Qualification Requirements

Eligibility Criteria

Find out if your business qualifies for our 0% interest business loans. We've made the requirements clear and straightforward.

Do You Qualify?

To qualify for our 0% interest business loan program, your business must meet all of the following criteria:

1

New Merchant Processing Customer

This exclusive offer is available only to businesses that become new merchant processing customers with VentureKap's certified payment partners. You must be willing to switch your payment processing to one of our trusted partners.

Important: The 0% interest rate is contingent upon maintaining your merchant processing account with our certified partners throughout the loan term.

2

Existing Merchant Account for 6+ Months

Your business must have an established merchant processing account with at least 6 months of transaction history. This helps us verify your business's payment processing activity and stability.

Required:

  • • 6 months minimum history
  • • Active processing account
  • • Consistent transaction activity

Documentation:

  • • Processing statements
  • • Transaction reports
  • • Account verification
3

Minimum $15,000 Monthly Processing Volume

Merchants must process a minimum of $15,000 per month in total credit card sales volume. This demonstrates sufficient business activity and revenue to support loan repayment.

Monthly Processing Requirement: $15,000+

Higher processing volumes may qualify you for larger loan amounts up to $500,000.

4

Operating in Eligible States

At this time, 0% interest free loans are offered to businesses operating in the United States, with certain state exclusions.

Eligible:

All US states except those listed as excluded

Excluded States:

California, Nevada, North Dakota, South Dakota

Additional Requirements

Business Documentation

All applicants must provide standard business documentation to verify legitimacy and operating status:

Valid business license
Federal Tax ID (EIN)
Articles of incorporation
Business bank statements

Financial Health

While we don't require a specific FICO score, we do evaluate your business's overall financial health:

Consistent revenue and processing activity over the past 6 months

No recent bankruptcies or major financial judgments

Ability to demonstrate repayment capacity based on cash flow

Compliance & Legal

VentureKap complies with federal lending regulations and requires all borrowers to meet legal standards:

Truth in Lending Act (TILA)

Fair Credit Reporting Act (FCRA)

Equal Credit Opportunity Act (ECOA)

Ready to Check Your Eligibility?

If you meet all the criteria above, you're likely eligible for our 0% interest business loan program.

Start Your Application

Additional Considerations

Credit Requirements

While we don't require a minimum FICO score, we may conduct credit inquiries as part of the underwriting process.

  • Soft credit inquiry for pre-qualification
  • Hard inquiry required for final approval
  • Payment history reported to credit bureau

Business Documentation

You'll need to provide standard business documentation to verify your eligibility and process your loan application.

  • Federal Tax ID (EIN) and business license
  • Bank statements and financial records
  • Merchant processing statements (6 months)

Compliance Standards

VentureKap adheres to all federal lending regulations to ensure fair and transparent lending practices.

  • Truth in Lending Act (TILA) compliance
  • Fair Credit Reporting Act (FCRA) compliance
  • Equal Credit Opportunity Act (ECOA) compliance

Underwriter Discretion

All credit decisions are made by our underwriters based on a comprehensive review of your application.

  • Individual case-by-case evaluation
  • Final approval at underwriter's discretion
  • Right to change or withdraw rates

Ready to See If You Qualify?

Check your eligibility today with no obligation. Our simple application takes just minutes to complete.

Check My Eligibility