Intro 0% business financing is a window, not a forever rate. Amounts run $50,000–$500,000+. There is no collateral. No business revenue history is required. The 0% period is typically 6–18 months. After that window, line pricing is quoted per file in an approximate 5.99%–14.99% band.
That is a different product from the unsecured term loan — a 3-, 5-, or 7-year amortizing installment at approx. 6%–18%, often funded in 3–10 business days. Pick the stack that matches the clock and the payment you can underwrite.
Jaken Finance Group originates property loans. Unsecured capital is a separate application.
Pre-qualify for intro 0% funding →
Pre-qualify for an unsecured term loan →
Program terms
| Parameter | This program |
|---|---|
| Amount | $50,000–$500,000+ |
| Intro rate | 0% for 6–18 months |
| After intro | Approx. 5.99%–14.99%, quoted per file |
| Collateral | None — unsecured |
| Revenue history | Not required |
| Use of funds | Business-purpose only |
| What Jaken Finance Group originates | Hard money, bridge, DSCR, construction on investment property |
This is not a consumer personal loan. The CFPB Ability-to-Repay rules describe owner-occupied mortgage credit. This facility is underwritten as business-purpose capital. If the money is for a house you live in, this is the wrong product.
When intro 0% is the better first call
- A new location with no trailing sales. Term-loan underwriting still wants tax returns that can carry a 3-, 5-, or 7-year installment. The intro window is built for a file with little or no business revenue.
- A remodel that must start before the room is printing. Lease clocks, health inspections, and franchise PIPs do not wait for a year of P&L.
- You can retire or refinance the balance before the intro ends. 0% is only cheap if the balance is gone — or the post-intro payment still works — when month 19 arrives.
If you already have two years of returns and want a fixed monthly number, stay on the unsecured term loan and submit the term-loan form.
Intro 0% vs the unsecured term loan vs SBA vs equipment
| Need | Better first call |
|---|---|
| New company or thin revenue, wants the 0% window | This page |
| Known 3/5/7-year installment, $50,000–$500,000 | Unsecured term loans |
| Single vendor invoice for a serial-numbered machine | Equipment financing, 6%–14% |
| 45–90 days available and a cheaper long-term stack | SBA 7(a) / SBA startup loans |
| You own the building and need a mortgage | Commercial financing |
Do not mash intro 0%, term-loan 6%–18%, equipment 6%–14%, and hard money 8.99%–13.5% into one cell. Those are different products.
The FTC’s small-business financing notes are worth a read before you treat any intro rate as a permanent quote.
Industry remodels that often use this window
A leasehold remodel is mixed invoices: contractor labor, permits, flooring, plumbing, lighting, and FF&E that will not take a UCC filing. That is why these situations sit next to intro 0% and the term loan, not on equipment financing:
- Laundromat renovation financing
- Restaurant renovation financing
- Salon renovation financing
- Auto repair shop renovation financing
- Dental office renovation financing
- Bowling alley renovation financing
- Car wash renovation financing
- Daycare working capital
- RV park and campground renovation financing
Washers, lifts, chairs, pinsetters, and tunnel gear with a dealer invoice still belong on equipment paper at 6%–14%. Split the file.
What underwriting still wants
- Identity and entity papers
- A use-of-funds statement a lender can believe (invoices, contractor bid, or a one-page scope)
- Personal credit that can carry the account — no FICO floor is published here
- A business purpose, not consumer debt consolidation
A brand-new entity can still be a conversation. A slide deck with no purpose and no personal file is not.
Risks that show up after the intro
- The rate steps up. Model the post-intro payment at the high end of 5.99%–14.99%, not only the 0% months.
- Minimums and fees still exist. Intro 0% is not “free money.” Ask what happens if you only pay the minimum during the window.
- Personal guaranty is the collateral. There is no building foreclosure on this product. There is you.
- A remodel does not print revenue on day one. If the room is dark for 90 days, the account is still open.
How to apply
- Decide whether you need a fixed installment or the intro 0% window.
- If you want the installment, submit the unsecured term-loan form.
- If you want the intro window, pre-qualify on the 0% form linked above.
