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Over $50 Million lent to small and medium sized businesses

Contact with over 17,000 small and medium sized businesses

Companies in over 33 different industries have been serviced

Working Capital

Quick and simple way to get cash for your business. Funding in as little as 48 hours. Funds are dispersed directly into your account.

Equipment Loans

Small, medium or large, whatever your equipment needs are, we got the solution. We offer easy terms and the most competitive rates.

Merchant Cash Advance

Merchant Cash Advances are convenient. We have the solution to fit your needs. We offer flexible terms and the most competitive rates.

Referral Program

Know any businesses that can benefit from capital? Take advantage of our client appreciation referral program and receive extra cash.

Why Zip Capital Group?

  • Hassle Free Funding.
  • Funding a loan with us does not depend on your credit.
  • We do not require collateral.
  • We offer flexible terms that range from 3 to 24 months.
  • We provide approvals with minimal paperwork, and same-day funding.

A Simple Three Step Application Process


“Apply Online” It takes about 45 minutes to give us your business and ownership information


Receive a decision within 48 hours. Review loan terms to determine if it works for your business.


When your loan is funded, documents are signed electronically and funds are sent to your checking account.

To apply online, you will need:

  • Business information
  • Ownership information
  • Income information
  • Taxpayer ID

Industries Served

We work with over 33 different industries

See What Our Clients Have To Say

  • "Its refreshing to find a quick, reliable and transparent financing partners these days.Game changers is an understatement guys."

    July Duso
  • "It is nice to know that you offer this service in our area. It helps to know people care about assisting you through the hard times."

    John Martin
  • "The staff found your presentation really informative and worthwhile. I’m certain you will remain our preferred Zip Capital Group and equipment financing provider for many years to come."

    Jecson Smith
  • "We won’t need to use the Zip Capital Group facility every time, but it is good to know that it is there if we need it again. I would seriously recommend any business that needs to cash to talk to Zip Capital Group without delay."

  • "The car spares business is growing fast and with Zip Capital Group’s help I am in an excellent position to exploit the market and create a real niche for my business. I would strongly recommend everyone whose growth is constrained by cash to talk to Zip Capital Group."

  • "I didn't even know this type of loan was even an option. My bank turned me down and my local credit union would not help either. You guys are a life saver."

    Dennis Jones
  • "I would like to tell you and all the team at Zip Capital Group how wonderful it has been to deal with such brilliant people since we stumbled across you in July of last year. All of you are easy to speak to and most important you do exactly what you say you are going to do, which is so rare in this day and age. It is fair to say we would never have been able to achieve what we did last year without the help that you all provided in such a friendly and professional manner."

  • "The process was easy, fast, and really simple. You guys provided excellent customer service. I would definitely recommend this company to any business that is in need of money."

    Kimberly Sams
  • "I Can't believe how easy I got approved. I have bad credit so I thought for sure I would be turned down Thanks Zip Capital for coming through."

    Bryan Woodfork
  • "I just want to thank you personally for the fantastic service you have provided over the previous months, it really has been exceptional."


Some Companies we have Proudly Served


Get Capital For Your Business

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Zip Capital Group Frequently Asked Questions

How much does a working capital loan cost?

There are traditional bank loans and working capital loans. With a traditional bank loan, the bank will look at your credit history, collateral, have an extensive application process, and most will take a long time to make a credit decision. It has been our experience in the business that it can be weeks and even months in some cases.

A working capital loan is a non-traditional, short-term loan. As a result, there is not an amortizations schedule, or annual percentage rate that is applicable.

What we look when looking at your application is the total payback, or out-of-pocket money for your loan and compare that to how much revenue you are going to generate with our capital to see if it makes sense for your business. Additionally, there are several tax breaks that are applicable that can help reduce the overall cost of the loan

Why is so much of the loan application process over the telephone?

The telephone is just one way of applying for a Zip Capital Group working capital loan. You can apply online or download an application to complete and fax in when you are done. After you have completed your loan application, fax it to (949) 608-9503 or email to

Once we have your loan application and all of the supporting documentation, we will review everything and have a decision for you in 24 hours. Once the terms are agreed upon, your working capital can be wired to your bank account within 24 to 48 hours.

What are the benefits of a daily repayment schedule?

Many people are used to monthly payment schedules. Many of our clients initially preferred a monthly payment instead of a daily payment schedule. What many of them found was that by paying incrementally throughout the month, they would end up with a longer use of funds. Additionally, many of them didn’t like the pressure that came with preparing for a payment every month. They liked that the payment took place when they had the funds.

The daily payment is really the same as the monthly payment. The only difference is that there are 21 smaller payments instead of one larger monthly payment. Additionally, since our loans are unsecured with no collateral required, it is a very simple way to pay back the loan without having a large monthly payment.

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