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FDIC-Insured - backed by the full faith and credit of the U.S. Government.

ZiFi® SBA SMALL LOANS

Hassle-Free Capital

A Reimagined SBA Loan Application Process That Is Truly Streamlined

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Up to $50,000
with an SBA small business loan1,2

Get the capital your business needs to make growth possible.

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What Makes ZiFi an Ideal Lender?

When business funding feels complicated, we make it simple. Our streamlined SBA loan experience is designed to be quick and easy.

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150+ Years of Business Banking Experience
Flexible Business Use of Funds
Favorable Terms & Rights
Timely Decisions & Funding
Easy Online Application
Federally Regulated Bank
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A LEGACY OF SERVICE

Doing
It Right

ZiFi is a division of Zions Bancorporation, N.A., a federally regulated bank and an SBA Preferred Lender. We follow strict compliance standards, plus, our team will help you navigate the loan process with confidence.3

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  • Up to a 10-Year Term
  • U.S. Government Backed
  • Attractive Rates
  • Fast Funding After Approval
  • Unsecured Loans

Where Capital Meets Vision

SBA loans provide funding opportunities to help small businesses expand operations, hire staff, acquire assets, invest in new equipment, boost working capital, or pay off existing debt.

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Why Choose ZiFi As Your SBA Lender?

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Personalized Support

At ZiFi, youʼre more than just a number. Work with a dedicated business banker who knows you and your business.

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Expedited Approvals

ZiFiʼs Preferred Lender status (through Zions Bancorporation N.A.), ensures timely processing and approval of your loan.3

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Transparent Lending

Straightforward financing with clear terms and no hidden fees, so you can make the best decisions for your business.

It Pays to Bank With ZiFi

Built to help your small business earn more, save more, and keep more.
See below for other ways your small business can benefit.4

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At-Cost Payment Processing

No hidden markups or fees. Just pay card interchange rates + 9¢ for processing ― thatʼs it!5,6

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$5,700 per year in annual savings5,6

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ZiFi Business Savings

Fee-free digital banking with a premium interest rate on Business Savings account balances.7,8

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$250 per year in annual earnings4,8

We’re Here to Support You

Reach out to our team of dedicated business bankers for personalized support or check our FAQs for answers to the most common questions about ZiFi. 

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THE BANK THAT PAYS™
A division of Zions Bancorporation, N.A. Member FDIC
An award-winning bank for Small Business
Equal Housing Lender
© 2026 Zions Bancorporation, N.A. All Rights Reserved
Contact Us
800-341-7303
support@ZiFi.com
Routing Number
124002829
Privacy Statement SMS Terms of Use Agreement Center Do Not Sell My Personal Information

(1) Subject to credit/underwriting approval and SBA approval. Terms and conditions apply. Interest rate is variable and subject to change. See Banker for details.

 

(2) New loans only. Must comply with all SBA eligibility and requirements. Other terms and conditions apply. Offer subject to change. See Banker for details.

 

(3) Zions Bancorporation N.A. is approved to offer SBA loan products under SBA’s Preferred Lender Program.

 

(4) Subject to program qualification. Not available in every state. Any offer is subject to change. Any rates presented or values calculated are estimates only and do not constitute guaranteed savings, rates or other monetary benefit. Any specifically stated amount of interest earned, interest rate(s) or savings may vary. Terms and conditions apply. See a Banker for full details. Please refer to the Deposit Account Agreement, account disclosure, ZiFi Business Banking Deposit Rate Sheet and the ZiFi Business Accounts Schedule of Fees, or speak with a Banker for more details.

 

(5) Any savings estimate provided in connection with payment card processing are based on the average monthly savings of current ZiFi customers compared to their previous providers and are projected on an annual basis. Actual savings may vary. Interchange rates are set solely by the payment card networks (e.g., Visa, Mastercard, American Express, Discover) and are publicly published by those networks. These rates may include additional fees or costs assessed by the networks, which ZiFi does not control and which have been disclosed in the pass through fee guide, such as assessment fees, authorization fees, risk and compliance fees, and other applicable pass through fees. Additional third party fees, which may include, but are not limited to, equipment, hardware, or software fees, may also apply.

 

(6) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by ZiFi, a division of Zions Bancorporation, N.A. Member FDIC. Additional terms and fees may apply.

 

© 2026 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover Network, LLC., and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

 

(7) Any savings estimate provided in connection with ZiFi digital banking fees is based on competitor monthly or annual pricing for base subscription or standard fees of $25 per month, annualized. Standard fees are defined as setup fees, account fees, monthly fees, digital transaction fees, subscription fees, and deposit fees. Fee-free digital banking means that our ZiFi mobile and online banking services are currently provided at no cost. However, this does not include third party fees such as internet service provider fees or data and message fees. Also, certain account-specific transaction activity fees, that could occur for transactions conducted through or outside of digital banking, may still apply. Please refer to the Business Accounts Schedule of Fees. Any offer is subject to change.

 

(8) Rates are variable and can change at any time. Any estimated annual earnings applies to the ZiFi Business Savings account, which assumes a daily balance of $10,000, and an interest rate of 2.5%.

 

🔗 For your convenience, ZiFi may provide links to third-party service providers. ZiFi’s website and/or mobile terms, privacy and security policies don't apply to those sites or apps. Please review their terms, privacy, and security policies to see how they apply to you. ZiFi isn’t responsible for (and doesn’t provide) any products, services or content at those third-party sites or apps, except for products and services that explicitly carry the ZiFi name.