Zinch
4.00/5.0
Tara Peterson
5/5.0
17, Jul 2025
Great Service for Equipment Purchase
Received a loan to upgrade shop equipment?Zinch made everything straightforward. Documents were minimal, and support staff answered all questions patiently. The fixed?payment schedule helped with budgeting. Appreciated the reliable communication.
Sarah Kouassi
5/5.0
08, Jul 2025
Fast Capital When We Needed It
Zinch?s process was super smooth. We were dealing with an unexpected vendor issue and needed working capital quickly. Their online system was intuitive and didn?t take up much time. A representative contacted us quickly, answered all our questions, and by the next day, funds were in our account. The repayment setup was fair and matched our cash flow.
Sawyer Howard
3/5.0
04, Jul 2025
Good Funding, Bad Portal
Zinch did help us out when we needed a quick capital injection. Their team was responsive and we were approved fast. But the tech side of things was a letdown. Their online portal kept crashing or timing out whenever we tried to upload documents or check repayment status. It was especially frustrating because we needed real-time info on our deductions. I had to call or email just to find out how much had been taken out or how much remained. The reps were helpful, but I shouldn?t have to rely on them every time just to see basic info. They promised improvements were on the way, but nothing changed during the few months we were paying it off. If they fixed that tech glitch, it would be a much better experience. But in its current state, it feels like a dated system that's not built for businesses who need quick access to real-time data.
Noah Parker
5/5.0
30, Jun 2025
Great for Quick Inventory Restock
We had an opportunity to buy inventory at a steep discount but needed cash fast. Zinch got us funded within 24 hours and we didn?t miss out on the deal. Their rep was knowledgeable and answered all our questions. The repayment plan was manageable and based on our sales. Couldn?t have timed it better.
Eleanor Mbebe
5/5.0
25, Jun 2025
Great Experience with MCA
Our small retail business had a cash flow crunch, and traditional lenders weren?t an option. Zinch looked at our daily credit card sales and approved us for a merchant cash advance. The process was fast, and we had funds by the next day. Repayments matched our sales pace, which made it less stressful. Customer support checked in periodically?very helpful team.
Lucy Ndiaye
2/5.0
18, Jun 2025
Too Many Calls
The funding came fast, but the amount of follow-up calls was too much. Felt like they kept checking in to upsell more funding. While the service was fine, the constant communication after the deal was annoying and a bit overbearing.
June Perry
2/5.0
10, Jun 2025
Felt More Like a Sales Call Than Support
When we first contacted Zinch, we were hoping for some guidance on whether a cash advance was right for us. Instead, it felt like we were pushed into a decision before getting clear answers. The rep barely listened?just kept talking numbers and pushing documents to sign. I asked for a breakdown of total repayment including fees, and got vague responses. We signed out of urgency, and yes, the money did come fast, but the repayment hit harder than expected. I understand these advances aren?t cheap, but the way it was sold didn?t sit right. The lack of transparency and the constant pressure to ?act now before the quote changes? made it feel more like a sales pitch than a consultation. Once we were locked in, it was hard to get anyone on the phone again. Would not repeat this experience, even though we technically got what we asked for.
Rahul Lewis
4/5.0
04, Jun 2025
Flexible Option for New Business
As a startup, we needed cash fast?Zinch offered a flexible short?term loan with reasonable terms. They didn?t fuss over personal credit score?focused on revenue instead. Good alternative when traditional banks aren?t an option.
Isaac Srinivasan
4/5.0
25, May 2025
Great Customer Care
Our rep was awesome?explained all the details and kept us updated throughout the process. There was a small error in the initial contract figures, but they corrected it quickly. The loan came through fast and gave us some needed breathing room. Really solid support overall.
Sekou Wilson
5/5.0
10, May 2025
Great Experience with Zinch
Everything was handled with care and urgency. The application was short, funding was prompt, and the follow-ups were consistent. We were able to handle payroll without delays. Would suggest to any small biz needing fast help.
Sylvie Murphy
2/5.0
01, May 2025
Poor Follow-Up After Funding
The beginning of our interaction with Zinch was promising?fast responses, a clear pitch, and a simple application process. We received the funds fast and got to work. But once the money was in our account, everything changed. We had some questions about repayment after noticing the deductions didn?t match what was quoted. Tried reaching our rep, no answer. Emailed support?got a canned reply saying someone would contact us, but no one did for days. We ended up figuring it out ourselves by digging into the agreement, but the lack of post-funding support was disappointing. When you?re borrowing money, especially as a small business, you need to feel supported. Zinch fell short on that front. They?re not the worst lender out there, but don?t expect them to stick around after the deal is done.
Leo Dhawan
3/5.0
30, Apr 2025
Not for Every Business
Our sales vary a lot week to week, and daily repayments didn?t work well for us. The idea sounds flexible, but in practice, it strained our cash flow. Support was decent, but this model just didn?t suit our setup.
Jamal Davis
5/5.0
22, Apr 2025
Simple and Reliable
Zinch provided our business with fast capital when we were short on options. The process was clearly laid out, and the staff walked us through each step. We got funded quickly without excessive paperwork. Great for short-term help.
Gabriel Wright
5/5.0
18, Apr 2025
Good Communication and Speed
Applied with Zinch after another lender left us hanging. They responded quickly, got us a quote, and stayed in constant communication. The approval process was straightforward, and we had the funds the next morning. Our rep followed up a few days later just to check in. The customer service and speed set them apart from others we?ve tried.
