How It Works

Whether you are looking for mortgage rates or business loans,
the ZapRates team has the expertise to make it a fast, easy, and enjoyable process.

Home Loans
Find the Lowest Rates in the Market
Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Reverse Mortgage Loans
Home Equity Loans
Home Equity Line of Credit (HELOC)

We help you find and compare the best home loan offers with no cost. From start to finish, when you're buying a home or refinancing your mortgage, we'll help you find the lowest loan rate in the market.

Business Loans
Little or No Collateral Required
Minimum Paperwork Required
Approvals for Average or Bad Credit
Approval Within 24 Hours
No Credit History Required
Flexible Repayment Terms
No Business Plan Required
Easy and Fast Application

We’re focused on providing small business owners easy and adaptable access to capital for growth and ability to spend their time where it should be — on growing their business.

Fix and Flip Loans
40 Years of Experience
Hundreds of Homes Financed
Very Fast Closings
Quick and Flexible Funding
Low Rates and Fees
Extremely Satisfied Clients
No Upfront Fees
No Hidden Fees

ZapRates programs for Hard Money Loans & Fix and Flip Loans provide reliable and flexible funding for your real estate investments and transactions. We will make closing easy for you.

No Obligation
No Effect On Your Credit Score For Quotes
Privacy Secured

ZapRates helps you find the best rates in the market

Latest Blogs

Pros and Cons of a Merchant Cash Advance

Are you a small business owner looking for immediate capital to satisfy your business needs? You came just to the right place, as this article will be discussing a merchant (i.e. business) cash advance – its benefits and shortcomings.

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Merchant Cash Advance VS. Small Business Loans

There are many ways that a small business owner can obtain the funds necessary to grow and reach new heights of success. Despite of numerous funding options, merchant cash advances and small business loans seem to be some of the most popular solutions to quick business financing. Wonder which one would work better for your business? The trick is understanding the distinction between the two.

Learn more

Business Line of Credit with the Best Loan Rates

Are you a small business owner who is trying to keep operations going smoothly with the ups and downs of sales, seasonal changes, and occasional cash flow shortages? Good news! A business line of credit will enable your business to pursue opportunities quickly, even when you don’t have funds available to invest. Here we will discuss what a business line of credit is and how it works so you can determine whether this is the right financial solution for your business.

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Invoice Factoring with the Best Loan Rates

Waiting to get paid is one of the biggest frustrations for many businesses. If you are a company with seasonal business or long payment cycles – you can relate. Invoice factoring is the solution you are looking for! It turns invoices into cash that you may use to meet your present and immediate business needs.

Learn more

Pros and Cons of a Mortgage Refinance

Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following benefits and drawbacks of refinancing a home to see if this financial solution makes sense for you.

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Pros and Cons of a Reverse Mortgage Loan

Do you own a home and wish to capitalize on that ownership in the years to come? A reverse mortgage can be an excellent tool for your retirement planning with a great number of benefits! However, this financing path is not suitable for everyone. We want you to understand the benefits and drawbacks of a reverse mortgage loan to help you determine if it is the right option for you. This page is a good place to start.

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Pros and Cons of a Home Equity Loan

As home values rise, more owners are now considering borrowing against their home equity via a loan. In other words, if your home is worth more than you owe on it, a home equity loan can provide you with funds for anything you want, and we are not just talking about home-related expenses. As you continue reading, you will be able to learn more on some advantages and disadvantages of home equity loans, which will further help you decide if this type of mortgage financing is right for you.

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Pros and Cons of a VA loan

We understand the challenges facing our military veterans. Life after the military may come with both emotional and financial difficulties in transitioning, and you may need help making ends meet. Our VA loan can give you the help you need!

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Pros and Cons of a Home Equity Line of Credit (HELOC)

When homeowners need extra funds to help cover expenses, a home equity line of credit, or HELOC, seems to be a convenient way to go. Even though HELOC can be an alternative resource for numerous mounting debts and other financial obligations, it is important to understand how it works to avoid any potential hiccups in the process.

Learn more

Common Questions

Buy a Home

There’s a mortgage product that fits your needs

From first-time buyer programs to reverse mortgages to home equity lines of credit, we can help you to find lenders offers that allow borrowers to:
Buy property with a low (or no) down payment
Build a house
Exchange home equity for cash
Purchase rental housing
Refinance to a better interest rate
Supplement monthly income
Renovate their residences
Small Business Loans options

Small Business Loans Programs to Merchants Who Have Credit Problems

Business Cash Advance funds can be used for any business purposes:
Purchase new equipments
Add new services or products
Purchase additional inventory
Sustain steady cash flow during seasonal lags in business
Business renovation or expansion
Fixing equipments
Corporate franchises
Professional services
Other purposes
 Small Business Loans options

Why Real Estate Investors Use Hard Money Lenders

Funds are needed right away to close escrow
The investor has bad credit or a recent foreclosure, short sale, or bankruptcy on their record
The investor is taking title in an entity such as an LLC, trust, corporation or non-profit
The investor is self-employed or doesn’t have enough employment history in their current position
The investor doesn’t want an involved and long qualification process
The investor owns too many investment properties
The residential property is uninhabitable which prevents a bank from providing lending
The investor needs to pull equity from one property to invest in another


ZapRates is an independent, advertising-supported publisher and comparison service. ZapRates is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. ZapRates does not include all companies or all available products.

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.