Unlock Financial Flexibility with a Business Line of Credit

  • Exclusive Offerings, Fast Fundings

    Our line of credit source works exclusively with the top brokerages in the country and provides many distinct advantages over other funding options. Avoid over complicated, drawn out document and information requests made industry standard by large banks and take advantage of our streamlined, efficient application process instead. They are capable of funding your business in as little as five days.

  • Capital When You Need It

    Access funds freely without the added hassle of reapplying. Use it when you need it, pay it off when you can, and the best part - no prepayment or maintenance fees! We only partner with straightforward lenders and ensure that all of our clients are well informed with the pros and cons prior to making any decisions.

  • Flexible Use of Funds

    Use your business line of credit to consolidate business debts, manage cash flow, seize opportunities and handle unexpected expenses. Whether covering payroll, purchasing inventory or investing in growth initiatives, this financial tool offers the flexibility to act quickly and efficiently, improving creditworthiness and fostering financial stability. You can even use it as a bridge while awaiting SBA 7(a) or other funding!

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What We Offer

  • Monthly interest charge as low as 1.5% for highly qualified borrowers with a max of 4%
  • Max loan amount of $1,000,000
  • Close in as little as 5 days
  • Revolving period of up to 1 year with unlimited draws
  • Max payback period of up to 3 years
  • Can be used as a bridge loan
  • Points only charged on money withdrawn
  • No maintenance or prepayment fees
  • Consolidate high interest debt or use the money for any legitimate business purpose
  • Interest only options available

Consult your tax advisor for information about how to deduct your interest expense

    Please note: We do our best to provide clear and conspicuous terms, however, all information provided above is subject to change at our lender's discretion. Please see minimum requirements below. Terms may vary between lenders.

    Last Updated: 3/7/24

    Minimum Program Requirements

    Preferred Industries

    Borrower Requirements (subject to change at lender discretion, additional restrictions apply)

    • Minimum Equifax credit score of 551
    • Minimum 1 month time in business (same ownership)
    • Minimum monthly sales of $17,000

    Preferred Industry Types

    • Acute Care Facility
    • Auditory Center
    • Automotive Parts Store
    • Automotive Repair
    • Automotive Services
    • Bakery / Catering
    • Bar
    • Barber Shop
    • Beauty Salon
    • Bed & Breakfast
    • Bicycle Shop
    • Book Store
    • Bowling Alley
    • Café in Fitness Center
    • Cancer Radiology Center
    • Cancer Treatment Facility
    • Candy Store
    • Car Wash
    • Cheese Store
    • Chiropractor
    • Cigar Store
    • Coffee Shop
    • Cosmetic Surgery
    • Dentist / Orthodontist
    • Diagnostic Imaging Center
    • Doctor
    • Dry Cleaner
    • Drug Store
    • Florist
    • Food Gift Basket Store
    • Gourmet Food Store
    • Gourmet Popcorn Store
    • Grocery Store
    • Hardware Store
    • Home Healthcare
    • Hospital
    • Hotel / Motel
    • Ice Cream / Yogurt Store
    • Liquor Store
    • Mail & Package Store
    • Mall Food Outlet
    • Medical Spa
    • Movie Theatre / Playhouse
    • Nail Salon
    • Nightclub
    • Nursing Home
    • Optical / Vision Store
    • Pet Grooming / Boarding
    • Pet Store
    • Pharmacy
    • Photo Studio
    • Physical Rehabilitation
    • Prepackaged Meals
    • Quick Copy
    • Printing
    • Restaurant
    • Retail Store
    • Smoothie Shop
    • Spa
    • Sporting Goods Store
    • Tavern
    • Urgent Care Facility
    • Veterinarian

    Last Updated: 3/7/24

    Additional Approved Industries

    Borrower Requirements (subject to change at lender discretion, additional restrictions apply)

    • Minimum Equifax credit score of 601
    • Minimum 2 years time in business (same ownership)
    • Minimum monthly sales of $17,000

    Approved Industry Types

    • Accountant
    • Aerospace
    • Alternative Energy Production
    • Architect
    • Architectural Services
    • ATV / Golf Cart Dealer
    • Bottling & Distribution
    • Brewery
    • Building Equipment
    • Building Materials
    • Business Services
    • Cable & Satellite TV Production
    • Chemical & Related
    • Manufacturing
    • Commercial Cleaning Services
    • Commercial Inspection Services
    • Commercial Landscaping & Design
    • Communication Company
    • Computer Software
    • Defense Contractor
    • Defense Electronics
    • Distillery
    • Drug Manufacturing
    • E Commerce
    • Electronics Manufacturing
    • Engineer
    • Food Manufacturing
    • Food Processing & Sales
    • For-profit Education
    • IT Hardware Sales
    • IT Services
    • Legal Services
    • Locksmith & Security
    • Manufacturing
    • Meat Processing & Products
    • Medical Equipment & Supplies
    • Nutritional & Dietary Supplies
    • Pharmaceuticals & Health Products
    • Podcast Producer
    • Printing & Publishing
    • Professional Sports Arena
    • Radio Station / Services
    • Sports Equipment & Services
    • Steel Fabricator
    • Steel Production
    • Telecom Services & Equipment
    • Textiles
    • Tractor & Lawn Mower Sales
    • TV Station / Services
    • Waste Management
    • Wholesale
    • Winery

    Last Updated: 3/7/24

    Other Areas We Specialize In

    • SBA 7(a) and Conventional Term Loans
    • Working Capital Solutions
    • Airport Concessionaire (ACDBE) Financing
    • Contract Financing
    • Merchant Cash Advance
    • Commercial Real Estate Loans
    • Equipment Financing and Leasing
    • Franchise Financing
    • Consulting Services
    • Specialized Industry Financing
    • Government Grants and Incentives

    Let's Get Started

    The first step is to schedule a no-obligation consultation to see if Zoa Financial is a good fit for your business.

    I'm Ready