Layla Gauthier
5/5.0
01, Apr 2025
Funding Made Simple
Zinch helped our business when others wouldn?t even take our calls. The application process was short and easy. They reviewed our daily transactions and offered terms that made sense for our situation. Within 24 hours, we had the funds we needed. Repayments were set up automatically, and we didn?t have to worry about anything. Great support throughout.
Natalie Popov
3/5.0
29, Mar 2025
Worked but Not Cheap
The funding was fast and helped us cover critical costs, but the rates are on the higher side. That said, the team was professional, and everything happened fast. Just be sure to review terms carefully.
Ivy Brooks
4/5.0
17, Mar 2025
Straightforward and Helpful
The Zinch team was easy to work with, and the process didn?t take long at all. From start to finish, it was less than two days. Their staff explained the funding terms clearly and helped us make the right decision for our needs. We used the funds to handle some overdue supplier payments. The daily repayment was manageable and didn?t hit our account too hard. The only issue we had was a glitch on their portal that didn?t show our balance correctly for a few days. Support fixed it quickly though.
Wyatt Kulkarni
4/5.0
04, Mar 2025
Reliable Support During Cash Flow Gap
We experienced a sharp dip in revenue after one of our large clients delayed payment. With payroll approaching and no immediate reserves, we reached out to Zinch. They were quick to respond and explained the funding process thoroughly. I liked that they didn?t just look at our credit but also took our business revenue into account. We received the funding within 24 hours, which helped us avoid delays in paying our employees. The repayment system is flexible and aligned with our daily earnings, which is perfect for a business with fluctuating income. Though the interest is higher than bank loans, it?s understandable given the convenience and risk involved. They stayed in contact even after the funds were released, ensuring we didn?t face any issues. Overall, we were grateful for how quickly and professionally they handled everything. This kind of service is rare, and we truly appreciated it.
Eliza Long
4/5.0
24, Feb 2025
Got What We Needed Fast
We run a small catering business and needed extra funds to prep for a large event. Zinch was able to process our request quickly and gave us what we needed without a lot of red tape. The daily repayment system worked well for us because our income is steady. I liked that they were honest about the rates and walked us through every step. One minor issue was a delay with the e-signing system, but it didn?t hold things up too much. Overall, a reliable option when time matters and banks aren?t moving fast enough.
Joseph Subramanian
4/5.0
20, Feb 2025
Transparent and Consistent
The loan wasn?t cheap but it helped us keep operations running smoothly. Zinch?s team explained everything up front and stayed in touch during the repayment phase. It was a relief to deal with honest folks.
Violet Schmitz
5/5.0
04, Feb 2025
Made Expansion Possible
Expanding our location was always part of the plan, but the banks said we hadn?t been in business long enough. Zinch took a different approach and evaluated our actual cash flow, not just years in operation. We got approved quickly and the funding allowed us to take over the adjacent space for our caf?. The process was incredibly fast?faster than any financing we?ve ever used. The documents required were minimal, and the terms were explained in plain English. What stood out most was the ongoing support?they didn?t disappear after funding. They checked in to make sure we had what we needed and even asked for feedback. The repayment being daily actually helped spread it out, which made it more manageable. Because of Zinch, our small dream got bigger?and became real. We?re grateful and wouldn?t hesitate to go back if needed again.
Owen Puri
4/5.0
30, Jan 2025
Quick Response and Smooth Service
When time was tight and options were few, Zinch got it done. The application was short, and we were contacted by a knowledgeable rep almost immediately. He helped us pick the right amount and made the next steps easy. Got our funds fast and used them to finish a renovation project.
Scarlett Baker
4/5.0
19, Jan 2025
Met Our Expectations
The Zinch team did what they said they would do. We applied online, sent over bank statements, and were funded within 36 hours. It wasn?t a large amount, but it was exactly what we needed at the time. Rates are a bit on the higher side, but that?s expected with quick-turnaround loans. Customer service was polite and responsive. They answered our questions and explained how the repayment would work. No unpleasant surprises. Would use again in a similar situation.
Willow Kowalski
2/5.0
12, Jan 2025
Delay with Funding
Was told funds would arrive same day, but it took two. Not a huge deal, but we had planned around that timeline. Reps were apologetic, but the delay put us in a tight spot with our vendor.
Elena Dubois
4/5.0
04, Jan 2025
Met Our Expectations
Needed a loan to handle a rush order. Zinch got it done in less than two days. The loan terms matched what we discussed. Happy with the overall experience and would use them again if needed.
Lily Rodriguez
5/5.0
31, Dec 2024
Fast, Helpful, and Reliable
Zinch really came through when our business needed capital quickly. The application was straightforward, and the entire process took less than two days. What stood out most was how clear the team was about everything?terms, repayment, and timelines. The communication was prompt, and there were no hidden surprises. We used the funds to cover supplier invoices, and things moved smoothly after that.
Kiara Jensen
5/5.0
16, Dec 2024
Extremely Efficient Funding
funding through Zinch came through faster than expected. Their online portal was easy to use, and the support staff stayed in touch during every step. Really impressed by how seamless the process was?no back?and?forth hassle.
Stella Kim
2/5.0
07, Dec 2024
Miscommunication Cost Us Time
Our initial conversation with Zinch sounded promising. We explained our needs and were told funds would arrive within 24 hours of approval. Everything was going fine until after the contract was signed. Suddenly, they requested additional documents we had already provided. Then there was radio silence for almost a full day. It ended up taking nearly four days to receive the money, which completely threw off our supplier schedule. The rep was friendly but kept switching details, which made things more frustrating. We eventually got the funding, but the delay cost us an important client. If they had just told us upfront that it could take longer, we would?ve made alternate plans. It?s not about the delay, it?s the lack of clarity that was the real issue. This isn?t a scam, but definitely not as streamlined as advertised. I?d recommend double-checking everything and being cautious with your timeline.
