Zenterra Ventures offers a range of direct lending products designed to match the actual structure and goals of your business — not a one-size-fits-all package.
A term loan from Zenterra provides a lump sum of capital repaid over a defined period through regular installments. Ideal for capital expenditures, major investments, or initiatives with a clear financial timeline.
We structure term loans with fixed or variable rates, amortization schedules aligned to your cash flow, and terms ranging from 12 months to 5 years depending on the purpose and profile of the loan.
A revolving line of credit gives your business flexible access to capital up to a set limit. Draw what you need, when you need it — and replenish as you repay. Interest accrues only on amounts drawn.
Zenterra's lines of credit are designed for businesses with recurring capital needs: managing seasonal cash flow, bridging receivables, or maintaining operational flexibility during growth phases.
Preserve your working capital by financing essential equipment rather than purchasing it outright. Zenterra structures equipment loans with the asset itself as collateral, and repayment terms aligned to the productive life of the equipment.
Qualifying equipment includes manufacturing machinery, commercial vehicles, technology infrastructure, medical equipment, and other capital assets central to your operations.
When your business is ready to scale — whether through a new location, market entry, or strategic acquisition — Zenterra provides expansion financing with the structure and size to match the ambition.
We evaluate expansion loans holistically, accounting for projected revenue, management capability, and the competitive dynamics of the market you're entering. Growth capital deserves growth-oriented underwriting.
Bridge loans from Zenterra provide short-term capital to keep time-sensitive transactions on track while permanent financing is arranged. Common applications include acquisitions, real estate transactions, and interim funding between funding rounds.
We move quickly on bridge financing because timing is its entire purpose. Our direct lending structure allows us to issue decisions and fund closings faster than institutions dependent on committee approvals.
Operational funding to meet payroll, manage inventory, fulfill large orders, or navigate cash flow gaps during growth periods. Working capital loans from Zenterra are structured to be accessible and fast — because operational needs rarely wait.
We assess working capital needs in the context of your business cycle, ensuring loan structure and repayment terms align with actual revenue timing rather than an arbitrary calendar schedule.
Zenterra evaluates each application individually. The following represent typical baseline criteria — not rigid rules. We encourage businesses that fall outside these parameters to reach out and discuss their situation.
Business in operation for at least 12 months
Minimum annual revenue of $150,000
Business located or operating in New York State
Valid EIN and active business registration
Business bank account in good standing
No open bankruptcies
Owner(s) with 20%+ ownership available to provide personal guarantee
Having these documents ready accelerates the underwriting process significantly.
3–6 months of business bank statements
Most recent 2 years of business tax returns
Year-to-date profit & loss statement
Current balance sheet
Government-issued photo ID (owner/principals)
Business formation documents (articles of incorporation or LLC operating agreement)
Not all documents required upfront. Our team will specify exactly what we need for your loan type after reviewing your initial application. We don't collect documents we don't use.
Submit your application via our contact form. Concise and focused — we ask only what's relevant to your loan type.
A Zenterra team member will contact you to discuss your business, objectives, and the right product structure.
We review your financials with care and speed. Our direct lending model eliminates third-party delays.
Upon approval and agreement, funds are disbursed. Your capital is working as quickly as your business needs it.
Our team will help you identify the lending solution that best fits your situation and goals.
Start Your Application