ZATEGIC offers funding for businesses in ALL 50 STATES NATIONWIDE!
Business funding refers to the financial resources a company secures to launch, operate, or grow. It’s essentially the money a business uses to cover expenses, invest in growth, and maintain its financial health.
You need it to cover startup costs, manage cash flow, finance expansions, and capitalize on new opportunities.
Adequate funding helps businesses maintain financial stability and avoid cash flow crises, ultimately improving their overall financial health.
Starting a business requires significant initial investments, including equipment, inventory, rent, and marketing. Funding provides the necessary capital to cover these expenses.
Businesses need a consistent flow of money to pay bills, salaries, and other operational costs. Funding helps maintain a healthy cash flow, ensuring the business can meet its obligations.
When businesses want to expand into new markets, introduce new products or services, or hire more staff, they often need additional funding.
Businesses may need funding to seize opportunities such as investing, acquiring other companies, or expanding internationally.
If your business credit profile has little to no credit, it will be hard to gain an approval.
Your business credit profile should be built out properly.
ZATEGIC helps with building your business credit profile, monitoring it and repairing and restoring your business credit if you have made some mistakes in the past.
Please review our list of business services if you need additional help with these services.
Most people don’t understand that when starting a business and applying for funding, the banks will ask that you be a personal guarantor (PG). Therefore, you must ensure that your personal credit is in good shape. Not only is your personal credit score is important, but your whole credit profile.
If your personal credit profile has little to no credit, if you have derogatory remarks (collections, bankruptcy, foreclosure etc.) on your personal credit report it will be hard to gain an approval.
ZATEGIC helps with building your personal credit profile, monitoring it and repairing and restoring your personal credit if you have made some mistakes in the past.
Please review our list of consumer services if you need additional help with these services.
If your credit profile has credit card utilization above 30%, credit line approval will be more challenging.
ZAEGIC offers consulting for debt management.
Please review our list of consumer services and business services if you need additional help with these services.
If your debt-to-income ratio is above 50%, all loan programs will be challenging to gain approval.
ZAEGIC offers consulting for debt management.
Please review our list of consumer services and business services if you need additional help with these services.
Before you apply for business funding, make sure that your personal and business credit profiles are built up properly and are in good standing.
ZATEGIC’s funding team can assist with this.
Please review our list of consumer services and business services if you need additional help.
Review our funding minimums below and apply. These are a general guideline and funding approvals will be based on the health of your personal and/or business credit profile.
ZATEGIC Funding Team will review your application and will reach out to you to discuss your application in more details and request any other information to help you obtain funding.
ZATEGIC charges a 10% fee on any funding we obtain on your behalf. Our funding team will send you our Engagement Agreement for review and signature.
We leverage our relationships with lenders and match you with the best lenders that will approve you for funding based on the health of your personal and/or business credit profile.
ZATEGIC Funding Team will receive approvals and review the various funding offers from the lenders.
ZATEGIC Funding Team will review all offers with you and select the best options for you and your business.
In as little as 24-48 hours after you are approved and your funding selections are made you can have the funds you need.
Stay in touch with ZATEGIC! As time goes on you and your business may need additional funding.
If you accept credit cards or have regular bank deposits, you can get funding advanced to you for up to 200% (twice) of the amount of your monthly deposits.
Min Credit Score: 550
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Min Time In Bus: 6 months
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Min Monthly Rev: $8,000/mth
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Funding Range: up to $10 mil
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If you accept credit cards or have regular bank deposits, you can get funding advanced to you for up to 200% (twice) of the amount of your monthly deposits.
Min Credit Score: 550
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Min Time In Bus: 6 months
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Min Monthly Rev: $8,000/mth
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Funding Range: up to $10 mil
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All types of loans, including SBA Express, 7(A), Equipment Financing, Franchise Loans, Purchase Order Loans, Real Estate backed loans and even more
Min Credit Score: 650+
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Min Time In Bus: 2+years
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Min Monthly Rev: $20,000/mo
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Funding Range: up to $5 mil
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Money available to “draw” against that’s deposited into your bank account. Repayment plan based on what you borrow. Access to balance.
Min Credit Score: 650+
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Min Time In Bus: 2+years
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Min Monthly Rev: $20,000/mo
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Funding Range: up to $250,000
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Sell your accounts receivable to a lender at a discount, which the lender in turn provides an advance on payments for outstanding invoices.
Min Credit Score: 530+
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Min Time In Bus: 3 months
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Min Monthly Rev: $40,000/mo
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Funding Range: up to $5 mil
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ZATEGIC offers Unsecured Business Funding & Small Business Loans.
Min Credit Score: 680+
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Min Time In Bus: n/a
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Min Monthly Rev: $0 to $4k/mo
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Funding Range: up to $150,000
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Property Types offered: Retail, Mixed Use, Industrial, SFR 1-4, Warehouse, and Multi-family. Must own personal residence.
Min Credit Score: 660+
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Min Time In Bus: 6 months
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Min Monthly Rev: $8,000/mth
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Funding Range: up to $150 mil
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For financing new or used equipment and their associated soft costs.
Min Credit Score: 720+
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Min Time In Bus: 3+ years
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Min Monthly Rev: $14,000/mo
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Funding Range: up to $150,000
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Fastest access to an SBA loan with streamlined processes and documentation. Get pre-qualified today.