Grace Fitzgerald
5/5.0
25, Nov 2024
Very Satisfied With the Process
From the first call to the final paperwork, everything was smooth. They were upfront about all costs and the repayment plan was easy to follow. The funding helped us scale an urgent project.
Finn Bhatia
4/5.0
13, Nov 2024
Simple and Flexible Financing
Zinch helped us bridge a gap in our operations while waiting for a large wholesale payment. The funding process was fast and didn?t involve a pile of paperwork. They took the time to understand our business model and offered terms that made sense. It was nice not to feel judged for having fluctuating income. Repayment through daily sales was a new concept to us, but it worked well once explained. Their team was quick to answer any questions and followed up regularly to see how things were going. I also appreciated that they didn?t oversell or push for more than we needed. That showed integrity. The only hiccup was that the first ACH payment posted late due to a bank error, but they didn?t penalize us. This flexibility made the whole process less stressful and more human. Would recommend to others in a similar situation.
Beatrice Gray
4/5.0
09, Nov 2024
Friendly and Efficient Service
We had a really smooth experience working with Zinch. Their team was polite and knew their stuff. We weren?t sure how a merchant cash advance worked, but they explained everything and made it easy to understand. The funds arrived quickly, and the repayment matched our sales pattern pretty well. It?s pricier than some options, but it?s fast and doesn?t require perfect credit. The only downside was that they kept calling to see if we wanted more funding, which got a little repetitive. Still, they helped us out when we needed it most.
Scarlett Sowah
5/5.0
29, Oct 2024
Good Choice for Small Business
Zinch has been great to work with. They helped us fill a cash flow gap with a merchant advance. Everything was explained clearly, and we had funds fast. The repayment matched our daily sales, so it didn?t strain our budget. Their staff followed up regularly to ensure everything was on track. Happy we chose them.
Zola Young
4/5.0
14, Oct 2024
Good Option When Banks Say No
Our bank declined us but Zinch took a look at our daily sales and moved quickly. It wasn?t the cheapest option, but it worked well for our urgent needs. The staff was helpful and responsive throughout.
Jude Griffin
3/5.0
01, Oct 2024
High Cost, Low Flexibility
Zinch delivered on their promise of fast funds, and the process itself was easy. But looking back, the total repayment amount was excessive. We knew merchant cash advances were expensive, but this went beyond what we anticipated. The lack of flexibility during slower sales weeks made it worse. We asked for a temporary hold or reduction in the daily deduction, but they wouldn?t budge. It?s clear their system is automated and not designed to accommodate real-life business fluctuations. The reps were nice, but clearly had limited authority to make changes. I?d caution others to think long-term?not just about getting the cash fast. If your sales take a dip, this type of financing can become a real burden. Zinch isn?t shady, but they?re rigid and expensive. Be cautious.
Ella Campbell
4/5.0
30, Sep 2024
Solid Funding Option
Zinch worked well for us when traditional banks dragged their feet. The funding came quickly, and we used it to handle an urgent equipment purchase. The only issue was some back and forth on document verification, which caused a small delay. But their team was helpful and kept us updated throughout.
Zoe Mancini
5/5.0
21, Sep 2024
Simple and Straightforward
Zinch made it really easy for us to get through a tight spot. We submitted basic documentation, had a call to go over details, and were funded in no time. I liked that they were very upfront about terms?nothing confusing or hidden. Their service team was also patient and available when we needed clarification.
Krish Howard
4/5.0
11, Sep 2024
Solid Backup for Cash Flow
We tapped Zinch as a backup line for slow sales periods. The process was quick, and the holdback automatically adjusts with sales?it aligned well with our small?biz rhythm. Slightly higher cost, but it?s the convenience that counts.
Isla Patterson
2/5.0
05, Sep 2024
Hidden Fees Added Up
The initial pitch from Zinch seemed pretty standard?quick funding, flexible terms, and based on revenue rather than credit. We asked questions and got what felt like honest answers. But once the funding came through, the deductions from our account didn?t line up with what we had been told. Turns out there were some processing and admin fees not clearly disclosed in the original breakdown. It wasn?t a huge amount daily, but it added up over time. When we reached out to clarify, they explained it was standard for their ?funding partner,? not directly Zinch. That detail wasn?t mentioned during our application. While we didn?t default or miss payments, we ended up paying significantly more than expected. The experience left us feeling misled. We finished the repayment but decided not to renew the contract or borrow again. Transparency could definitely be improved?especially when dealing with small businesses on tight margins.
Eleanor Costa
2/5.0
24, Aug 2024
Website Glitches
Had trouble submitting documents through their online portal?kept getting stuck. Eventually had to email everything. The rep was helpful, but the tech made things frustrating. Slowed down the process a bit more than expected.
Joshua Saxena
4/5.0
15, Aug 2024
Very Supportive Staff
We had a great experience working with Zinch. They were easy to reach and always responded quickly. The funding process was straightforward and only took about a day. We appreciated that they followed up after funding to make sure everything was going well. It felt like they actually cared about our business success, not just getting a loan done.
