Fast and Flexible Business Loans Across the Nation
Secure Your Business Financing with Loans By Zip Code
At Loans By Zip Code, we provide tailored financing solutions designed to meet the diverse needs of businesses nationwide. Whether you need SBA loans, lines of credit, accounts receivable financing, unsecured loans, or equipment financing, we have you covered. Our focus is on speed, flexibility, and personalized service, ensuring you get the funding you need to grow your business.
When Bank say “No” - LoansByZipCode Says “Yes”
Why Choose Loans By Zip Code?
Quick Approval and Funding
Our streamlined process ensures you receive approval and funding fast, often within 24 hours. Avoid the lengthy waits and uncertainty of traditional financing.
Customizable Loan Options
We offer a variety of loan products with flexible terms to suit your specific needs. From SBA loans to equipment financing, we provide solutions that align with your business goals.
Free Business Consultant for Your Situation
Our team does more than just provide funding. With our free business consultation service, you receive expert advice and personalized support to navigate your business financing needs and ensure your success. Let’s find some tax advantages!
Our Loan Products
Lines of Credit
• Loan Amounts: $10,000 to $1 Million
• Terms: 6 Months to 10 Years
• Funding: 1-3 Days
• Benefits: Draw funds as needed, only pay interest on drawn amounts, perfect for working capital, inventory, payroll, projects, and equipment
• Qualifications: 6 months in business, $60,000 in annual sales, no minimum FICO
SBA Loans
• Loan Amounts: Up to $5 Million
• Terms: Up to 25 Years
• Funding: 90-120 Days
• Benefits: Fixed and variable options, prime rates, government-backed security, monthly payments
• Qualifications: $60,000 gross annual sales, 3 years in business, no loss in previous 2 years, tax returns, financials required
Unsecured Loans
• Loan Amounts: Up to $2 Million
• Funding: 48-72 Hours
• Benefits: No collateral required, no restrictions on use, custom payment plans (daily, weekly, monthly)
• Qualifications: Based on income, revenue, credit score, DTI
Commercial Equipment Financing
• Loan Amounts: $10,000 to $150,000
• Funding: Case-by-case approval
• Benefits: Equipment financing, no-revenue startup funding, corporate credit building
• Qualifications: 1 year in business, 650 credit score, startup funding above 650 credit score
Accounts Receivable Financing
• Loan Amounts: $10,000 to $5 Million
• Terms: 6 Months to 10 Years
• Funding: 1-5 Days
• Benefits: Lower interest rates, no additional collateral required, immediate cash flow improvement, time saved on receivable collections
• Qualifications: No minimum FICO score, aging report required, $500,000 annual gross sales
Success Stories
Loans By Zip Code provided the fast funding my business needed to expand operations. Their team made the process smooth and straightforward. I highly recommend their services!”
Jordan M.
Small Business Owner
How It Works
Apply Online
Fill out our simple application form with details about your business.
Get Approved
Our team reviews your application and provides an approval decision within 24 to 72 hours.
Receive Funding
Funds are disbursed quickly, allowing you to move forward with your business plans without delay.
Grow Your Business
Use the capital to expand your operations, hire new staff, purchase inventory, or cover other business expenses.
Ready to Get Started?
Don’t let financing challenges hold your business back. Contact us today to learn more about our business loan options and see how we can help you achieve your goals. Apply online or call us to speak with one of our loan specialists.
