Follow these simple steps to apply for your 0% interest business loan. Our process is designed to be quick, transparent, and straightforward.
Fill out our secure online application form with basic information about your business, including business name, type, revenue, and merchant processing history.
After submitting your application, we'll request specific documentation to verify your business and merchant processing history. This helps us process your application quickly.
Our underwriting team reviews your application and documentation. We may conduct a soft credit inquiry for pre-qualification, but final approval requires a hard credit inquiry.
Upon approval, you must switch your credit card processing account to a VentureKap certified vendor for both in-store and online transactions. This is a requirement to receive funding.
After completing 14 consecutive days of credit card transactions on our certified platform, funding will be processed. Funds will be deposited directly into your business account 30-60 days after the transaction requirement is met.
Gather these documents before you start your application to ensure a smooth and speedy process.
Not all documents may be required for every application. Our team will review your initial submission and request only the necessary documentation to complete your loan approval. Having these documents ready will expedite the process.
It's important to understand the difference between pre-qualification and final loan approval in our process.
Initial Assessment: Based on information you provide and potentially a soft credit inquiry
No Impact: Soft inquiries do not affect your credit score
Not a Guarantee: Pre-qualification does not guarantee loan approval
Quick Process: Receive preliminary results within 24-48 hours
Full Review: Requires hard credit inquiry and complete documentation
Underwriter Decision: All credit decisions made by underwriters in their sole discretion
Rate Confirmation: Final rates and terms confirmed at this stage
Binding Agreement: Once approved, you'll receive your loan contract
Prequalified merchants are based on the information you provide and potentially a soft credit inquiry. Receiving prequalification does not guarantee that we will extend you an offer of credit. You are not yet approved for a loan or a specific rate.
All credit decisions, including loan approval, if any, are determined by our underwriters, in their sole discretion. All credit decisions require a hard credit inquiry. We reserve the right to change or withdraw the prequalified rates at any time.
Complete the form below to begin your application. Our team will contact you within 24 hours to continue the process.
Questions about the application process?
Contact Our Team