Same-Day Business Funding
Get funded in hours, not months.
Term Loans
$10K to $5M for established businesses. 5-minute application, same-day decisions, no impact to your credit score.
○ Applying will not impact your credit score
Decision Speed
Same-day
decisions available
Credit Friendly
Soft pull
Won't impact your credit score
Funding From
$10k–$5M
Across products
Process
Application to funding in one business day.
From application to funded in as little as one business day — four simple steps.
Apply in 5 Minutes
Complete a short online application with basic business details and your last 4 months of bank statements. Soft credit pull only — no impact to your score.
Hear Back Within 12 Hours
A dedicated funding specialist reviews your file and reaches out with next steps — typically the same business day.
Review Your Offers
Compare available funding options across multiple products. All rates, fees, and terms are disclosed up front with no obligation to accept.
Get Funded
Once finalized, funds are sent directly to your business bank account via ACH — or same-day wire if you need it faster.
Eligibility
Basic requirements for funding.
Most U.S. small businesses meeting these basic requirements are eligible to apply for funding.
6+ Months in Business
Your business must be operational for at least 6 months with consistent activity.
$10K+ Monthly Revenue
Demonstrate consistent monthly revenue of at least $10,000 to qualify for funding.
500+ Credit Score
Personal credit score of 500 or higher helps secure better funding terms.
Basic Documentation
Most recent business bank statements.
Products
Funding options built for speed.
Match your business with funding options designed to move quickly.
Term Loan
Term loans provide the financial resources your business needs to cover operational expenses, manage cash flow gaps, and take advantage of growth opportunities without disrupting your daily operations.
See Your Options →Applying will not impact your credit score
Product Details
Funding Amount
$10,000 – $500,000
Speed
As fast as 24 hours
Best For
Seasonal cash flow, inventory, payroll, growth
Common Use Cases
- Working capital
- Inventory purchase
- Marketing & expansion
- Equipment upgrades
Comparison
Kredzen vs Traditional Banks
Why small business owners choose modern funding over the bank down the street.
| Feature | Kredzen | Traditional Bank |
|---|---|---|
| Application Time | 5 minutes online | Hours of paperwork |
| Time to Decision | As fast as 1 business day | 2–6 weeks |
| Time to Funding | As fast as 1 business day | 30–90 days |
| Documents Required | Bank statements + basics | Tax returns, P&L, projections, business plan |
| Minimum Credit Score | 500+ | Typically 700+ |
| Collateral | Often not required | Usually required |
| Process | Dedicated specialist | In-branch visits, loan officer queue |
Comparison reflects typical industry standards. Individual bank policies and Kredzen offers vary based on applicant qualifications and underwriting review.
What our clients say
Ariel
Software
"The team was able to offer a free SBA consultation as we are looking to grow my business even more. Everything was broken up and easy to understand."
Verified Google Review
Matt
Insurance Agency
"Kredzen is wonderful to work with. They make everything smooth and seamless."
Verified Google Review
Maria
Industrial Parts
"Professional, easy to work with, and super fast. They were able to open my LOC in just a few days, with a competitive rate and no hidden fees."
Verified Google Review
Common Questions
See your funding options in 5 minutes.
No obligation. No impact to your credit. Decisions as fast as the same business day.