Nile Funding is a direct lender specializing in business financing and working capital solutions. No lengthy approvals — straightforward capital when you need it.
Nile Funding, a brand of Zou Solutions LLC, is a New York-based business financing company. We work directly with business owners — no brokers, no middlemen — to provide fast access to working capital.
We review applications quickly and give you a clear answer without weeks of waiting. Most approvals are completed within one business day.
Our financing is structured around your business's revenue, giving you access to working capital that fits how you actually operate.
As a direct lender, Nile Funding provides capital directly. You work with us — not a marketplace of investors or brokers.
Headquartered in New York, NY, we serve businesses across all industries throughout the United States.
We offer multiple funding products designed to match how your business earns. Decisions based on business performance, not just credit scores.
Access capital based on your business's future revenue. Flexible daily or weekly remittance aligned to your cash flow.
Fast approvals. Funding in as little as 24 hours.
Draw funds as needed up to your approved limit. Pay only for what you use, with the flexibility to re-draw as you repay.
Revolving access to working capital.
Finance equipment purchases, inventory, hiring, or expansion with structured repayment terms that work for your business.
Capital for the next stage of growth.
Getting working capital through Nile Funding is simple and transparent. Here's what to expect from start to finish.
Contact us by phone, email, or text message with basic information about your business and funding needs.
We review your application and revenue history. Decisions are based on business performance — you'll receive an answer quickly.
Once you accept the terms and complete our agreement, funds are sent directly to your business account — often within 24 hours.
Repayments are structured to align with your business cash flow through flexible daily or weekly remittance options.
We make the funding process fast, transparent, and built around how your business actually works.
Decisions within hours, not weeks. Once approved, funds can be in your account within 24 hours. We move at the speed your business needs.
We look beyond credit scores. Our underwriting focuses on your business's actual performance and revenue, opening doors that traditional lenders keep closed.
Daily or weekly repayment options aligned to your cash flow. No rigid monthly payments that don't match how your business earns.
If you provide your mobile number to Nile Funding (Zou Solutions LLC), please review the following disclosure regarding how we use SMS communications.
By providing your mobile phone number to Nile Funding (a brand of Zou Solutions LLC) — via our website, application form, phone call, email, text message, or any other communication channel — and by expressly agreeing to receive text messages, you consent to receive SMS and MMS messages from Zou Solutions LLC d/b/a Nile Funding at the mobile number you provide. Your consent is not a condition of purchasing any goods or services, obtaining funding, or any other transaction.
If you opt in, you may receive SMS and MMS messages related to:
Message frequency varies based on your account activity and interactions with Nile Funding. You may receive recurring messages. Estimated frequency: up to 5 messages per month.
Message and data rates may apply. Standard carrier rates for text messages and data usage apply based on your wireless plan. Contact your carrier for pricing details.
You may opt out of receiving text messages from Nile Funding at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message confirming your removal from our messaging program, and no further messages will be sent unless you re-opt-in. You may also opt out by contacting us at sehaulrs@protonmail.com or by calling 347-557-7408.
For help or support with our messaging program, reply HELP to any message, or contact us at sehaulrs@protonmail.com or 347-557-7408.
We support all major U.S. wireless carriers including AT&T, T-Mobile, Verizon, Sprint, and others. Carrier support is not guaranteed and may vary.
Mobile opt-in data and consent information will not be sold, shared, or transferred to any third party for marketing or promotional purposes. This includes your mobile phone number, the fact that you opted in, and any data you provide in connection with the SMS program.
For full details, please review our Privacy Policy and Terms & Conditions.
Ready to explore funding options for your business? Reach out directly — we respond promptly.
New York, NY
Mon–Fri, 9am–6pm ET
Effective Date: January 1, 2026 | Last Updated: August 2026
Zou Solutions LLC, doing business as Nile Funding ("Company," "we," "us," or "our"), is a limited liability company organized in the State of New York. We are committed to protecting the privacy and security of personal information provided to us by applicants, customers, website visitors, and business contacts.
This Privacy Policy describes how we collect, use, disclose, retain, and safeguard your information. It applies to information collected through our website (nilefunding.com), mobile web pages, application forms, email, telephone, SMS / text messages, and any other communication channels.
This policy is designed in compliance with applicable U.S. laws and regulations, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and the Fair Credit Reporting Act (FCRA).
By interacting with Nile Funding — including visiting our website, submitting an application, providing your contact information, or communicating with us — you acknowledge that you have read and understand this Privacy Policy.
We may collect the following categories of information:
We collect information through the following means:
We use the information we collect for the following purposes:
If you provide your mobile phone number and consent to receive SMS / text messages from Nile Funding, we may store the following information:
We use this information to communicate with you about your application status, funding approvals, document requests, repayment reminders, and — with your separate consent — promotional offers from Nile Funding.
Mobile opt-in data and consent information will not be sold, shared, or transferred to any third party for marketing or promotional purposes. This prohibition applies to all data collected through our SMS programs, including your mobile number, the fact of your consent, timestamps, and any information you submit via text message.
