Working Capital • Business Lines of Credit • Business Term Loans • SBA Loans • Equipment Financing
USA & Canada
100% Unsecured
Fast Approval
Your business doesn't have time to wait weeks for bank approvals. That's why we've simplified everything. Apply in minutes and receive a decision the same day.
We fund:
Whether you need cash to expand, cover expenses, or smooth out cash flow — we've got you covered.
*Results shown are for illustration purposes only. Applications are subject to approval.
Most clients receive approval within hours and funding within 24 hours.
If you’ve been in business at least 3 months and generate revenue — you’re already halfway there.
Most of our funding options are unsecured and uncollateralized — keep your assets safe.
We proudly serve all U.S. states and Canadian provinces.
We lend directly and work with top-tier funding partners to find your best possible offer.
Every business is unique — but all need fast access to capital. From restaurant business loans and construction financing to retail funding and startup business loans, we’ve funded companies in nearly every industry:
Whether you’re growing, recovering, or launching something new — we can help make it happen.
It takes less than 3 minutes.
Get matched to your best funding option (same day).
As soon as 24 hours.
No credit pull to get started. No long forms. Just fast results.
“We applied on a Monday and had funds in our account by Tuesday. It couldn’t have been easier.”
— Ryan M.
Construction Company Owner
“Finally, a lender that actually moves fast. We doubled our inventory in one week.”
— Tanya S.
Retailer in Ontario
“We used the funds to restock after the holidays... Got approved on a Friday, funded by Monday.”
— Jenna P.
E-Commerce Owner
“We needed funds to take on a big landscaping project, but the bank said it would take weeks. These guys got us approved in hours and funded by the next day. We finished the job and landed two new clients.”
— Aaron K.
Landscaping Services – Phoenix, AZ
“No endless forms, no back-and-forth emails. Just a quick application and a same-day approval. I wish I’d found them sooner.”
— Melissa J.
Boutique Owner – Nashville, TN
“When our delivery van broke down, I thought we’d be stuck for weeks. Instead, they helped me get the money fast to replace it and keep our routes running.”
— Robert L.
Courier Company – Columbus, OH
“I’ve dealt with lenders that made things complicated. Not here. They walked me through everything clearly and delivered funds exactly when promised.”
— Tyler B.
HVAC Company – Denver, CO
Your information is always secure. We use bank-grade encryption and never share your data without consent. Our platform connects you directly to trusted, verified lending partners.
Licensed to fund businesses in all 50 U.S. states and every Canadian province — wherever your business is located, we can help.
It depends on the product. Working capital loans, business term loans, lines of credit, and merchant cash advances are unsecured — no collateral needed. Equipment financing is secured by the equipment itself, and some SBA loans may require collateral depending on the amount.
No. Checking your funding estimate has no impact on your credit score.
Most applicants are approved within hours and receive funds as soon as the next business day.
If your business has been operating for at least 3 months and generates revenue, you're already halfway to qualifying.
Yes. We proudly serve businesses across all 50 U.S. states.
Yes. We proudly serve businesses across all U.S. states and Canadian provinces.
We offer working capital loans, business term loans, business lines of credit, merchant cash advances, SBA loans, and equipment financing — matching you with the option that best fits your business.
Yes. We work with business owners across a wide range of credit profiles, and there's no hard credit check to see what you may qualify for. We focus on your business's revenue and health, not just your credit score.
A business loan gives you a lump sum repaid on a fixed schedule. A merchant cash advance provides an advance against your future sales, repaid as a percentage of revenue as you earn it. We'll help you find the option that fits your cash flow.
Once your business has at least 3 months of operating history and generates revenue, you can apply. If you're earlier than that, check back once you hit that mark — we'd love to help you grow from there.
Yes — we offer SBA 7(a) and 504 loan programs alongside faster alternative options like working capital loans and lines of credit. SBA loans are backed by the government and typically take longer to fund due to extensive paperwork; if you need cash sooner, we can walk you through faster options too.
Yes. We offer equipment financing to help you purchase vehicles, machinery, or other business equipment, with the equipment itself typically serving as collateral.
FundZip works with a network of trusted, verified lending partners to match your business with the right funding option. When you apply, your application is processed through our secure partner network to get you the fastest possible decision.
Access the funding your business needs in as little as 24 hours — with no fixed maximum, no collateral, or long paperwork.
Apply now and get approved today.
