Unlock Working CapitalWithoutCollateral

Our insurance-backed model allows us to offer competitive rates ranging from 0.5% to 1.25% per 30 days based on your risk profile and volume. This pricing sits well below mezzanine financing while offering flexibility conventional bank financing cannot match – without collateral requirements or restrictive covenants.

No. Unlike traditional supply chain finance programs, Zenith’s solution requires no supplier contact or onboarding. Zenith simply pays suppliers directly on your behalf. This maintains your existing supplier relationships while still optimizing your working capital.

Zenith’s unique financing structure is designed to be classified as a trade payable on your balance sheet, not as debt. This typically allows for off-balance sheet classification, which many of our clients maintain due to our specialized documentation and program structure. However, accounting approaches can vary based on specific implementation details and your organization’s policies. We recommend consulting with your accounting team or auditors to confirm the appropriate classification for your particular circumstances.

Most auditors classify Zenith’s financing as a trade payable due to our unique structure and documentation. This typically allows for off-balance sheet classification, preserving key financial ratios. However, final determination depends on your specific implementation and auditor policies. We can provide documentation that has supported this treatment for our existing clients to share with your audit team.

Zenith’s implementation process can be as quick as 7-10 days from first contact to funding. The typical timeline includes:

• Initial discussion and NDA signing (1 day)
• Preliminary term sheet after credit insurance approval (2-3 days)
• Credit call and platform demonstration (1-2 days)
• Final approval and documentation (1-2 days)
• First invoice funding (immediate upon final approval)

While this accelerated timeline is possible, most implementations naturally spread over 2-4 weeks to accommodate client schedules and internal processes. This is still significantly faster than traditional financing solutions that typically require months to implement.

To qualify for Zenith’s financing solution, your company should meet these key criteria:

• Audited or reviewed financial statements
• Annual revenue between $25M and $1.5B
• Positive equity position
• Positive results from operations (operational profitability, even if there’s a net loss)

We evaluate each application individually and can sometimes accommodate situations that don’t perfectly match these guidelines.