Capital shaped to the business you’re building.
You’ve already done the hard part: you built something real. Now imagine the next move fully funded, without the 40-page bank packet. One short application puts you in front of national banks, regional lenders and credit unions, and we match you with the program that fits.
Good businesses get turned down every day. Usually for the wrong reasons.
Come back when you’ve been open two years.
Your customers aren’t waiting two years. Neither should your growth. Several of our programs need no minimum time in business at all.
We’ll have an answer in 60 to 90 days.
Opportunities have deadlines. Working capital can land in your account in 24 to 48 hours, and lines of credit can fund the same day.
Your credit isn’t quite where we need it.
One number shouldn’t decide your future. We have programs with no minimum FICO, and we’ll show you how to open the doors that are closed today.
The right capital already exists for your business. The hard part is finding it. That’s the work we do for you.
Find my match in 30 secondsNine ways to fund your next move. One partner to find the right one.
Every business has a different shape. Choose what matters most right now and see the programs built for it, with the real qualifications up front.
Qualifications shown are typical minimums. Final amounts, rates and terms depend on lender underwriting and your full profile. *Talk with your tax advisor about deducting equipment purchases.
Answer four questions. See where you already qualify.
No credit check and no contact details needed. As you answer, the programs you qualify for show up on the right.
This is a guide, not an approval. Every program is subject to lender underwriting. Answers above start on an example profile; change them to match yours.
Lock in my pre-qualification →From application to funded, with someone guiding you at every step.
You’ll always know what’s happening, what comes next and what it costs. We go over the details with you before anything is signed.
Apply in minutes
Send a one-page application, plus your recent bank statements or a credit report depending on the program.
Get pre-approved
We put your file into underwriting and come back with a pre-approval and the programs that fit.
Strategy call
A banking-relations specialist goes over each option with you so you can choose what makes sense for your business.
Clear agreement
You review a simple agreement, and we hold a compliance call so every detail is understood before we move forward.
Get funded
We connect you with our lenders and bankers. You receive your capital and put it to work.
Built to carry your business forward.
Most owners spend weeks chasing one lender for one answer. Zircon Ark Group works the other way: one conversation and one application put every serious funding path on the table, from a startup’s first credit line to a $10M expansion. That’s the Z in our name. We cover your options from A to Z, so you never wonder what you missed.
The ark is our promise. Slow seasons, cash crunches, the big leap you’ve been planning: we carry your business through each one and deliver it to the capital that gets it where it’s going.
A wider door
We work with national banks, regional banks and local credit unions. You get access to lenders you’d never reach by walking into one branch.
Built for where you are
Pre-revenue startup or a ten-year operator, strong credit or bruised: there’s a program on the table for you, and we know which one.
Credit that compounds
Our bank lines and 0% cards build your business credit profile and keep it separate from your personal utilization. Each funding makes the next one easier.
Aligned with your success
No upfront fees. We’re paid when you’re funded, so our only goal is to get you approved for the capital you need.
If one of these sounds like you, you’re closer to funding than you think.
Every business that calls us has a story. These six come up again and again. Find the one that sounds like yours, then picture your next step already funded.
The bank said “come back next year.” The second location couldn’t wait.
Three busy years, packed weekends, and a landlord holding the lease for 30 days. The bank wanted more time and more collateral.
What changes: one lump sum with a fixed monthly payment the restaurant can plan around, so the lease gets signed while it’s still on the table.
A new contract landed. The truck to haul it hadn’t.
One year in business, a 640 credit score and a customer ready to sign. Every week without a second rig is revenue left on the road.
What changes: the truck is financed over 3 to 7 years at a fixed rate, so it starts earning long before it’s paid off.
Payroll is Friday. The client pays in 60 days.
A general contractor with steady jobs and a cash gap that shows up every month, right when the crew needs paying.
What changes: cash lands in 24 to 48 hours with no minimum credit score, and the crew gets paid on time while the invoices catch up.
Brand-new LLC. No revenue yet. Big plans.
A founder with strong personal credit, a product ready to launch and no lender willing to look at a company with zero history.
What changes: revolving business credit from day one, building the company’s own credit profile while the first inventory order goes out.
A thriving practice, held back by maxed-out cards.
Solid patient revenue, but high card balances were pulling the owner’s score below what banks want to see.
What changes: a clear paydown plan first, then a permanent line with real banks at Prime + 2–4%, ready whenever the practice needs it.
The holiday inventory has to be bought before the holidays pay for it.
A boutique that earns a third of its year in eight weeks and has to stock up months ahead.
What changes: inventory goes on 0% APR for up to 24 months, the season pays it back, and the business credit grows along the way.
Blueprints show situations we commonly help with. They are not testimonials or individual client results. All funding is subject to lender approval.
See yourself here? Find your match →Two ways to look for capital.
| Going it alone | With Zircon Ark Group | |
|---|---|---|
| Lenders you reach | One bank at a time | A network of banks, lenders and credit unions |
| Paperwork | Full packets for every application | A one-page application to start |
| Speed | Weeks to months | As fast as 24–48 hours |
| If you’re turned down | Start over somewhere else | We reroute you to the program that fits |
| Business credit | Often tied to your personal credit | Programs that build business credit separately |
| Cost to start | Application fees | $0 upfront |
What business owners ask us first.
Still curious? Ask us directly. A real person will answer.
Will checking my options hurt my credit?
The fit finder on this page doesn’t touch your credit at all. Many of our programs, including working capital and business lines of credit, start without a hard credit inquiry. Bank lines and 0% business cards use a tri-merge credit report, and we’ll always tell you before anything is pulled.
How fast can I actually get funded?
Working capital and equipment financing can fund in 24 to 48 hours. Business lines of credit can fund the same day once approved. Bank lines of credit and 0% business cards usually take 2 to 4 weeks from the moment we start applying with our bankers.
What do I need to apply?
For most programs, a one-page application and four to six months of business bank statements. SBA and term loans also need recent tax returns. Credit-based programs like bank lines and startup financing start with your credit report.
I’m a startup with no revenue. Can you help?
Yes. Startup financing offers up to $200K in revolving credit with no minimum time in business, typically for owners with 700+ credit. If your own credit isn’t there yet, a co-signer with 700+ credit can open the door, and they don’t need to be an owner.
My credit isn’t great. Do I have options?
You do. Working capital has no minimum FICO and can still work with liens or judgments on file. If high card balances are holding your score down, we’ll show you which paydowns would open up bank-level credit.
How do you get paid?
There’s nothing to pay upfront. Our success fee is due only after you’ve been funded, and it’s spelled out in your agreement before you sign.
Are you a lender?
No. Zircon Ark Group is a business funding advisory firm. We match you with lenders and banking partners and guide you through approval. Funding decisions are made by those lenders.
Your next chapter starts with one page.
Tell us a little about your business. A funding specialist will reach out within one business day with the programs that fit. No upfront cost and no obligation.