Flexible financing solutions designed for small businesses
Our directly funded financial products are tailored to meet the specific needs of small businesses. Whether you prefer to make fixed payments or variable deposits based on your sales, we have the right product for you.
Our financial specialist will help you assess your financial needs and recommend the best solution for your business.
Zinch Merchant Cash Advance (MCA)
Peace of mind: The credit decision depends on your business sales, not on personal credit. With Zinch Merchant Cash Advance, thereʼs no need to provide collateral or a personal guarantee.
Zinch Loan
Flexible Terms: We will help you to define the ideal length of the loan. Our terms range from 3 to 12 months. If you want to pay early, we won't charge a prepayment penalty.
Why do our clients love Zinch?
Maybe itʼs because we really understand small business owners?
Or…maybe itʼs the ready cash? Possibly…both.
In any case all, of our products are designed expressly for the needs of todayʼs small business owners.
Fast and easy
Fill out a short application,
and youʼll get a decision within 24 hours.
No delays, no maybes.
Flexible
Whether you prefer to make fixed
payments or variable deposits
based on your sales, we have the
right product for you
Expert advice
Our specialists get small business.
Theyʼll guide you through the process,
and help you choose the terms that
best fit your business needs.
Itʼs A Zinch. Hereʼs how we work:
Contact us
Give us a call or fill out an online form to connect with a friendly representative who will discuss your needs and request any additional information.
→
Review your customized proposal
Once approved, your Zinch's specialist will discuss the financing alternatives available to you, and help you find the one that best fits your needs.
→
Sign
Once youʼve reviewed the proposal, you can securely sign the documentation online.
→
Receive your funds
You should receive your approved funds within
48 hours!
PRODUCT DETAILS
The minimum requirements to apply are:
- Being in business for more than 6 months
- Having at least $10,000 in sales per month
Zinch loan amounts range from $10,000 to up to $250,000, and the length of the term is typically between 3 and 12 months. Our representatives will work with you to arrive at the right amount and term for your business loan.
The main difference between the Zinch Merchant Cash Advance (MCA) and the Zinch Loan is that Zinch MCA has variable payments that fluctuate with the sales of the business, while the Loan payments are fixed. Zinch MCA is paid back with automatic (percentage-based ) withdrawals from your credit card receipts.
Payments are flexible. If your sales go down, good news: so do your payments.
There is no personal guarantee required.
- Payments are fixed. So you can budget and plan ahead.
- Faster funding process. There’s no need to involve the credit card processing company.
- Easier to qualify. Term loans require no minimum for credit card sales.
Zinch places no restrictions on how you choose to use the money. Common uses include the purchase of inventory, purchase of equipment, remodeling, expansion, advertising, payoff debt and taxes. But it’s entirely up to you!
Still have some questions?
Call us at: (714) 969-7878
Or check our FAQs
