0% Interest Rate Available

Get $5k to $500k Business Funding Without FICO Requirements

Access zero percent interest business loans designed exclusively for new merchant processing customers. No collateral required. Funding in 30-60 days.

No FICO Score

Not cash advances

Quick Approval

Funding in 30-60 days

No obligation. Quick application process.

Personal Loan Assessment and Loans concept. Financial loan agreement, Personal or business loans through online services between lenders and borrowers. Person using laptop laptop with loan icon.
0%
Interest Rate
$500k
Max Loan
36
Months

Why Choose VentureKap Business Loans?

We've designed our loan program to empower entrepreneurs with accessible, affordable funding that fuels growth.

0% Interest Rate

Enjoy zero percent APR on loans from $25,000 to $500,000 with a 36-month term for new payment processing clients.

Only $27.78/month per $1,000 borrowed

No FICO Score Required

These are true business loans, not cash advances. Qualify based on your merchant processing history, not your credit score.

6 months merchant account required

No Collateral Needed

Qualified businesses can access loans from $5,000 to $500,000 without putting up collateral or personal assets.

Unsecured business financing

Quick & Easy Process

Complete our simple application and receive funding in 30-60 days. Minimal paperwork, maximum efficiency.

Fast approval & funding

Merchant Processing

Must process a minimum of $15,000 per month in credit card sales volume through our certified payment partners.

Exclusive for new customers

Fuel Your Growth

Use funds for inventory, advertising, vehicles, real estate, or any business need. Invest directly in your company's success.

Flexible use of funds
NFC credit card payment. Woman paying with contactless credit card with NFC technology. Wireless money transaction. Card machine in male hand on sunlight background

How It Works: 3 Simple Steps

Getting funded has never been easier. Follow our streamlined process to access the capital your business needs.

1

Complete Application

Fill out our quick and easy online application. Provide basic business information and merchant processing history.

2

Get Pre-Qualified

Our underwriters review your application. Pre-qualification is based on your information and potentially a soft credit inquiry.

3

Receive Funding

Once approved, receive your funds in 30-60 days. Start investing in your business growth immediately.

Who Qualifies for 0% Interest Loans?

Our loans are designed specifically for businesses that meet certain criteria. See if you qualify today.

New Payment Processing Customer

This offer is exclusively for businesses that become new merchant processing customers with VentureKap's certified payment partners.

6 Months Merchant Account History

Your business must have an existing merchant account for at least 6 months before qualifying for a loan.

$15,000 Monthly Processing Volume

Merchants must process a minimum of $15,000 per month in total credit card sales volume to qualify.

Operating in Eligible States

Available to businesses operating in the US, except California, Nevada, North Dakota, and South Dakota.

Loan and lending cash for asset purchase concept. Digital interface featuring loan and financial icons, lending, interest rates, asset purchases, and financial management for individuals or businesses
Thousands
Entrepreneurs Funded

Ready to Fuel Your Business Growth?

Access up to $500,000 in business funding at 0% interest. No FICO score required. Get started in minutes.

0%
Interest Rate
30-60 Days
Funding Timeline
$500k
Maximum Loan

Secure application • No obligation • Fast processing