Stella King
4/5.0
05, Aug 2024
Worked as Promised
We didn?t know much about merchant cash advances before working with Zinch, but they walked us through it clearly. Everything was laid out in a way that made sense. Funds were received quickly and the process was mostly smooth. Only complaint was that our first deduction hit earlier than expected, which caused a bit of an overdraft. But support resolved it. Overall, a positive experience.
Matteo Robinson
5/5.0
20, Jul 2024
Helped During a Crunch
Our restaurant hit a rough patch and needed funds to cover rent and supplies. Zinch stepped in with a merchant advance that helped us stay open. The process was painless and we?re slowly bouncing back.
Ruby O'Connell
5/5.0
05, Jul 2024
Consistent and Professional Support
Zinch exceeded expectations from day one. Our business was facing a slowdown due to delayed payments from clients, and we needed working capital fast. I reached out through their online form, and within hours, someone contacted us with clear next steps. They looked at our daily sales rather than just credit scores, which helped since we?d recently paid off some debts. The process was very smooth, and the money landed in our account by the next morning. I was particularly impressed by how transparent everything was?no hidden terms or unexpected fees. They even followed up after the funds were sent to ensure everything was going as expected. The repayment system, tied to our sales, made it manageable without adding pressure. I?ve dealt with a few lenders before, but this was by far the most painless and professional experience. If you need fast capital, this is a solid route to consider.
Calvin Sanders
3/5.0
01, Jul 2024
The Support Faded Fast
Zinch had great customer service in the beginning. I had a rep who was very helpful and patient while we set everything up. But after the contract was signed and the money was delivered, it was like that support just stopped. Emails went unanswered, and there was no dedicated person to reach out to for questions. I had to go through a general line and wait on hold or leave messages. It wasn?t the worst experience ever, but the drop-off in service was frustrating. They present themselves as a partner, but it felt more like a one-time transaction. The funding itself was useful and helped us meet payroll, but the repayment structure was harsh and the lack of post-funding support made the stress worse. If they invested more in ongoing service, they?d be a much better option. Until then, I?d only recommend them for very short-term needs.
Evelyn Stone
4/5.0
24, Jun 2024
Helped Us Stay Afloat
We were about to miss rent and payroll when a big client delayed payment. Zinch helped us bridge the gap. It was easy to apply, and they didn?t need a ton of paperwork. We got approved fast and funded within a day. The only thing I?d note is to review the repayment percentage closely?it can sneak up on you during slower days. But overall, it was the right call. We were able to keep things running smoothly and didn?t have to cut any staff.
Sofia Miller
4/5.0
09, Jun 2024
Easy to Work With
The process was quick and easy, especially for a busy business owner like me. They guided us through the paperwork and explained the repayment structure clearly. Everything was on point from start to finish.
Asher Majumdar
4/5.0
06, Jun 2024
Effective for Inventory Boost
We needed to stock up on inventory before our big end-of-year sales push, and our regular financing options weren?t available due to existing obligations. Zinch was recommended by a peer and I?m glad we tried them. The application was digital, and their team called to confirm details within hours. They weren?t just reading a script?they knew what they were doing and actually helped us think through our best options. The cash came within 24 hours, and we placed our supplier orders that same day. Repayment was daily but manageable, and it felt much less stressful than a big monthly bill. They kept in touch during the whole period and even checked in afterward to ask how the funds helped. It felt like a true partnership, not just a financial transaction. Overall, I?d say Zinch helped us move fast at a time when speed was everything.
Aisha King
4/5.0
20, May 2024
Perfect for Seasonal Needs
Using Zinch during our holiday rush helped us stock up inventory. The approval was fast, and seasonal repayment eased budget pressure. Partnership felt transparent and supportive. Definitely useful for time?sensitive funding needs.
Aurora Bell
2/5.0
05, May 2024
Felt Rushed
The rep was polite, but everything felt a bit rushed. I didn?t have time to fully understand the repayment plan before signing. Ended up being more expensive than I thought. Should have taken more time to review.
Gabriel Kaur
4/5.0
21, Apr 2024
Helpful in a Crunch
Our restaurant had a rough patch after some maintenance issues. Zinch helped us secure the cash needed to make repairs without interrupting operations. The process was fast, and their team checked in frequently. A bit pricey, but the quick turnaround made it worthwhile. We?d use them again if needed.
Oscar Powell
5/5.0
16, Apr 2024
Smooth Process and Fast Help
Zinch helped us out when we had a cash crunch due to an unexpected expense. The application was quick and simple, and the rep we spoke to explained the terms in clear language. We sent over the required documents and had funds in our account by the next business morning. Repayment through daily deductions made it manageable. Their team checked in a week later to make sure things were going okay, which was a nice touch. It?s a bit more expensive than traditional loans, but the speed and service made it worth it. Would definitely consider them again.
Amara Brown
3/5.0
08, Apr 2024
Decent Experience, Slight Hiccups
The loan came through, and the rep was helpful, but there was a bit of a mixup in paperwork early on. It was resolved, but caused a small delay. Still, they were professional and communicative.
Silas Goel
3/5.0
22, Mar 2024
Good People, Tough Terms
The staff was kind and responsive, but the funding terms were tough. The rates really eat into your profit if you're not careful. Not a scam, just not ideal for businesses with thin margins.
Madison Wagner
5/5.0
13, Mar 2024
Super Efficient and Clear
Zinch impressed me with their speed and communication. Every step was explained clearly. We didn?t need to go back and forth for documents. We signed and received funding the next day. It helped us get through a high-expense week without putting everything on hold. Their customer service was polite, responsive, and knew what they were doing. Excellent experience overall.
