Line Of Credit

Line of credit loan is a flexible financial agreement between a borrower and a lender. Line of credit business loans permit the borrower to access a set amount of money as needed, like a credit card. Borrowers can withdraw funds up to a predefined limit, make repayments, and then borrow again as long as they stay within the credit limit. Line of credit small business provides businesses with working capital, and if the business meets certain high-quality standards, they may be eligible for a line of credit increase.

Zil Money is a financial technology company, not a bank or an FDIC member. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

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Eligibility and Application of Line of Credit

With Zil Money, you can apply for a credit if you have a verified bank account using the instant verification method and complete the required Know Your Customer (KYC) and Know Your Business (KYB) steps. After applying, you’ll receive an email confirming your approved line of credit loan within 1 to 3 days. Once approved, you can access your account, choose a payment plan and timeframe, and transfer the approved amount to your linked bank account. Users with manually verified bank accounts cannot apply for a credit.

Pay by Credit Card

Zil Money provides the Pay by Credit Card feature, enabling customers to pay anyone, even if they don’t accept credit cards. Recipients can receive the funds through checks, virtual cards, wire transfers, or ACH without merchant fees. Moreover, payers can earn and keep their credit card reward points.

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Criteria to Approve Line of Credit

To get approval for a line of credit small business, Zil Money verifies the user’s bank connection, reviews the transaction history, assesses the business performance, and checks if the user has been in business for a minimum of 12 months, generates monthly revenue of at least $30,000, and operates or is incorporated in an eligible U.S. state.

Why Zil Money!

A technology-first approach to payments and finance

Easy to Access

High Security

Easy Payment

Payroll By Credit Card

Zil Money’s Payroll By Credit Card provides a solution for making on-time employee payments, even with cash flow challenges. The platform seamlessly integrates with popular payroll software like QuickBooks, Gusto, and Zoho, enabling you to use your credit card to manage payroll effortlessly.

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Frequently Asked Questions(FAQ)

What is a line of credit?

A line of credit enables borrowers to access a predetermined amount of funds, up to a specified credit limit, whenever necessary. Zil Money users can easily obtain line of credit business loans.

Who is eligible to apply for a Credit?

Users who have completed KYC and KYB verification through the instant verification method and verified their bank accounts can apply for a Credit. Zil Money users can easily access line of credit loan.

What factors are considered when approving a credit for a business?

Zil Money approves the credit after checking the user's bank connection, reviewing their transaction history, evaluating business performance, and ensuring that the business has been operating for at least 12 months, generates monthly revenue of at least $30,000, and is legally established in an eligible U.S. state.

Line of Credit vs Loan

A loan gives you a fixed sum that you repay in regular installments. In contrast, a credit gives you access to a flexible credit limit you can borrow from and repay at your convenience. If your business meets specific quality standards, you could qualify for a line of credit increase. Zil Money makes it easy to access a credit.
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