Empower your clients with seamless access to funding directly through your platform

First, we establish secure connection between our systems. Then, we use revenue data from your platform and combine it our underwriting guidelines and data to make an offer to your client.

Depending on the type of connection that we use, we can get you up and running in as little as two weeks.

Contact our team to learn see how easy it is to start working with us.

Yes, we’ll take care of everything. This means that we’ll provide the capital for funding, do the underwriting and service the loans. We will also ensure compliance and handle all customer service calls.

We can provide funding amounts between $10,000 and $250,000 to each merchant.

Zinch uses its own capital and its lines of credit to provide the financing capital.

When extending financing, we perform a soft credit pull so the Merchant’s credit score is not impacted.

We use a variety of factors to make financing decisions, with a special focus on business performance and sales history. We don’t check merchants’ credit scores. This means that we can offer financing to a wider swath of merchants. Also, merchants don’t have to worry about their credit scores being affected by financial products that they ultimately don’t qualify for.

Our product is a cash advance on future sales. So, we don’t charge an interest rate. Instead, we charge a funding markup which is more like a flat fee. This fee will vary depending on multiple factors.