FundsZen helps qualifying small businesses and self-employed individuals access revenue-based merchant cash advances. These products are available only to self-employed individuals and small businesses for commercial purposes; they are not a consumer product and are not offered for personal, family, or household use. A merchant cash advance is not a loan — it is a purchase of a set share of your future sales, paid to you as a lump sum today. What you remit is a fixed, agreed amount rather than interest, and it is never expressed as an annual percentage rate.
Whether you qualify, how much you receive, and the terms you are offered depend on your business's revenue and are confirmed through review and verification. FundsZen may provide funding directly and/or connect you with third-party funding sources, in which case that funder's own agreement governs the transaction. Availability and terms vary by state, and funding is not offered everywhere. Reviewing your options is a soft inquiry that leaves your credit score untouched.