Min Credit Score: 720+
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Min Time In Bus: 3+ years
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Min Monthly Rev: $14,000/mo
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Funding Range: up to $150,000
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Funding for Underserved Communities – including business owners of color, low-income owners, and women.
Min Credit Score: 580+
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Min Time In Bus: 3+ years
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Min Monthly Rev: $6,000/mo
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Funding Range: up to $100,000
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Property Types offered: Retail, Mixed Use, Industrial, SFR 1-4, Warehouse, and Multi-family. Must own personal residence.
Min Credit Score: 660+
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Min Time In Bus: 6 months
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Min Monthly Rev: $8,000/mth
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Funding Range: up to $150 mil
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For financing new or used equipment and their associated soft costs.
Min Credit Score: 720+
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Min Time In Bus: 3+ years
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Min Monthly Rev: $14,000/mo
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Funding Range: up to $150,000
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We remove the complexities of securing business fundng with our streamlined application process, ensuring quick approvals and rapid funding. Our customized system is designed for ease of use, accessible from any device, making it convenient and efficient for yo to obtain the capital you need to grow your business.
This widely favored alternative lending option adapts to your company’s cashflow. And is based on your business revenue & future receivables.
No Minimum Credit Score
This is a great option to obtain quick working capital in as little as 24 hours.
Payments options are daily, weekly, or monthly terms
With our expertise and experience in securing funding for businesses, we have developed strategies and methods that have been successful in helping businesses achieve their financial goals.
This access can be a game-changer for businesses as it eliminates the burden of interest payments, making the funding more affordable and allowing you to allocate more resources towards your business growth.
ZATEGIC funding team also offers comprehensive support and guidance throughout the entire process. From the initial application to the final disbursement of funds, our team of experts will be there to assist you every step of the way.
Business funding refers to the financial resources a company secures to launch, operate, or grow. It’s essentially the money a business uses to cover expenses, invest in growth, and maintain its financial health.
Establishing business tradelines is the act of applying to and using accounts that report to the business credit bureaus.
A personal guarantee is an individual’s legal promise to repay credit issued to a business where they are an owner, executive, or a partner.
With business credit agreements, giving a personal guarantee essentially makes you a co-signer on the business credit account. You will remain liable for any debts the business incurs. You have given a “personal guarantee” that you will be responsible for the debt.
In practice, this means that your personal credit will undergo a hard inquiry, since you are putting your Social Security number on the credit application. With enough hard inquiries, your personal credit score will be adversely affected.
A vendor account is an account issued to a business with a vendor. It is sometimes reported to the business credit bureaus. The term trade account is common, but it is more accurate to call this account a vendor account.
When a businesses’ payment activity in relation to a new or continuously reported tradeline is recorded by a business credit bureau.
A business tradeline is referred to as newly reported if it is up to 6 months old and has reported payment experiences.
A business credit bureau is an agency that collects and researches data on businesses and sells it for a fee to lenders and credit issuers to make lending decisions. It may also be called a commercial business credit reporting agency, or a corporate credit bureau.
These are reports produced by business credit bureaus highlighting a business foundation, and reporting business credit history, scores and ratings. These reports are compiled to help lenders and business owners access risk.
A trade vendor is a vendor that issues trade credit, and trades product or services.
Business tradelines are vendor accounts reported by the vendor to a business credit bureau. This information is included in a specific location in a business credit report.
A continuously reported business tradeline is one that is over 6 months old that has reported multiple payment experiences.
You may be wondering: do business credit inquiries hurt my credit? Unlike with personal credit, anyone can pull your business credit reports. This does result in inquiries.
However, unlike with personal credit, business credit inquiries don’t negatively affect your Fundability or business credit scores with each business credit bureau.
A business credit history is the number of trade payment experiences which are reported on business credit reports. This includes payment terms.
A business credit profile is all the information included on all your business credit reports including all your business tradelines, business information, and business credit scores. Building your business credit profile means to improve accuracy and accumulate positive experiences and information which present your business in a favorable light.
Trade credit is issued by vendors to businesses for the purchase of goods or services.
EIN stands for Employer Identification Number. It is a nine-digit number assigned by the IRS, used to identify the tax accounts of employers and certain others with no employees. The IRS uses the number to identify taxpayers who are required to file various business tax returns. EINs are used by employers, sole proprietors, corporations, partnerships, nonprofit associations, trusts, estates of decedents, government agencies, certain individuals, and other business entities. Get your EIN for free directly from the IRS.
Business credit tiers are actually Credit Suite terminology. Our business credit advisors continually check and recheck vendors and other credit and business financing issuers. There are differences in terms of how easy or difficult it is to be accepted for credit, and what you may need to provide to qualify.
For example, business credit tier 1 is vendor credit, where you need very little to get started. You can qualify with few payment experiences on your business credit reports. You may be able to qualify with a short time in business, such as six months. Or you may be able to get around certain more stringent requirements by offering a personal guarantee or making a deposit to secure the credit.
And to get to business credit tier 2, you will need to have at least three trade accounts reporting to the business credit bureaus.
When a lending institution has more than just your personal credit scores to look at, they will review any other information which they believe will better answer their one big question: will you pay them back?
Because it’s possible to have good business credit with bad credit on the personal side. But if your business credit is good enough for a lender, they will weigh it more heavily in their decision.
Lending institutions will let your business credit guide them as they pull your business credit reports and look for a few things.
If the answers to these questions satisfy the lending institution, then you’re more likely to get a loan, although it will not necessarily be for exactly the amount you were originally seeking.
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