Isaac Hill
5/5.0
09, Mar 2024
Surprisingly Easy
Honestly didn?t think it would be this simple. I filled out the form, got a call within an hour, and funds came the next day. The rep explained everything in normal terms?not finance lingo. It felt more like a conversation than a pitch. Very pleased with how fast it all moved.
Dev Taylor
4/5.0
01, Mar 2024
Helpful Team, Quick Approval
The representatives were professional and knowledgeable. Approval came quickly, and funds appeared in our account within two days. The fees were reasonable for a merchant cash advance, and the flexibility helped cover inventory needs. Solid experience overall.
Nathan Verma
4/5.0
15, Feb 2024
Great Alternative When Banks Say No
Our small design firm doesn?t always qualify for traditional loans, especially when revenue fluctuates. Zinch offered us an alternative that actually worked. They reviewed our sales performance and gave us a reasonable merchant cash advance. The entire process took less than two days from inquiry to funding. They walked us through the options in a way that didn?t feel pushy, and they gave us room to ask questions and think things through. Their reps seemed genuinely interested in helping rather than just selling a service. We used the money to invest in a time-sensitive marketing project, which we?re already seeing results from. Repayment is based on sales volume, so it adjusts during slower weeks. While it?s not the cheapest funding option, the ease and speed made it worth it for our needs. It gave us peace of mind during a crunch, and we?d consider using them again.
David Bhatt
4/5.0
09, Feb 2024
Good Backup Option
Zinch worked as a temporary lifeline when our primary funding fell through. The staff was patient and walked us through what we needed. The repayment adjusts with sales, which was super helpful during our slow weeks.
Felix Alexander
3/5.0
01, Feb 2024
Repayment Hit Harder Than Expected
At first, Zinch seemed like a great fit?quick funding, a friendly rep, and fast approval. But the repayment structure was more aggressive than we realized. They said payments would be manageable and tied to daily card sales, but when our revenue dipped for a few weeks, the deductions didn?t slow down as much as expected. We tried reaching out to renegotiate or pause, but got no real help. Their support team was polite but offered no flexibility. We had to delay vendor payments to keep up. Honestly, if you run a business with any sort of seasonal dip, this might not be the best fit. We?re paying it off, but it's put a strain on everything else. The lack of wiggle room and the unclear repayment structure left us feeling misled. If they had better post-funding support, it might be different. But this felt more transactional than supportive.
Sofia Roberts
4/5.0
30, Jan 2024
Worked When We Needed Capital Fast
We had to make a big purchase on short notice and Zinch helped us make it happen. The application was easy, and the rep walked us through every step. The fees are higher, sure, but everything was delivered as promised. We were able to cover our expense and keep moving. No regrets.
Clara Svensson
5/5.0
25, Jan 2024
The Speed Made All the Difference
I honestly didn?t expect the process to be this fast or this simple. We had a delay in a major client payment and needed working capital to keep things moving. Zinch?s online form was easy, and we had someone call within minutes. No pushiness, just clarity. They asked for a few documents, and within 24 hours, the money was there. Repayment started right away, but the daily deduction aligned well with our sales so it didn?t hurt. What impressed me most was the aftercare?the team followed up twice during the loan period and once after it ended. It didn?t feel like they just took their cut and ran. It felt like they actually wanted to help. In a world where so many lenders feel robotic or distant, Zinch came across as genuinely human and helpful. Would definitely work with them again.
Hannah Rossi
5/5.0
14, Jan 2024
Outstanding Service
Working with Zinch was refreshingly simple. Their reps took the time to understand our needs and matched us with the right funding type. Everything was clearly explained. It was my first time doing a merchant cash advance, and I appreciated the transparency. Funds arrived super fast, and it?s already helping us get ahead on projects. Highly satisfied with their support.
Wren Coleman
2/5.0
08, Jan 2024
Not the Right Fit for Our Industry
We run a service-based business with monthly billing cycles. Zinch?s daily repayment structure just didn?t fit our model. At first, they said it would work since we had consistent deposits, but in practice, the daily withdrawals drained our operating account too quickly. We contacted support to see if they had a weekly option or something more aligned with our billing, but they didn?t offer anything flexible. The terms weren?t awful, and the people were polite, but the structure wasn?t designed for a business like ours. By week three, we were moving money around just to stay afloat. Ended up paying it off early just to stop the drain. Lesson learned: make sure your cash flow aligns perfectly with the repayment setup. Zinch may work well for retail or restaurants, but for a B2B model like ours, it caused more issues than it solved.
Omar Roberts
5/5.0
03, Jan 2024
Helped Bridge the Gap
We were between large contracts and cash flow was tight. Zinch gave us the breathing room to stay afloat. The flexible repayments based on sales helped a lot. Grateful for their support during a tough month.
Ruby Adams
4/5.0
26, Dec 2023
Used Them Twice
We?ve used Zinch twice now, once for restocking and once to cover payroll. Both times were fast and pretty painless. They had our info on file the second time, which made it even quicker. Just be sure to stay on top of the repayment schedule. The support team is easy to work with.
Alice Dubois
5/5.0
22, Dec 2023
Excellent Experience for First-Time Borrower
This was our first time using a merchant cash advance, so I was a little nervous going in. Zinch made the experience smooth and understandable. The online application was simple, and a rep called soon after to walk us through everything. They took time to understand our business, didn?t rush us, and clearly explained the repayment plan. We got approved the same day and received the funds the next morning, which was critical since we had a supplier deadline. The repayment setup was directly tied to our daily card sales, which helped with budgeting and didn?t put too much strain on our cash flow. What really stood out was the ongoing communication?we never felt left in the dark. Whenever I had a question, someone answered quickly and thoroughly. I can confidently say this experience has changed how we approach funding. Zinch made what could?ve been stressful feel easy and reliable.
