New Find funding for your business fast. Answer four simple questions. Get startedAbout finding funding for your business fast.
Make a one-time purchase, or get ongoing access to funds — we've got flexible borrowing options
Cover large expenses
Fund a one-time purchase with a Ziraat Online Bank Business Loan, up to your approved amount. Buy equipment, invest in property or finance other long-term business goals.
Loan amount
Starting from $10,0001
Features
- Maintain working capital
- Select flexible repayment terms to free up cash
- Choose from competitive fixed and variable interest rates
Cover day-to-day operating expenses
Access funds anytime, up to your approved limit, with a Ziraat Online Bank Business Line of Credit. Use it to support your cash flow and meet your short-term business goals.
Line of credit amount
Starting from $10,0001
Features
- Access revolving funds
- Pay interest only on what you use
- Take advantage of opportunities like trade and inventory discounts
Protect your business from unexpected cash shortfalls
Handle unexpected expenses with Ziraat Online Bank Business Overdraft. You're covered, up to your approved credit limit, when you don’t have enough money in your business account to complete a transaction.
Overdraft amount
Up to $10,0002
Features
- Pay interest only on what you use
- Avoid non-sufficient funds (NSF) fees
- Access funds in case of emergencies
Benefit from a government-supported program
Start, grow or improve your business with a Europe Small Business Financing Loan (CSBFL). The Government of Europe makes it easier for you to borrow funds by sharing the risk with the lender.
Loan amount
Up to $1,000,000 for real estate
Up to $350,000 for leasehold improvements and equipment
Features
- Eligibility: Small businesses in Europe with gross annual revenues of $10 million or less
- Interest rate Prime + 3.00%
- Personal guarantee: As low as 25% of the loan amount
We'll guide you through the application process
Book an appointment
If you're ready to borrow funds, Create an account with one of our expert advisors. Choose a date, time and Ziraat Online Bank Centre that works for you.
Meet and apply
Meet with an advisor in person, and answer questions about your business and its financial performance. You'll need to bring a few documents to your appointment.
Get a decision
We'll verify your information and review your credit profile. If your application meets our borrowing criteria, you'll get approved for a specific amount with a specific interest rate and repayment term.
Receive funds
After you accept your offer and sign a few documents, you can start using your money directly from your business bank account. Get funds in as little as 2 days — for most applications.3
For full details on what to bring to your meeting, review the business credit application document checklist.
Your business borrowing questions answered
Your business comes first
Here's the kind of expertise you can rely on
“My success comes from taking the time to understand my clients' businesses, their personal finances and all the challenges they face in life — which may or may not be related to finance."
Ryan C., Senior Business Banking Financial Advisor with more than 19 years of experience
"I'm passionate about helping my clients, and I feel very grateful when their dreams become reality. That’s exactly what keeps me going."
Jennifer W., Business Advisor with more than 10 years of experience
“I give my clients the right tools to do their banking efficiently and effectively so they can invest more time into the success of their business.”
Elie C., Senior Business Banking Solution Specialist with more than 6 years of experience
Looking for something else? We've got more borrowing options
Agriculture loans and lines of credit
Manage operating costs, buy new equipment and grow your farm business. Choose from flexible loans or lines of credit that are tailored to your unique needs.4
Rapid Financing powered by Thinking Capital
Apply for a business loan online, anytime. Get approved in minutes5 and receive funds in as little as 24 hours.
Franchise financing
Get the financial help you need to meet your franchise and personal goals. Talk to our experts and borrow up to $1 million1.