Business Loans With No Fixed Maximum
Compare working capital, term loans, lines of credit, SBA loans, and equipment financing side by side. One application, multiple offers, no hard credit check to see what you qualify for.
Working Capital • Business Term Loans • Business Line of Credit • SBA Loans • Equipment Financing
Top Rated
USA & Canada
No Collateral
100% Unsecured
Same Day
Fast Approval
What Is a Business Loan?
A business loan gives your company access to capital to cover expenses, purchase inventory or equipment, hire staff, or fuel growth — repaid over time on agreed terms. "Business loan" is really an umbrella term: it can mean a lump-sum term loan, a revolving line of credit, an SBA-backed loan, or equipment-specific financing, each suited to different needs.
FundZip isn't a single lender with one product — we match your business with the funding option that fits your situation, whether that's fast working capital, a longer-term SBA loan, or financing tied to a specific piece of equipment. You fill out one application and see your real options, not a generic quote.
How Business Loan Funding Works
1. Tell us about your business. Takes about 60 seconds — no hard credit check to see what you qualify for.
2. Get matched with funding options. We compare your profile against working capital, term loan, line of credit, SBA, and equipment financing programs.
3. Review your offer. See the amount, rate, and term before you commit to anything.
4. Get funded. Most approved applicants receive funds as soon as the next business day.
Requirements & Eligibility
Baseline eligibility is intentionally simple: your business should be operating for at least 3 months and generating revenue. We serve businesses across the U.S. and Canada.
There's no minimum credit score to check your options — we look at your business's revenue and health first, not just a credit report, so business owners with a wide range of credit profiles can see what they qualify for.
Rates, Terms & Amounts
There's no fixed maximum funding amount. The rate, term, and how fast you're funded depend on which product fits your business: SBA loans tend to offer lower rates and longer repayment terms but take longer to fund due to paperwork, while working capital, term loans, and lines of credit can fund in as little as a day but carry shorter terms.
Whether or not collateral is required also depends on the product — most working capital, term loan, line of credit, and merchant cash advance offers are unsecured, equipment financing is secured by the equipment itself, and some SBA loans may require collateral depending on the amount.