Nia Schmidt
4/5.0
11, Dec 2023
Quick Funds, No Drama
Needed working capital fast and Zinch came through. Didn?t take long to apply and the funds were in the bank within 48 hours. Customer service answered all our questions clearly. Process was way less stressful than expected.
Otis Bell
3/5.0
01, Dec 2023
Got the Funds, But It Wasn't Smooth
The only reason I?m not rating Zinch lower is because the funds did arrive and the rep was kind. But the overall experience had too many bumps. The contract had a typo that delayed our funding by a day. Then, once the payments started, we noticed deductions on weekends when we were told they wouldn?t happen. Reaching out for clarification took three emails and two phone calls before someone finally explained the issue. It was a system setting, they said?but still, we were caught off guard. Little things added up and made us second-guess the whole process. The advance itself helped us meet some immediate needs, but dealing with the back-and-forth and inconsistencies left us uneasy. I?d say the company has potential, but the coordination between departments and clarity in their communications needs serious improvement. Otherwise, it just causes unnecessary stress.
Caleb Green
5/5.0
26, Nov 2023
One of the Better MCA Lenders
We?ve worked with other lenders in the past, and Zinch stood out for their professionalism. They weren?t pushy, they explained the full process up front, and there were no last-minute surprises. The funding came the same day after approval, which helped us catch up on delayed accounts payable. I liked the flexibility of their repayment model and how responsive the team was even after funding. They checked in multiple times and offered tips to manage repayments more efficiently. If you?re in the market for fast business capital, Zinch is a solid option.
Ryan Malick
4/5.0
18, Nov 2023
Good Experience with Quick Results
Our business needed fast access to funds to handle some bulk orders. Zinch processed our application in under a day. They asked for basic documents and were upfront about the repayment structure. Their team also checked in afterward to make sure everything was running smoothly. We were pleased with how professional and responsive they were from start to finish.
Kwame Johnson
5/5.0
13, Nov 2023
Streamlined and Supportive
From application to funding in under 48 hours?Zinch made it simple. The representative walked us through options and repayment frequency clearly. Support has been consistent and helpful whenever needed. A smooth experience overall.
Declan Morgan
3/5.0
03, Nov 2023
Too Aggressive with Follow-Ups
Initially, the experience with Zinch was smooth. The application went quickly, we got a quote fast, and funding happened within 48 hours. The problem started after the funding. We started getting constant emails and calls asking if we wanted to increase our loan or refinance. I get that follow-ups are normal, but it crossed a line. There were weeks where we?d get called 3?4 times despite asking them to slow it down. It felt like they were trying to push us into borrowing more money instead of helping us manage what we already had. The loan itself was helpful, and the structure worked for us, but the post-funding experience was frustrating. We had to block one number and told them multiple times to stop calling, but the messages still came. If you like peace of mind after funding, this might not be for you. Good process, but too aggressive afterward.
Anthony Varghese
4/5.0
30, Oct 2023
Helped Keep Us Going
Zinch supported us during a crucial time. We had payroll coming up and an unexpected dip in revenue. The application process was efficient, and we were approved quickly. Rates were higher than traditional loans but reasonable for short-term needs. Repayment comes directly from our daily sales, so we didn?t feel overwhelmed. The customer service team was patient and helpful.
Marco Jones
5/5.0
21, Oct 2023
Trustworthy and Fast
Zinch felt like a partner instead of a lender. They truly cared about helping us grow and provided capital within a day. No long waits, no confusing terms. Would definitely reach out again when we need support.
Milo Mehra
4/5.0
17, Oct 2023
Useful for Seasonal Retailers
Our boutique runs seasonally and often needs inventory well before the peak shopping window. Zinch gave us access to capital quickly without putting us through weeks of underwriting. The process took less than 48 hours, and the staff walked us through each part of the agreement in detail. We used the funds to stock up on our fall line and market the new arrivals, and it?s already boosting revenue. One thing that could be improved is the online portal?it?s a bit clunky to navigate. That said, customer support was always easy to reach by phone. Repayment through daily deductions worked for our needs, and we never fell behind. I appreciated how understanding and communicative the team was. This kind of flexibility is hard to find with traditional lenders. Definitely a solid option for seasonal business funding needs.
August Sullivan
3/5.0
11, Oct 2023
Mixed Experience
The good: funding came quickly, the application process was simple, and the reps were easy to talk to. The not-so-good: repayment was more intense than we planned for, and when our business had a slow week, there was zero flexibility. Also had to contact support multiple times for things that should have been available in the portal?like balance info and daily deductions. It just added more stress to the whole thing. The loan helped in the short-term, but I don?t think it?s sustainable unless your sales are consistently strong. They do respond to emails, but I?d prefer better proactive support. Not a scam or anything shady, just not ideal if you?re a seasonal or unpredictable business. I?d recommend it only if you?re fully confident in your future cash flow. Otherwise, you might find yourself scrambling to keep up with the deductions.
Hazel Scott
4/5.0
01, Oct 2023
Reliable, Just Know the Costs
Zinch was transparent about what they could offer. We were funded fast and the repayment structure worked well with our business model. Their rates are higher than a traditional loan, but there?s a reason?the speed and flexibility. As long as you go in with eyes open, it?s a great short-term solution. We had no trouble during the term.
