Not sure which one fits? Most people who land on this page are not sure either, and that is completely normal. If you are a business owner looking for breathing room, working capital, or our debt restructuring program is usually the right place to start.
If you are a real estate investor, DSCR or fix-and-flip financing is the more common fit. If you are a homeowner exploring options for the first time, our business purpose HELOC is worth a look regardless of whether you own a business. A short conversation with our team will narrow this down in minutes.
Zeus Commercial Capital was founded by Thomas Moore, an entrepreneur who has generated more than $150 million in gross revenue across multiple industries, including automotive finance, liquidation, logistics, retail, and now commercial lending, without inherited wealth or outside backing.
That track record matters here for one simple reason: Thomas has sat on both sides of the table. He has needed capital to grow a business under real pressure, and he has felt what it is like when a lender does not understand the bigger picture. Zeus Commercial Capital exists so other business owners do not have to learn that lesson the hard way.
See What You Qualify For
No cost, no obligation — just answers.
15,000+
Funding Partners
$150M+
Founder Track Record
5–7 Days
Typical Funding Time
10
Capital Programs
We have been recognized as a Top 10 Innovative Financing Firm, and our approach has always been the same: understand the business first, then find the capital that fits it. Zeus Commercial Capital was founded by Thomas Moore, an entrepreneur who has generated more than $150 million in gross revenue across multiple industries, including automotive finance, liquidation, logistics, retail, and now commercial lending — without inherited wealth or outside backing.
“Thomas has sat on both sides of the table.”
That track record matters here for one simple reason: he has needed capital to grow a business under real pressure, and he has felt what it is like when a lender does not understand the bigger picture. Zeus Commercial Capital exists so other business owners do not have to learn that lesson the hard way.
Ready to see what you actually qualify for? Apply online or speak with a funding advisor to walk through your options. There is no cost and no obligation to start the conversation.
Built Across Industries
$150M+
Gross revenue generated by founder Thomas Moore
Top 10
Recognized as an Innovative Financing Firm
0
Inherited wealth or outside backing — built from the ground up
Zeus Commercial Capital is the main hub for an entire ecosystem of financing solutions. Rather than forcing every client into one product, we built a network broad enough to match the right capital to the right business: Working capital and SBA loans for businesses that need funding to operate, expand, or bridge a gap. Merchant cash advances and MCA debt restructuring for businesses managing cash flow pressure or existing advance debt. DSCR loans for real estate investors who want financing based on property income, not personal income. Fix and flip loans for investors renovating and reselling residential property. Business purpose HELOCs for homeowners and investors who want to access home equity without selling assets. Business lines of credit for ongoing access to working capital. Invoice factoring for B2B companies waiting on slow-paying clients. Crypto-backed loans for Bitcoin and Ethereum holders who want liquidity without selling. Commercial real estate financing for owner-occupied and investment commercial property. Debt restructuring for businesses carrying expensive, unsustainable debt.
“A short conversation with our team will narrow this down in minutes.”
Not sure which one fits? Most people who land on this page are not sure either, and that is completely normal. If you are a business owner looking for breathing room, working capital or a debt restructuring program is usually the right place to start. If you are a real estate investor, DSCR or fix-and-flip financing is the more common fit. If you are a homeowner exploring options for the first time, our business purpose HELOC is a look regardless of whether you own a business.
Find Your Starting Point
Zeus Commercial Capital is the main hub for an entire ecosystem of financing solutions. Rather than forcing every client into one product, we built a network broad enough to match the right capital to the right business:
Working capital and SBA loans for businesses that need funding to operate, expand, or bridge a gap.
Merchant cash advances and MCA debt restructuring for businesses managing cash flow pressure or existing advance debt.
DSCR loans for real estate investors who want financing based on property income, not personal income
Fix and flip loans for investors renovating and reselling residential property.
Business purpose HELOCs for homeowners and investors who want to access home equity without selling assets.
Business lines of credit for ongoing access to working capital.
Invoice factoring for B2B companies waiting on slow-paying clients.
Crypto-backed loans for Bitcoin and Ethereum holders who want liquidity without selling.
Commercial real estate financing for owner-occupied and investment commercial property.
Debt restructuring for business owners carrying expensive, unsustainable debt.
Not sure which one fits? Most people who land on this page are not sure either, and that is completely normal. If you are a business owner looking for breathing room, working capital, or our debt restructuring program is usually the right place to start.
If you are a real estate investor, DSCR or fix-and-flip financing is the more common fit. If you are a homeowner exploring options for the first time, our business purpose HELOC is worth a look regardless of whether you own a business. A short conversation with our team will narrow this down in minutes.
We have actually been on the other side of the desk. Thomas Moore personally uses the same DSCR and fix-and-flip loan programs offered through Zeus. When our team talks through a deal, it is not theoretical.
Our network is built for approval, not rejection. With more than 15,000 funding partners, we are rarely stuck with a single underwriting box to fit a client into.
“A short conversation with our team will narrow this down in minutes.”
We tell clients what they actually need, not just what we are selling. A client looking for a line of credit might be far better served by a business purpose HELOC if they own property and have decent credit — we make that call honestly, even if it means a smaller commission for us.
