Inventory & restock
Buy stock ahead of a busy season and keep your shelves full when orders spike.
Open 24/7 · Revenue-based funding
Fundingthatarrivescalm,notchaotic.
Tell us about your business. We build funding around the revenue you already earn — matched in minutes, simple, private, and pressure-free.
Decision in minutesAdvance up to $5,000No credit-score impact
No credit-score impact to check your options256-bit bank-level encryptionFunds as soon as the next business day50+ funding partner networkFree, no-obligation reviewOpen 24 / 7 / 365Self-employed & small business, 18+No credit-score impact to check your options256-bit bank-level encryptionFunds as soon as the next business day50+ funding partner networkFree, no-obligation reviewOpen 24 / 7 / 365Self-employed & small business, 18+
Why FundsZen
Built to feel effortless, backed by real protection.
An advance, not a loan — and no APR.
A merchant cash advance buys a set share of your future sales for a fixed cost, so you remit as you earn. Reviewing your options is always free, and there are never upfront fees.
$5,000
Advance up to this amount, entirely online.
Minutes, not days
Most people see their options in the same session they apply.
Any hour, any day
Open 24 / 7 / 365
Bank-level security
Your details travel over 256-bit encryption and are never sold to advertisers.
Three calm steps between you and the cash.
From first tap to funded, here is the whole journey. No rush, no runaround.
01
Takes about 2 minutes
Tell us what you need
Choose an amount and share a few basics about your business. Two quiet minutes, no paperwork, no phone tag.
02
No hit to your credit score
We find your matches
We review your revenue and check a network of 50-plus funding sources, surfacing only the advances your business genuinely qualifies for.
03
As soon as the next business day
The money lands
Pick the terms that fit your cash flow, sign online, and watch funds land in your business account as soon as the next business day.
Whatever your business needs next, this can help fund it.
Get startedOwners come to us stressed. They leave a little lighter.
I needed to restock before a holiday rush and had real advance options in my inbox before my coffee got cold. It was built around my sales, not my credit score.
The calmest funding experience I've had for my shop. I picked the advance that fit my cash flow and the funds showed up the next morning.
I remit as I earn, so slow weeks don't sting. One place, one review, instead of ten separate applications.
Questions, answered
The details, without the fine-print dread.
No. A merchant cash advance is the purchase of a portion of your business's future sales for a fixed cost paid up front. It is not a loan, the cost is not interest, and it is never expressed as an APR. You remit a set share of revenue as you earn.
No. Reviewing your funding options uses a soft inquiry and does not affect your credit score. Verification after you accept an offer may involve additional review of your business.
Advances go up to $5,000. The amount your business is actually offered depends on your revenue, our review, and the details you provide.
Many owners see options within minutes of applying. Once you accept an offer, funds can arrive in your business account as soon as the next business day.
Nothing. Reviewing your options is free, and we never ask you to pay a fee in advance for funding. The cost of an advance is a fixed amount agreed up front in your revenue purchase agreement.
FundsZen is for self-employed individuals and small businesses using funds for commercial purposes only. It is not a consumer product. You must be at least 18, a US citizen or legal permanent resident, and authorized to act for the business.
Questions before you apply? Ask away.
We fund revenue-based advances for small businesses, and checking your options is free. If anything is unclear, a real person will walk you through it, no pressure to apply.
Real people, no bots
You reach our actual support team, not a script.
Zero obligation
Asking a question never starts an application.
Usually the same day
Most messages get a reply within a few hours.
Send us a note
Open 24/7Right now it's late. We're open.Money stress keeps
Money stress keeps
strange hours. So do we.
One short request, an advance up to $5,000, options in minutes. Built around your revenue, zero cost to check, and we never close.
Get funded nowChecking never affects your credit score.