Nora Olsen
5/5.0
24, Sep 2023
Fast, Clear, and Very Helpful
We run a mid-sized retail shop and needed short-term capital to restock for the summer season. Zinch came through in a big way. The application was short, and a rep reached out within the hour. They walked me through the options without using confusing jargon or pressuring us. Once we agreed on the terms, everything moved fast. I submitted a few documents, signed the agreement, and the funds were in our account by the next morning. What I appreciated most was how upfront they were about repayment. They explained exactly how the daily percentage works and how it adjusts based on sales. It felt like they actually wanted us to succeed instead of just pushing a product. The follow-up calls and emails after funding made us feel supported and not forgotten. This kind of personalized attention made a huge difference. I?d absolutely use them again if we need funding in the future.
Matthew Agarwal
4/5.0
19, Sep 2023
Quick Cash with Decent Terms
Zinch gave us a loan based on our card sales. Everything was digital, and it took just a few hours to get approved. The interest is higher than a bank, but it?s fast and flexible.
Freya Rivera
2/5.0
10, Sep 2023
Didn't Meet Expectations
I found Zinch through a referral and was told the process would be fast and easy. While the funding did arrive quickly, almost everything else was a headache. The rep was hard to reach after the initial call, the contract included several vague phrases, and I felt unsure about what I was actually agreeing to. When I asked for clarification, I was told to ?just sign and we?ll explain it after.? That should?ve been my red flag. The repayment started immediately and was more aggressive than expected. Every time I emailed for support, the response felt like a copy-paste reply. No real answers. Ended up repaying early just to get out of it. I won?t say it?s a scam, but it?s not a relationship-based lender either. They just move fast and hope you don?t ask too many questions. Definitely not using them again.
Nikhil Evans
4/5.0
06, Sep 2023
Responsive & Transparent
Zinch?s team replied fast and explained the whole MCA process in simple terms. The repayment is based on sales, which suited our seasonal flow. A bit higher cost than a bank but worth the convenience when speed mattered.
Victoria Sanchez
5/5.0
30, Aug 2023
Stress-Free Funding
Zinch?s process is perfect for busy entrepreneurs. Applied online, had one call, and the rest was automated. Received funds the next day. It?s rare to find such a streamlined loan experience. Definitely helped us a lot.
Milo Foster
5/5.0
20, Aug 2023
Good Option for Short-Term Needs
Zinch came in clutch when we needed working capital to fulfill a bulk order. The application was online, quick, and someone followed up within an hour. They based our approval on revenue, not credit score, which helped a lot. The daily holdbacks didn?t hurt as much as we thought they would. The team was responsive and explained the process well. We paid it off earlier than expected and might use them again when needed. It?s not cheap, but it?s fair for the kind of service they provide. Definitely good for short-term business bumps.
Imani Baker
4/5.0
14, Aug 2023
Fair Experience Overall
The loan terms were explained in detail and there were no hidden surprises. The funds came fast, which helped us cover some overdue invoices. The fees are a bit high but manageable. Overall, it was a fair deal.
Caleb Setty
4/5.0
09, Aug 2023
Supportive and Fast
Our business faced a supplier delay and needed fast capital to keep things moving. Zinch was able to fund us quickly. The only thing I?d suggest is adding more details to the repayment calculator?it was a bit vague. But overall, the experience was smooth and the funding came just in time.
Penelope Nielsen
2/5.0
04, Aug 2023
Unexpected Holdback
Thought we agreed on one holdback rate, but the actual deductions seemed higher. Customer service said it was due to a processing fee, but that wasn?t clear earlier. Felt a bit misled.
Hugo Price
5/5.0
30, Jul 2023
Funding Was Quick and Easy
Our business needed emergency cash to cover a supply chain delay. We tried Zinch based on a referral and were impressed. The process was all digital, the rep was transparent, and there were no hidden fees. We got approved in less than 24 hours, and the money came through right after. I liked how they adjusted repayment with our daily sales. Didn?t feel too heavy even during slow days. Everything was super smooth from start to finish. Definitely a good choice if you're in a pinch and need fast capital without too much hassle.
Christopher Bajaj
4/5.0
23, Jul 2023
Good for Emergencies
Zinch helped when our bakery's fridge suddenly died and we needed to replace it immediately. Bank loans take forever, but Zinch had the funds in our account the next morning. Yes, it costs more than a typical loan, but the speed and ease were worth it. We were back in business in no time.
Mason White
3/5.0
14, Jul 2023
A Mixed Bag
Zinch was fast, but communication wasn?t always clear. Had to repeat some info to different reps, and the contract language was a bit confusing. It worked out in the end, but it took more effort than I expected.
Kofi Jackson
5/5.0
07, Jul 2023
Straightforward and Fast
Didn?t expect it to go so smooth, but it did. Filled out the form, had a rep contact me, and funds were wired the next morning. Perfect for a business in a crunch. I?d use Zinch again without hesitation.
Stella Goldberg
5/5.0
04, Jul 2023
Trustworthy and Straightforward
Had a great experience with Zinch. Everything was done online and over the phone. They didn?t overpromise or pressure us into anything. Their team listened and offered a package that worked for our needs. Funds came in under 24 hours. Really appreciated the honesty and efficiency.