SMS consent records are retained for a minimum of five (5) years from the date of opt-in or opt-out, in compliance with TCPA and CTIA guidelines.
You may opt out of SMS communications at any time by replying STOP to any message, or by contacting us at sehaulrs@protonmail.com or 347-557-7408.
We may share your information in the following limited circumstances:
Third-party vendors who assist with our operations, including credit bureaus, identity verification services, SMS messaging platforms, payment processors, analytics providers, hosting providers, and legal/compliance consultants. These parties are contractually required to use your information only for the services they provide to us and to maintain its confidentiality.
When required by law, regulation, court order, subpoena, or government authority. We may also share information when we believe disclosure is necessary to detect, prevent, or address fraud, security issues, or violations of our terms.
In connection with a merger, acquisition, reorganization, dissolution, or sale of all or substantially all of our assets. In such an event, your information may be transferred to the acquiring entity, and you will be notified.
When you have expressly authorized us to share your information with a specific third party.
Zou Solutions LLC d/b/a Nile Funding does not sell, rent, trade, or otherwise transfer your personal information — including your mobile phone number, opt-in data, or consent records — to third parties for their own marketing, advertising, or promotional purposes.
We may share anonymized, aggregated, or de-identified data that cannot reasonably be used to identify any individual for analytics, industry benchmarking, or reporting purposes.
We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Our specific retention periods include:
When information is no longer needed, we securely dispose of or de-identify it.
We implement reasonable administrative, technical, and physical safeguards to protect your information, including:
Despite these measures, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security, and you provide information to us at your own risk. In the event of a data breach, we will notify affected individuals and applicable authorities in accordance with applicable law.
Our website may use the following types of cookies and tracking technologies:
We may also use web beacons, pixel tags, and clear GIFs in emails to track open rates and engagement. You can manage cookie preferences through your browser settings.
Our website or communications may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or security of those sites. We encourage you to review the privacy policies of any third-party site you visit.
Our services are intended for individuals who are at least 18 years of age. We do not knowingly collect, solicit, or maintain personal information from anyone under the age of 18. If we learn that we have collected information from a minor, we will promptly delete it.
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
To exercise your rights, contact us at sehaulrs@protonmail.com or 347-557-7408. We will respond to verified requests within forty-five (45) calendar days, with an option to extend by an additional forty-five (45) days if reasonably necessary.
Under California Civil Code § 1798.83 ("Shine the Light"), California residents may request information about the disclosure of personal information to third parties for their direct marketing purposes. Zou Solutions LLC d/b/a Nile Funding does not disclose personal information to third parties for their direct marketing purposes.
If you reside in a state with applicable consumer privacy legislation, you may have additional rights, including but not limited to:
These rights may include the right to access, correct, delete, and port your personal data, as well as the right to opt out of targeted advertising, the sale of personal data, and profiling for decisions that produce legal or similarly significant effects.
To exercise any rights available to you under your state's privacy law, contact us using the information in Section 19.
Regardless of your state of residence, you may:
To exercise any of these rights, contact us at sehaulrs@protonmail.com or 347-557-7408.
Please allow up to ten (10) business days for opt-out requests to take effect. Opting out of marketing communications does not affect transactional or service-related communications about your active account or funding agreement.
Zou Solutions LLC d/b/a Nile Funding is based in the United States. If you provide information to us from outside the United States, you consent to the transfer, storage, and processing of your information in the United States, where privacy laws may differ from those of your jurisdiction.
We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. We may notify you of material changes via email, text message, or a notice on our website. Your continued use of our services after updates constitutes acceptance of the revised policy.
For questions, concerns, or requests related to this Privacy Policy or our data practices:
Zou Solutions LLC d/b/a Nile Funding
New York, NY
Email: sehaulrs@protonmail.com
Phone: 347-557-7408
Website: nilefunding.com
Effective Date: January 1, 2026 | Last Updated: August 2026
These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," "user," or "applicant") and Zou Solutions LLC, doing business as Nile Funding ("Company," "we," "us," or "our"), a limited liability company organized in the State of New York, with its principal place of business in New York, NY.
By accessing our website (nilefunding.com), submitting a funding application, providing your contact information (including your phone number or email address), communicating with us by any means, or accepting funding from us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
Zou Solutions LLC d/b/a Nile Funding is a direct lender providing business financing and working capital solutions to eligible businesses. Our funding products may include:
We are not a bank, credit union, or federally regulated financial institution. All funding is subject to underwriting review and approval at the Company's sole discretion. Inquiring about or applying for funding does not guarantee approval, pre-qualification, or an offer of financing.
To apply for funding through Nile Funding, you must:
By submitting a funding application, you represent and warrant that all information provided is true, accurate, complete, and current. You authorize Zou Solutions LLC d/b/a Nile Funding to:
Providing false, misleading, incomplete, or fraudulent information may result in immediate denial or termination of any funding agreement and may subject you to civil or criminal liability.
