Zona Funding

What Zona Funding does

Zona Funding LLC is a privately held online lead-generation marketplace, founded in 2019 and headquartered in Scottsdale, Arizona, that matches prospective small business borrowers in the United States with third-party banks and lenders. The company does not originate loans, make credit decisions, or set loan terms; rather, it collects borrower contact data and applications through its website and routes them to third-party Loan Service Providers that pay referral fees for the leads. The company states it has matched borrowers with lenders that funded individual deals ranging from $130,000 (a 2015 Caterpillar D6N for a construction business) to $555,000 (three 2022 Freightliner 108SD garbage trucks for a waste management business), with tickets typically between $10,000 and $500,000 and equipment-financing terms up to 72 months without additional collateral.

The product surface comprises Equipment Financing (vehicles, machinery, technology, software with terms up to 72 months), Lines of Credit (cashflow-based approvals), short-term Working Capital loans with rate factors of 1.06 to 1.20 depending on term and risk, and SBA loans. The company markets a speed-led value proposition: applications completed in under five minutes, approval decisions within four hours of document submission, and equipment ordered or delivered within 24 hours of approval. Distribution is direct-to-SMB via a self-serve website application portal, inside phone sales staffed by funding specialists, and SMS outreach; top-of-funnel demand is generated through SEO and an educational blog about small business financing.

Underlying technology is a Wix-hosted web presence with no proprietary platform, API, SDK, or mobile app disclosed. The revenue model is marketplace commission: third-party lenders pay fees for borrower leads matched by Zona Funding. The company is bootstrapped with no disclosed funding rounds, has a management team of 8 (President/CEO Ernesto Samaniego, VP Operations, VP Sales, Head of Marketing and Business Development, Senior Manager People Operations, and front-office transaction and funding specialists), and serves only the United States small business market.

Name

Zona Funding

Legal name

Zona Funding LLC

Website

https://zonafunding.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Zona Funding is a privately held, Scottsdale-based online lead-generation marketplace that matches US small business borrowers seeking equipment financing, lines of credit, and working capital with third-party lenders, earning referral fees on matched leads.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Small business lending
• Equipment financing
• Working capital loans
• Borrower lender marketplace
• Lead generation financing

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&D

Revenue model

1. Lead Generation / Referral Fees: Zona Funding generates revenue by collecting Contact Data from prospective borrowers and sharing it with Third Party Loan Service Providers (lenders). The Third Party Loan Service Providers pay a fee for access to these users. The company does not originate loans itself, make credit decisions, or determine loan terms—all of that is handled by the third-party lenders. The company acts purely as an intermediary/marketplace matching borrowers with lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Zona Funding operates as an online lead generation marketplace that matches prospective small business borrowers with third-party lenders. The company does not originate loans or make credit decisions; instead, it collects applicant data and shares it with Third Party Loan Service Providers who pay a fee for access to qualified leads. It facilitates Equipment Financing (terms up to 72 months, no additional collateral) and Lines of Credit for small businesses needing capital for equipment purchases or working capital.

Product overview

Zona Funding operates as an online lead generation marketplace that connects small business borrowers with third-party lenders. The company offers two core financing products: Equipment Financing for acquiring machinery, vehicles, trucks, and software with terms up to 72 months and no collateral required; and Lines of Credit providing flexible working capital access where businesses borrow only what they need. The platform facilitates quick funding decisions (within 4 hours) and can deliver equipment financing in under 24 hours. Loan amounts range from $10,000 to $500,000 with 6 to 60-month terms.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing Financing solution enabling small businesses to acquire machinery, trucks, software, and other equipment with monthly payments. Terms up to 72 months with no additional collateral required; loan amounts $10,000 to $500,000.
• Lines of Credit Flexible revolving credit facility allowing small businesses to borrow only the amount needed for any business purpose without restrictions. Credit decisions are based primarily on cashflow rather than credit scores.

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Third Party Loan Service Providers (Banks and Lenders)coreChannel Partner/ Reseller/ DistributorZona Funding matches prospective borrowers with one or more banks and/or lenders who provide the actual financing. The Third Party Loan Service Providers pay a fee to Zona Funding for access to borrowers who utilize the Contact Services. Zona Funding is not a lender and does not originate, make, or refinance loans or make credit decisions.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Credibly: Credibly provides working capital, small business loans, and equipment financing to SMBs, partnering with a network of lenders. Its SMB equipment and working capital focus directly overlaps Zona Funding's product set.
• SmartBiz: SmartBiz is a fintech marketplace focused on SBA loans and small business financing through bank partners. Its bank-partner referral model for SBA and term lending is comparable to Zona Funding's broker-of-lenders structure.
• National Funding: National Funding is a direct small business lender specializing in working capital and equipment financing for SMBs. While it funds loans itself rather than brokering, it competes in the same equipment financing and working capital segment Zona Funding serves.
• Biz2Credit: Biz2Credit is an SMB lending marketplace that matches borrowers with banks and alternative lenders for working capital, term loans, and SBA products. It overlaps directly with Zona Funding's small business loan referral value proposition.
• Fundera: Fundera (a NerdWallet company) is a marketplace that helps SMBs compare loan products from a network of lending partners. Its product breadth, target borrower (SMBs), and intermediary-only model closely mirror Zona Funding.
• Lendio: Lendio is one of the largest SMB loan marketplaces in the US, connecting small business borrowers with a network of lenders across term loans, lines of credit, SBA loans, and equipment financing. It is the closest comparable to Zona Funding's referral-driven marketplace model.

Broad incumbents

• OnDeck: OnDeck (now part of Enova) is a digital SMB lender known for short-term working capital and term loans. It is comparable to Zona Funding as a competitor for the same SMB working capital borrower, though it funds loans directly.
• Funding Circle: Funding Circle is a publicly traded SMB lending marketplace and direct lender serving small businesses across multiple geographies. It is comparable as a multi-product SMB financing marketplace, though it operates at materially greater scale and with its own balance sheet.
• LendingTree: LendingTree is a broad financial services marketplace that includes SMB and consumer loan comparison. While it operates at much larger scale across many product types, its marketplace model for matching borrowers with multiple lenders is the same fundamental category as Zona Funding.

Emerging players

• Accion: Accion is a nonprofit small business lender and advisor connecting underserved SMBs with capital and partners. While it operates as a mission-driven lender rather than a pure marketplace, its SMB borrower profile overlaps with Zona Funding's cashflow-driven underwriting approach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ZonaFunding
• LinkedInlinkedin.com/company/zonafunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zona Funding