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How It Works

Helping To Bridge Your Financial Gap


What’s Needed?

Apply online in minutes or over the phone by calling 801-475-5540. We can have you approved in 48 hours. No complicated applications and no obligations if you decide this isn’t for you. Just a few easy steps and you get that cash in your hands quickly and easily.
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After you submit your application, we may need some additional information from you such as:

  • Business Tax ID
  • Credit card statements for the previous 3 months
  • Bank statements for the previous 1 to 3 months
  • Social Security number of business owner(s)
  • Drivers license number and state of issue

Still have questions?
Call us at (801) 475-5540



How Much?

From $5,000 to $150,000, our goal at ZDS is to help you with the funds you need for whatever you need them for. Merchant cash advances can be used for general working capital or for specific purchases such as inventory or equipment.
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Helping you grow your business is our mission. We work with all kinds of businesses including restaurants, doctors, auto repair shops, etc. You know better than anyone your business’ potential. ZDS understands your personal credit score doesn't always reflect the true health of your business. That’s why our system values things like cash flow over credit scores when we analyze your business. Often we can approve your business capital advance even when you have been turned down by traditional banks. Your business can be approved if you have been in operation for at least 12 months, have a positive cash flow and are based in the United States.

Still have questions?
Call us at (801) 475-5540



What’s the Process?

ZDS provides merchant cash advances to fund your business in exchange for a percentage of your daily sales, never taking more than your cash flow can handle. For example, if your sales come in low for the month, we take a lower percentage for repayment.
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Your business repayment for your capital advance is effortless. There are two different repayment methods used by ZDS:

Split Withholding / Funding:
When the credit card processing company automatically splits the credit card sales between your business and ZDS per the agreed upon portion.

ACH Withholding:
When structured as a sale, ZDS receives the credit card processing information and deducts its portion directly from your business's checking account via ACH.

You will continue to pay a percentage of your sales to ZDS monthly until the advance has been paid in full.

Still have questions?
Call us at (801) 475-5540


Why Choose ZDS Over A Bank?

Easy application process.

Next to zero paperwork.

Fast approvals.

Cash flow considered.

High credit score not necessary.

Repayments based on percentage of cash flow.