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Line Of Credit Terms & Conditions

Please Review The Line Of Credit Terms & Conditions Below



ZOOMERAL, Inc. has a Lender on the platform that is offering Business Lines of Credit to ZOOMERAL’s members exclusively. You will not find terms like these any place else.

The terms are as follows:

  • Five percent [5%] Interest-only. The Line of Credit’s principal must be paid in full by the end of the term.
  • Five [5] year term
  • No pre-payment penalties
  • No personal guarantees.

The Lender is offering lines of credit as low as twenty-five thousand dollars [$25,000] and there is NO MAXIMUM.

Twenty-five percent [25%] of the total requested amount of Line of Credit is required to be deposited into the Lender’s attorney’s IOLTA account after you accept your term sheet. Once funded, the cash is moved into a pre-paid interest account that makes the interest-only payments throughout the term of the loan on time and in full every single month.

EXCEPTION: If the twenty-five percent [25%] exceeds one hundred twenty-five million dollars [$125,000,000], the funds can remain in the company’s attorney’s IOLTA.

EXAMPLES: For a one million-dollar [$1,000,000] Line of Credit, you would need to place two hundred fifty thousand dollars ($250,000) into the Lender’s attorney IOLTA. The minimum deposit is six thousand two hundred fifty dollars [$6,250] for a minimum Line of Credit of twenty-five thousand dollars [$25,000].

If you do not have the twenty-five percent [25%] that is required to be placed into the IOLTA, there are other options. The Lender has relationships intact to be able to raise the twenty-five percent [25%] you need. In addition, ZOOMERAL’s other Lenders, accredited investors, etc., can help provide the twenty-five percent [25%] as well. In other words, this could be one hundred percent [100%] funding when put together in a responsible way!

This unique financing structure allows the Loan to Value [LTV] to be fair market value. The Lender knows and has faith that you will not purchase something for one million dollars [$1,000,000] that is only worth twenty-five thousand dollars [$25,000].

The Lender quotes between fourteen to ninety [14 – 90] days from the date of deposit into the attorney IOLTA and all requested deliverables being submitted to get funding.

The Lender will secure their investment by taking (1) a First Position UCC Lien on all the company’s assets and (2) the pre-paid interest account that makes ALL the interest-only payments throughout the term.

Since there are no pre-payment penalties, you can take your remaining money out of the pre-paid interest account when your balance is zero dollars [$0] if you wish to do so.

A Personal Guarantee makes the individual who signed for the loan personally liable if anything were to go wrong. A Corporate Guarantee only makes the business liable. There IS a Corporate Guarantee for this product. There is NOT a Personal Guarantee.
If you are looking to purchase multiple properties, you do not have to wait for the Lender to fund each one. The Line of Credit is there for you to use. Depending on the size of the Line of Credit you request, it can be delivered to you in one [1] to four [4] tranches. This will be determined by the Lender before funding and will be clearly outlined on the Loan Agreements.

To get pre-approved for ZOOMERAL’s Exclusive Business Line of Credit, you will only need to submit the following information to the Lender. (1) A Customer Information Summary, (2) Two [2] Forms of Identification and (3) a Business Plan. Further instructions are provided when you receive the application.

The Lender funds all types of businesses in any stage including startups. Once you activate your ZOOMERAL Business account, the Line of Credit application will be automatically emailed to you from the Lender with further instructions.

If you have your twenty-five [25%] percent deposit that is required for funding ready, you will receive a term sheet within twenty-four [24] hours after submitting your application. After the Lender has received your application, the Lender will request a Proof of Funds prior to releasing Loan Agreements. If all required documents are executed, the Lender will send you Wiring Instructions for the Lender’s Attorney’s IOLTA. More on how this process works will be provided in the documentation you receive.

If you do not have the twenty-five percent [25%] deposit that is required for funding, you will receive a term sheet within twenty-four [24] hours that you can show to your potential investors while ZOOMERAL’s Investors and Lenders work to provide the capital on your behalf.

All questions you have for the Lender must be answered by the Lender.

The Lender at any time may and must submit in writing to ZOOMERAL, Inc. prior to any changes to/alterations of these terms.

DISCLAIMER: ZOOMERAL, Inc. {Sender} is NOT a United States Securities Dealer or Broker or U.S. Investment Advisor. Sender is a Consultant and makes no warranties or representations as to the Buyer, Seller or Transaction. All due diligence is the responsibility of the Buyer and Seller. This document is never to be considered a solicitation for any purpose in any form or content. Upon receipt of these documents, the Recipient hereby acknowledges this Disclaimer. If acknowledgment is not accepted, Recipient must return any and all documents in their original receipted condition to Sender.

PRIVATE AND CONFIDENTIAL: This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. Please inform the sender if you have received this in error by returning it to

Sender does not solicit or make recommendations to buy, sell, or hold securities. This document is meant for informational and educational purposes only and does not provide investment advice.

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