with a few hours a week available; fit is confirmed per company
We look at
The tasks, the floor, the hours, and who is willing to take part
6+ months in businessOlder businesses qualify for more.
$15,000 a month in depositsInto a business bank account, averaged over the last four months.
500+ personal credit scoreCredit is one input, not the decision.
Based in the United StatesAny state. Some industries have limits; your specialist will tell you up front.
Revenue-based funding $5K to $500K, as fast as 24 hours. Up to $5M across term, SBA and equipment. Same-day decision. No credit impact to see what you qualify for.
It depends on what the money is for and how you get paid. Working capital you will turn over in months fits revenue-based funding or a line of credit. Equipment that earns for years fits equipment financing or a term loan. Slow-paying customers fit factoring. Your funding specialist tells you which one your file qualifies for today and what would qualify you for the next one.
Can I have more than one product at once?
Often, yes: a term loan for equipment and a line of credit for working capital is a common pairing. Stacking several revenue-based advances is not something we do; if you already carry stacked daily payments, start with the restructuring conversation.
What is the difference between revenue-based funding and a term loan?
A term loan is borrowed money repaid monthly with interest over years, and it needs documented financials. Revenue-based funding is the purchase of future receivables, repaid daily or weekly over months at a fixed cost, and it is underwritten on bank deposits. The loan is cheaper and slower; the advance is faster and easier to get.
Do you fund startups?
Our products start at six months in business and $15,000 a month in deposits. A business younger than that, or without deposits yet, does not fit them. SBA microloans and equipment financing with a strong personal file are the exceptions worth a conversation.
One application. Every option.
Five minutes, no credit impact, and a funding specialist on the phone the same day with the options your file supports.