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Get Approved* means you meet the basic criteria for a Business Loan, Merchant Cash Advance, or Hard Money Loan with our trusted lenders. The answers to your questions with the pre-approval process must be verified by the documents we request such as bank statements, merchant statements or verbal verifications. For the actual approval to be issued a long with the terms of the loan. Funding time for certain programs also depends on the merchant cooperating and sending the proper documents in to our trusted lenders to close the loan. In most cases the merchant will be responsible for how fast the business loan closes and how fast their business checking account is funded. ZapRates reserves the right to change or modify their pre-approval criteria for all loan programs at any time along with any other data or information listed on this site and some exceptions could be possible. Please contact us for complete program details and see our terms and conditions for more information.