By providing your mobile phone number and checking the SMS consent box (or otherwise providing express written consent), you opt in to Nile Funding's SMS messaging program. As part of this program:
To opt out: Reply STOP to any message at any time. You will receive a single confirmation message and no further texts will be sent.
For help: Reply HELP to any message, or contact us at sehaulrs@protonmail.com or 347-557-7408.
Mobile opt-in data and consent information will not be sold, shared, or transferred to any third party for marketing or promotional purposes.
By providing your telephone number (including any mobile number) to Nile Funding, you expressly consent to receive communications from us and our service providers, including but not limited to:
This consent applies to the phone number(s) you provide to us, including any number you may later update or provide. You understand that:
By using our services, you consent to receive electronic communications from Nile Funding, including emails, text messages, and notices posted on our website. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
To receive electronic communications, you must have access to a device with an internet connection, a web browser that supports TLS 1.2 or higher, a valid email address, and sufficient storage to retain records or a printer to print them.
All fees, rates, and terms applicable to your funding will be disclosed in a separate Financing Agreement prior to the disbursement of any funds. You will have the opportunity to review and accept or decline the terms before funding is provided.
Revenue-based financing involves the purchase of a portion of your business's future receivables and is not structured as a loan. Accordingly, such transactions may not be subject to state usury laws in most jurisdictions.
Late, missed, or insufficient remittance payments may result in additional fees, acceleration of the outstanding balance, referral to collections, and/or legal action as specified in your Financing Agreement.
All content, logos, trademarks, graphics, text, and materials on this website and in our communications are the property of Zou Solutions LLC d/b/a Nile Funding and are protected by applicable intellectual property laws. No content may be reproduced, distributed, modified, or used without our prior written consent.
You agree not to:
THIS WEBSITE AND ALL SERVICES PROVIDED BY ZOU SOLUTIONS LLC D/B/A NILE FUNDING ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS, OR THAT ANY APPLICATION WILL BE APPROVED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ZOU SOLUTIONS LLC D/B/A NILE FUNDING, ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES, THIS WEBSITE, OR ANY TRANSACTION WITH US, REGARDLESS OF THE THEORY OF LIABILITY.
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO ZOU SOLUTIONS LLC D/B/A NILE FUNDING DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
You agree to indemnify, defend, and hold harmless Zou Solutions LLC d/b/a Nile Funding, its members, managers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or related to: (a) your use of our services or website; (b) your breach of these Terms; (c) any information you provide that is false, misleading, or fraudulent; (d) your infringement of any intellectual property or other rights of any third party; or (e) your violation of any applicable law, regulation, or rule.
Informal Resolution: Before initiating any formal legal proceeding, you agree to first contact Nile Funding and attempt to resolve the dispute informally for a period of at least thirty (30) days.
Binding Arbitration: If the dispute cannot be resolved informally, any controversy, claim, or dispute arising out of or relating to these Terms or your relationship with Nile Funding shall be resolved exclusively through binding arbitration administered by JAMS under its Streamlined Arbitration Rules & Procedures. The arbitration shall take place in New York County, New York, and shall be conducted by a single arbitrator. The arbitrator's decision shall be final, binding, and enforceable in any court of competent jurisdiction.
CLASS ACTION WAIVER: YOU AND ZOU SOLUTIONS LLC D/B/A NILE FUNDING AGREE THAT ALL CLAIMS AND DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING.
Exception: Either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to prevent irreparable harm, without first engaging in the arbitration process described above.
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. To the extent that litigation is permitted under these Terms (including for injunctive relief), you consent to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York.
Our website or communications may contain links to third-party websites, services, or resources. Nile Funding is not responsible for the content, accuracy, privacy practices, or availability of any third-party sites. Third-party service providers retained by us may access your information only to the extent necessary to perform the services they are contracted to provide and are bound by confidentiality obligations.
Our Privacy Policy is incorporated into and forms a part of these Terms. By agreeing to these Terms, you also agree to the collection, use, and disclosure of your information as described in the Privacy Policy.
Zou Solutions LLC d/b/a Nile Funding reserves the right to modify, amend, or update these Terms at any time without prior notice. The "Last Updated" date at the top of this page indicates the most recent revision. We may notify you of material changes via email, text message, or a notice on our website. Your continued use of our services after any modification constitutes your acceptance of the updated Terms.
Nile Funding may terminate or suspend your access to our website and services at any time, with or without cause, with or without notice, and without liability to you. Upon termination, your obligations under these Terms that are intended to survive (including indemnification, limitation of liability, arbitration, and intellectual property provisions) shall remain in full force and effect.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the intent of the original provision.
These Terms, together with the Privacy Policy and any applicable Financing Agreement, constitute the entire agreement between you and Zou Solutions LLC d/b/a Nile Funding regarding the subject matter herein and supersede all prior or contemporaneous negotiations, discussions, or agreements.
Questions, concerns, or notices regarding these Terms should be directed to:
Zou Solutions LLC d/b/a Nile Funding
New York, NY
Email: sehaulrs@protonmail.com
Phone: 347-557-7408
Website: nilefunding.com