Speed matters, and we build our process around it. Many of our programs, including our HELOC product, are fully digitized, with no appraisal in many cases, and funding in as little as five to seven days.
What This Means For You
15,000+
Funding partners — rarely one underwriting box to fit into
5–7
Days to fund on many fully digitized programs
$0
Appraisal required, in many cases
602
We recently helped a client with a 602 credit score secure a $29,000 business purpose HELOC. A proof that this program is not reserved for borrowers with flawless credit, though approval and amount always depend on the individual's full financial picture.
70–75%
We have helped business owners carrying six figures a month in merchant cash advance payments restructure down to a fraction of that cost, with qualifying cases seeing monthly obligations reduced by nearly 70% to 75%, depending on the specific debt load and creditor terms involved.
100%
We have also helped experienced real estate investors close on fix-and-flip deals with up to 100% of the purchase price and up to 100% of renovation costs covered, when the lender and deal structure support it, allowing them to take on opportunities they could not have funded out of pocket. These are not hypothetical case studies. This is the kind of outcome that, while not guaranteed for every client, reflects the daily work of Zeus Commercial Capital.
Curious what this could look like for your business? Apply online or schedule a quick call, and our team will walk through what you might qualify for based on your specific situation.
The outcomes our clients see depend on their starting point and their goals, but the pattern tends to look similar across programs:
Business owners who restructure expensive debt or access more affordable working capital typically see immediate relief in their monthly cash position, freeing up funds for payroll, inventory, or growth rather than debt service.
Real estate investors who use DSCR or fix-and-flip financing are able to take on deals that would otherwise sit out of reach, whether because a bank would not finance the property's condition or because conventional lending would have capped their borrowing based on personal income alone.
Many clients, particularly homeowners exploring our HELOC product or investors considering crypto-backed lending, come to us not realizing this type of financing was available to them at all.
Many of our clients return for a second or third program as their business or portfolio grows, because the first experience built trust rather than regret.
Because our network spans so many lending partners and program types, we can support business owners across a wide range of industries, including:
Practices and providers seeking equipment financing, working capital, or expansion funding.
Contractors needing equipment financing, working capital, or invoice factoring to manage project cash flow.
Store owners seeking inventory financing, working capital, or commercial property loans.
Restaurants, hotels, and service businesses navigating seasonal cash flow swings.
Landlords, flippers, and portfolio investors using DSCR, fix-and-flip, and HELOC financing.
Firms seeking lines of credit or working capital to support growth and staffing.
No matter what industry your business operates in, the underlying question we ask is the same: what does this business actually need to grow, and which of our 15,000+ funding partners is best positioned to provide it?
We could tell you Zeus Commercial Capital is built on trust, but it carries more weight coming from the people who have actually gone through the process with us.
If you were ever to conduct business where everything went correctly, this is the man that you need to take care of you. Everything went perfectly.
Jay P.
Google review
Thomas is a great guy. He worked really hard for me and made my whole experience a good one. I would gladly recommend him to anyone. He's the best in my opinion.
Troy C.
Google review
Great, great guy! Explores all options and helps you along the way. One call away, always unlike others.
Solo J.
Google review
These reviews reflect the same approach our team brings to every client relationship: explore every option, work the deal hard, and stay reachable throughout the process, not just at the start.
A Network Built On Trust
Word of mouth remains our biggest source of new clients. The majority of people who work with Zeus go on to refer someone else. A business partner, a fellow investor, or a friend who is stuck with a lender that is not getting the deal done. That kind of repeat referral does not happen by accident. It happens because we treat every client's capital needs the way we would want our own treated.
Whether you are a business owner who needs working capital to get through a slow season, a real estate investor looking for your next acquisition loan, or a homeowner who wants to put idle equity to work, our team can walk you through the options in a single conversation. Apply online or schedule a call with our team to find the right financing fit for your situation.
We work with businesses across nearly every industry, from retail and service businesses to trucking, manufacturing, and real estate investment companies. Our underwriting is flexible because we are not limited to one lender or one type of loan product.
It depends on the program. Some products, like merchant cash advances and invoice factoring, focus more on business revenue and stability than personal credit. Others, like SBA loans or traditional lines of credit, weigh credit more heavily. Our team will help match you to the program that fits your current credit profile.
Timelines vary by product. Some of our digitized programs, like our business purpose HELOC, can fund in five to seven days. Other programs, such as SBA loans, may take longer due to government processing requirements.
We work through an extensive network of more than 15,000 funding partners, which allows us to match clients to the lender and program best suited to their specific situation rather than forcing every client into a single lending box.
Our founder has actually sat on the other side of the table — building businesses and using these same loan programs himself. That hands-on experience, combined with an honest approach to recommending the right product rather than the most profitable one for us, is what sets Zeus apart.
Both. While many of our programs are designed for business owners, products like our business purpose HELOC are available to any homeowner with sufficient equity, regardless of whether they own a business.
That is exactly what our team is for. Most clients come to us unsure which product fits best, and our job is to ask the right questions about your goals, your assets, and your timeline to point you in the right direction.
