Zool Capital P2P Business Loans

Borrow up to $2 million to grow your business with a peer-to-peer business loan from Zool Capital.

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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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Finder Score Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
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$25,000
$2,000,000
6 months to 4 years
Apply for a loan from $25,000 to $2,000,000 Repayments are made in monthly instalments over a period of to 4 years.
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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

Sources

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Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

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Elizabeth has written 202 Finder guides across topics including:
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2 Responses

    Default Gravatar
    KayeJanuary 31, 2025

    What is your interest rate for unsecured business loan?

      Sarah Megginson's headshotFinder
      SarahFebruary 4, 2025Finder

      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!

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