- If any line item is a serial-numbered machine, split it onto equipment financing.
Pre-qualify for intro 0% funding · Unsecured term loans · (833) 264-7776
Quick answer: intro 0% business financing
Intro 0% business financing is an unsecured business-purpose facility from $50,000–$500,000+ with no collateral and no business revenue history required for the intro path. The 0% period is typically 6–18 months. After that window, pricing is quoted per file in an approximate 5.99%–14.99% band. It is not a forever rate.
Use this product when you need the intro window for a launch, remodel, or working-capital draw and can underwrite the post-intro payment. Use the unsecured term loan when you want a fixed 3-, 5-, or 7-year installment at approx. 6%–18% and already have tax returns that carry the payment.
Who intro 0% fits best
| Situation | Why intro 0% |
|---|---|
| New location, no trailing sales | Revenue history not required on this path |
| Remodel before the room prints | Lease and inspection clocks beat SBA calendar |
| Franchise PIP with a hard open date | Need draws before royalty reports exist |
| Thin P&L but strong personal file | Term loan may stall; intro window is the bridge |
| You can retire balance before intro ends | 0% is cheapest when the balance is gone in month 18 |
If you already have two years of personal and business returns and want one known monthly number, submit the unsecured term-loan form instead.
Intro 0% vs unsecured term loan — payment math
Term loan example: $150,000 at illustrative 12% over 5 years ≈ $3,337 per month from month one.
Intro 0% example: Same $150,000 may have minimal payments during months 1–18, then step to a quoted line rate. If $120,000 remains at 14.99%, the post-intro payment can exceed the term-loan line you avoided at month one.
Always model month 19 at the high end of 5.99%–14.99%, not only the 0% months.
Industry pages that pair with intro 0%
Leasehold remodel and working-capital gaps on these niches often start with intro 0% when revenue is thin, then refinance or pay down before the intro ends:
- Laundromat renovation financing
- Restaurant renovation financing
- Salon renovation financing
- Auto repair shop renovation financing
- Dental office renovation financing
- Bowling alley renovation financing
- Car wash renovation financing
- Daycare working capital
- RV park and campground renovation financing
Serial-numbered equipment still belongs on equipment financing at 6%–14% — split the file.
Mistakes operators make on intro 0% files
- Treat 0% as life-of-loan pricing.
- Draw for equipment that should be UCC paper.
- No post-intro payment plan — minimum payments during intro can leave a large balance.
- Consumer debt consolidation disguised as business purpose.
- Ignore personal guaranty — there is no building to foreclose, but there is you.
- Skip the term-loan compare when returns already support a 5-year installment.
Documents to gather before pre-qualify
- Government ID and entity documents
- Use-of-funds statement with bid, invoice, or one-page scope
- Personal credit authorization — no FICO floor published here
- Business purpose narrative (location address, industry, open date)
- Split equipment vendor quotes off the remodel invoice
After the intro: refinance and payoff paths
- Pay down from operations once the room or center hits stabilized deposits
- Refinance to unsecured term loan if returns support a 3-, 5-, or 7-year installment at 6%–18%
- SBA 7(a) when the business has two years of returns and you can wait 45–90 days
- Never mix intro 0%, term 6%–18%, equipment 6%–14%, and bridge 8.99%–13.5% into one blended “rate”
Related paths on this site
- Unsecured term loans · unsecured term loan calculator
- Unsecured loans for startups
- SBA startup loans
- Real estate down payment funding
- Loan eligibility requirements
Sources
Intro 0% is a window, then a quoted line — not an SBA 7(a) substitute. Permanent cheap stack when you have 45–90 days: SBA loan programs. Intro-rate marketing is exactly the kind of claim the FTC’s small-business financing notes tell operators to read twice. This facility is business-purpose: CFPB Ability-to-Repay describes owner-occupied mortgages, not this account.
Illustration figures on related pages are estimates, not a loan offer. Intro 0% lasts 6–18 months, then pricing is quoted per file. Jaken Finance Group originates non-owner-occupied investment property loans. Unsecured pre-qualification is a separate application.