Zool Capital offers business loans to start, buy or grow a business, with funding typically ranging from $20,000 to $500,000, and up to $2 million on property-backed transactions. Loan terms generally run from 6 months to 3 years, with flexible options including interest-only periods, milestone-based repayments. Applications are submitted online and assessment is fast, depending on the deal structure.
Zool uses risk-based pricing, with rates determined by the strength of the business, cash flow, security position and the borrower's capability to execute. Interest rates typically range from 15% p.a. to 22% p.a. depending on risk profile. Establishment fees also apply and vary based on transaction size and structure.
While banks focus heavily on historical financials, Zool Capital evaluates the strategy and forward potential of the business, supporting entrepreneurs who are starting a business, purchasing an existing business, or investing in growth. Zool also operates a private lending marketplace, connecting approved borrowers with qualified investors for faster access to capital.
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How to apply for a Zool Capital business loan
When applying online for a business loan, you'll need to meet key criteria:
- Being at least 18 years of age
- Having an active Australian Business Number (ABN) or Australian Company Number (ACN)
- Able to supply details of revenue, turnover and any relevant securities for the loan
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What is your interest rate for unsecured business loan?
Hi Kaye,
Your interest rate will depend on your business income and debts, the amount you wish to borrow, and other variables. You should contact Zool Capital for a personalised quote. Hope this helps!