Frequently Asked Questions

What is ZenCo?

ZenCo is a growth financing solution for health & wellness providers built to help scale and expand your business. We currently focus on Complementary & Alternative Medicine providers (e.g. Chiropractors, Acupuncturists, Naturopathic Doctors, Massage Therapists) and Physical Therapists. Learn more on

What are the advantages of ZenCo?

ZenCo is fast, simple, and aligned with the health of your business. With ZenCo, you can access funds quickly with no credit checks or covenants. You will not need to give up equity of your company like you would with institutional investors or put up collateral like you would with traditional bank loans. You then pay back with the business’ future receivables.

How is ZenCo different from a standard loan?

ZenCo is a business cash advance, not a loan. With a cash advance, the offer is based on your financial history for the last 6 months, and repayment includes a simple transparent fixed fee that you’ll know before you decide to accept the offer. A loan operates using interest, which can compound over time, and often includes other fees in addition to the stated interest rate.

Does ZenCo affect my credit score?

No, ZenCap doesn’t affect your credit score. There are no credit checks, and we don’t require a personal guarantee for your business to get an offer.

What are common use cases for cash advancements?

The most common use cases fall under three categories: 
. Fund Startup Costs: Such as rent, license fees, equipment, inventory, etc.
. Offset Expansion Costs: Ranging from opening a new location to hiring staff
. Drive Marketing Campaigns: Such as leveraging paid ads (e.g. Facebook, Instagram) and marketing campaigns for new clients

How can I get started with ZenCo?

Simple! Visit and fill out our 2 minutes eligibility form. From there, someone on our team will reach out to you within 24 hours to discuss more.

How do I qualify for funding?

We currently specialize in growth financing for health & wellness providers. Our minimum eligibility criteria includes:
. Corporations or limited liability companies
. 6+ months of revenue (for revenue-based advances) or records of outstanding invoices (for invoice-based advances)
. Advancement use cases related to expansion of business or clientele

How do you determine my business advance?

Offer amount and eligibility are based on a variety of factors related to your business, including financial health, growth metrics, payment frequency, and use of advance.

How will my funds request be evaluated?

We understand that your personal credit score isn't necessarily representative of the health of your small business. That's why we take a holistic view of your business, evaluating your application differently than a bank would. We incorporate a variety of factors into our decision model to determine your eligibility and advance amount. Depending on how long you’ve been in business, you may be asked to provide some combination of the following documents for verification purposes: bank statements for your business bank account, corporate tax returns, profit and loss statements, and outstanding invoice records.

funding & reimbursement
What type of financing does ZenCo offer?

ZenCo currently offers financing in the form of business cash advancements up to $200k. You will be able to choose packages that are either based on your historical revenues or outstanding invoice amounts.

How much does ZenCo’s offer cost?

The total repayment amount of your ZenCo advancement includes just two things: the amount of the offer and the fixed fee — that’s it. No hidden fees at any time! There is no interest and no maturity. We don't charge any application fees or other costs. So you know the total cost before you accept a financing offer.

How do repayments work?

Repayments begin as soon as your advance is active, and are due at the end of each month until the advance is paid back in full. Setup of recurring wires will be required.

Can I prepay?

You can make prepayments at any time at no additional cost after you have paid at least 25% of your ZenCo advance. The total amount you owe, including the fixed fee, does not change due to prepayments. There is no penalty for early repayment.

Can I repay early?

Yes! you can repay your outstanding balance at any time without incurring any additional fee.

Is there any interest?

No! There is only one fixed fee.