About ZotoFunding
ZotoFunding is a business loan brokerage helping US businesses access fast, fair financing. We connect businesses with trusted lenders for working capital, equipment financing, lines of credit, short-term loans, invoice financing, and SBA prep. Our values are speed, transparency, and integrity. Sister brand to ZotoDialer.
Our Team
Our experienced team is passionate about supporting the growth of American businesses. With decades of combined expertise in business lending, underwriting, and customer care, we make your funding journey simple, fast, and transparent. We’re dedicated professionals committed to earning your trust—every step of the way.
Our Values
- Speed — Fast approvals and funding for your business needs.
- Transparency — Clear, upfront terms. No hidden fees or surprises.
- Integrity — Honest guidance, ethical service, and trusted by our clients.
How It Works
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1
Apply Online
- Simple, secure digital form
- No upfront fees—ever
- Takes just minutes to complete
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2
Get Matched to Lenders
- We review your information
- Get matched with top business lenders
- Multiple loan options—one application
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3
Receive Funds Fast
- Quick approval decisions
- Funds deposited in as little as 24 hours
- Support every step of the way
ZotoFunding Benefits
Why Choose Us?
- Get funded fast with a trusted, transparent process.
- Business capital solutions tailored to your unique needs.
- Serving businesses nationwide—any industry, any stage.
- 24–48 Hour Funding
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- Get approved and funded in as little as one business day.
- Speed up your business growth—no waiting weeks.
- 10-Minute Application
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- Apply online in minutes—no paperwork or hassle.
- Simple, mobile-friendly process for busy owners.
- All Industries Welcome
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- We serve every industry—no business is too unique or too new.
- Startups and established businesses are eligible.
- National Lender Network
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- Access 100+ vetted lenders for more options and better rates.
- One application unlocks multiple offers.
- Flexible Terms
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- Short or long-term, fixed or variable—choose what fits best.
- Options to fit your business goals and cash flow.
Our Loan Products
Flexible funding for your business
ZotoFunding offers a range of business financing solutions to help your business grow.
- • Fast decisions
- • Simple qualifications
- • No upfront fees
Working Capital
- • Flexible funds for any business need
- • Ideal for payroll, inventory, or expansion
Equipment Financing
- • Upgrade or purchase equipment quickly
- • Flexible terms for nearly any industry
MCA (Merchant Cash Advance)
- • Flexible, sales-based repayment
- • Great for variable revenue businesses
Why Choose ZotoFunding?
Fast, Fair Business Funding. No Surprises.
Get the capital your business needs with speed, transparency, and integrity. Experience a streamlined, secure process backed by a national lender network—no upfront fees, ever.
- Speed
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Quick approvals and funding—most decisions in hours, not days. Get back to business, faster.
- Transparency
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Clear terms, no hidden fees, and honest guidance at every step. Know exactly what to expect.
- Integrity
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Your best interests drive our recommendations. We’re invested in your business success.
- No Upfront Fees
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Apply risk-free—pay nothing until you’re funded. No application or consultation charges.
- National Lender Network
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Access a wide range of reputable lenders for the best options tailored to your business goals.
- Secure Application
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Your data is protected with bank-level encryption and security best practices.
Why Work With a Broker Instead of a Single Lender?
Get more options, better rates, and faster funding by letting ZotoFunding connect you to the best offers—no upfront fees, one simple application.
- Access Multiple Offers Choose from a network of vetted lenders
- Better Rates Through Competition Lenders compete for your business
- Higher Approval Odds More options mean more ways to get funded
- Faster Underwriting Streamlined process with expert support
- One Application → Many Lenders Save time and paperwork
Basic Eligibility
To qualify for fast funding, your business must meet these essentials:
- Minimum 3–6 months in business
- Monthly revenue of $8,000+
- U.S. or Canadian registered business
- Valid business bank account
Industries We Serve
Fast, flexible funding for businesses in every major industry. ZotoFunding connects you to capital—no matter your field.
- Construction
- Retail
- Restaurants
- E-Commerce
- Manufacturing
- Transportation
- Professional Services
- Healthcare
- Trades
- Technology
- Automotive
- Real Estate Services
Funding Types by Revenue Level
See which funding options typically fit your monthly revenue range. Actual eligibility may vary based on business profile and lender requirements.
| Monthly Revenue | Sample Funding Types |
|---|---|
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1
$8K–$25K/mo
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2
$25K–$50K/mo
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3
$50K–$100K/mo
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4
$100K+/mo
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Common Uses for Funding
Business funding can help companies grow, stabilize, and seize new opportunities. Here are the most common ways businesses use fast capital from ZotoFunding:
- Payroll
- Inventory
- Equipment purchases
- Expansion
- Marketing
- Cash flow gaps
- Emergency expenses
- Hiring staff
Reasons Applications May Be Declined
We believe in transparency. While we work hard to match businesses with funding, some applications are declined for these common reasons:
- Multiple overdrafts or negative days
- Insufficient revenue
- Recent bankruptcy
- Too many open advances
- High-risk or restricted industries
If you have questions about your eligibility, contact us — we're here to help.
Our Promise to Your Business
ZotoFunding builds trust by always putting your interests first. Here’s what you can expect every time you work with us:
- No upfront fees
- No pressured sales
- Clear communication
- Honest guidance
- Fast responses
- Respect for your time and business
Customer Testimonials
Real feedback from businesses who found fast funding with ZotoFunding. See how we help companies like yours grow and thrive.
“ZotoFunding got us approved and funded in just two days. The process was fast and easy—absolutely recommend for busy owners!”
“We needed equipment fast. ZotoFunding delivered on their promise—no upfront fees, clear terms, and great support throughout.”
“Impressed by their speed—funds hit our account in 24 hours. I trust ZotoFunding for our future business needs!”
“ZotoFunding was the only lender that truly delivered on speed and integrity. Application was simple, and we felt supported every step. Funds arrived faster than expected!”
“ZotoFunding made the process seamless for our dental practice. The team was transparent and truly cared about our success.”
“Fast approval, clear communication, and flexible options. ZotoFunding helped us bridge a cash flow gap and keep growing!”
Frequently Asked Questions
Everything you need to know about applying for fast business funding with ZotoFunding.
- Does this affect my credit?
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- Your initial application does not require a hard credit pull.
- A hard inquiry is only performed if you accept a lender’s formal offer.
- What are the rates?
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- Rates depend on your business profile and the lender’s criteria.
- We match you to the best offers available in our network.
- No fees to apply or review offers.
- How fast can I get funded?
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- Some clients receive same-day funding.
- Most are funded within 24–48 hours after approval.
- Timing depends on lender and required documentation.
- What documents do I need?
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- 3 months of business bank statements
- Government-issued ID (such as driver’s license or passport)
- Basic business information
- Some lenders may request additional documents
Apply for Business Funding
- Fast, fair business funding with no upfront fees.
- Get pre-qualified in minutes.
What is an MCA?
A Merchant Cash Advance (MCA) provides businesses with quick access to working capital by selling a portion of future sales. It’s flexible, fast, and based on your daily revenue, not your credit score.
- Fast funding
- Flexible payments
- No collateral required