Maisie Ross
2/5.0
28, Jun 2023
Charges Weren?t Fully Explained
We got the funding pretty quickly, but the communication around fees and deductions could have been way better. We were quoted one figure for daily repayment, but when the ACH hits started coming out, it was always a few dollars more. When I called to ask why, they said it was due to ?automated servicing fees? and some percentage rounding. None of that was mentioned during onboarding. I felt like we had to keep chasing information that should have been given upfront. It?s not just the extra cost?it?s the principle. We were trying to manage every dollar, and that kind of oversight added unexpected pressure. If you?re considering Zinch, get everything in writing, and check your deductions carefully. They?ll fund you fast, sure?but you?ll want to be very vigilant about every line in the contract. We wouldn?t do this again. Lesson learned the hard way.
Sanjana Cooper
5/5.0
26, Jun 2023
Smooth and Clear Process
Zinch delivered funding promptly with clear guidance throughout. The team was easy to reach and transparent about repayment terms. Felt supported from application to disbursement?no surprises. Would definitely turn to them again if another short?term business boost is needed.
Alessandro Harris
5/5.0
18, Jun 2023
Excellent Customer Service
Their customer support was impressive. Got responses within minutes and every question answered. The funding was approved in no time and helped us pay our vendors on schedule. Loved how smooth it all went.
Liam Phillips
5/5.0
14, Jun 2023
Responsive and Fast
Our experience with Zinch was great overall. From the moment we submitted the application, things moved quickly. We had questions and they answered them without the usual back-and-forth you get from other lenders. The terms were explained clearly, and the funds were there the next day. It really helped us get through a rough patch.
Theodore Abraham
3/5.0
09, Jun 2023
Watch the Fine Print
We missed the detail about daily deductions from our account. It adds up fast, especially when sales are down. They weren?t dishonest, but I wish that part had been clearer upfront. Not a great fit for slower seasons.
Nathan Choudhury
4/5.0
03, Jun 2023
Fast Process with Friendly Service
We used Zinch to help purchase new point-of-sale equipment. The staff was courteous and professional. Everything was digital and moved quickly. Their team made sure we understood the repayment setup. We had the funds by the next morning. No issues so far and everything is going as planned. They even called afterward to ask if we had any questions.
Audrey Jenkins
2/5.0
27, May 2023
Difficult to Get Clear Answers
I had several questions about how repayment would be structured before signing the agreement with Zinch. Each time I asked, I got slightly different answers from different reps. One said deductions would stop on weekends, another said they wouldn't. One said the repayment percentage was fixed, another said it fluctuated with card sales. It was really frustrating trying to get consistent information. I finally agreed and received the loan, but the deductions started hitting harder than expected, and support kept deflecting instead of helping. It felt like the team was trained more to sell than to serve. The loan wasn?t a complete disaster, and we did get the funds fast, but clarity is everything in business finance. Unfortunately, Zinch fell short there. I'd urge anyone thinking about applying to get everything in writing?no verbal promises?because the info keeps shifting depending on who you talk to.
Andrew Krishnan
4/5.0
25, May 2023
Easy Process, Great Communication
From the first call, Zinch made things simple. Their reps were friendly and helped guide us through every step. The rates were a bit higher than we hoped, but for a quick solution, it worked. Funding was delivered within 24 hours, and the repayment plan was manageable. It really helped us navigate a short-term dip in our sales cycle.
Owen Hall
5/5.0
17, May 2023
A Lifeline When We Needed It
Our restaurant faced a sudden equipment breakdown and needed urgent repairs. Zinch got us funded within a day. The rep was understanding and patient, even when we had trouble uploading some of the required documents. The daily repayment came from our card sales, so we didn?t feel the pinch as much. We managed to fix the issue and stay open without disruption. Very thankful for their help.
Diya Collins
5/5.0
14, May 2023
Professional and Considerate
Zinch?s team felt genuinely invested in our success. They guided us through choices and suggested the best fit. The loan was delivered quickly, and repayment is tied to sales, which makes for manageable monthly installments.
Hazel Davies
5/5.0
06, May 2023
Reliable and Fast
Zinch was there when we needed help most. Application was short, approval was quick, and funds came in right on time. Their customer service was polite and always available when questions came up. The repayment plan fit well with our revenue, making it easier to manage. Highly appreciated.
Jasper Ahuja
3/5.0
21, Apr 2023
Decent but High Rates
Process was smooth and fast, but the interest rates ended up being a lot higher than we expected. Wish they were more upfront about total cost. It helped in the short run but not something I?d use again unless it?s a last resort.
Harper Young
5/5.0
18, Apr 2023
Good Partner During Busy Season
We were coming into our peak season and needed capital to expand inventory. Zinch reviewed our daily revenue and made us an offer that worked for our situation. We signed electronically, and funds were delivered right on time. What I appreciated was how they didn?t pressure us into taking more than we needed. That showed integrity. The repayment system is fair, especially for businesses like ours with consistent sales. Their support team followed up regularly to check in. Definitely made our busy season a little less stressful. Would work with them again.
Michael Rao
5/5.0
10, Apr 2023
Fantastic Support
Zinch?s staff was courteous and professional. They listened to our needs and offered a solution that made sense. Funds hit our account the next morning, and there were no surprises. Excellent all around.
Zinch
Previously known as Merchant Capital Source, Zinch has been helping small businesses access fast, convenient financing since 2004. Our mission has always been to make funding more inclusive offering straightforward, easy-to-use solutions. With a strong focus on financial flexibility, we're here to support small businesses and help them grow.
Address
695 Town Center Drive Suite 1200 , CA
92626
Costa Mesa
United States
Website
zinchfin.com
Email
customerservice@zinchfin.com
Telephone
(866) 969-7878
