— Funding business owners since 2013
Smarter funding for growing businesses.
Technology that makes funding faster. People who make it personal.
An established business financing company where technology clears the busywork and a specialist you know by name owns your file from the first conversation through funding.
No obligation · No documents needed to check
As fast as 24–48 hrs
Typical time from application to funds
Established, proven, trusted.
In business since 2013
A proven track record funding growing businesses.
Terms in writing
Full terms and disclosures provided before you sign. 256-bit SSL encryption.
A proven process
Refined since 2013 to move quickly once we have your information.
01 — Working capital
Working capital funding, built around your revenue
Working capital financing is what most of the businesses we fund need, and it’s where our platform and our specialists do their best work. We look at how your business actually earns — not just a credit score — and match funding to the way revenue moves through it.
Working Capital Financing
A set amount of capital with a defined term and a predictable payment schedule, sized to what your deposits actually support. One solution that covers what most growing businesses need it for.
What business owners use working capital for.
Equipment purchases
Buy or replace machines and vehicles without draining operating cash.
Expansion
Open a second location or take on the contract you have been turning down.
Inventory
Stock ahead of a demand spike instead of waiting for the cash to clear.
Payroll
Cover your people through a slow month or a hiring push.
Marketing
Fund the campaign that fills next quarter’s pipeline.
Cash flow
Bridge the gap between finishing the work and getting paid for it.
Additional Financing Solutions
No obligation · No documents needed to check
Over 6,700 businesses funded since 2013 across a wide number of industries
02 — How it works
How we match you to the right funding
Our qualification flow is progressive by design. It asks for what we need to understand your business properly, and each stage narrows the options to the ones that genuinely fit.
01
Tell us about your business
A short qualification form covering your business, your average monthly deposits, and what you need the capital for.
02
Review your funding options
Your specialist goes through what you qualify for with you — the amount, term, payment schedule, and total cost, all in writing.
03
Get funded
Sign the agreement and receive your funds — in as little as 24 to 48 hours.
A specialist reviews your application within one business day.
No obligation · Your information is encrypted and never sold
03 — Technology, experience, service
Technology that makes funding faster. People who make it personal.
Our technology handles the slow parts — pulling your numbers together and organizing your file — so there is less for you to chase down and less waiting between steps. It speeds the work up; it does not make the call.
The decisions stay with people. You get one funding specialist for the duration — someone who learns your business, knows how capital moves through it, and will talk through the terms, the total cost, and the alternatives before you commit to anything.
Zip Capital Group was founded in 2013 by people who had been through this from the borrower’s side. That perspective still shapes how our team works with owners: you talk to the same person every time, and nothing about your file gets lost in a handoff.
Faster, with less legwork
Technology does the paperwork, not the deciding
One specialist
The same person, start to finish
A proven process
Refined since 2013.
04 — Customer reviews
What owners say after they’re funded
Read more owner stories →
06 — Video testimonials
Owners, in their own words
06 — Industries
Featured industries
Ten years of funding one industry after another means we already know how revenue behaves in yours — the seasonal swings, the deposit patterns, the equipment cycles. That’s what lets us move quickly and price fairly.
HVAC
Replacement units and equipment, seasonal swings between peak and slow months, and payroll between install jobs.
Plumbing
Trucks and tooling, emergency call volume that arrives unevenly, and materials bought ahead of payment.
Electrical Contractors
Materials for bid work, crew and licensing costs, and the stretch between milestone billing and payment.
Construction / Contractors
Progress-billing gaps, subcontractor and materials outlay, and mobilizing on a new award.
Restaurants
Kitchen equipment, build-out and refresh, inventory, and payroll through slower seasons.
These are among the industries we fund most — view all industries →
07 — FAQ
Questions owners ask us
What is the difference between See if You Qualify and the full application?
See if You Qualify is where every new visitor should start. It is a multi-stage qualification form that tells us enough about your business to match you to the right funding and put a specialist on the file. The full application is the final, signed funding agreement — most people reach it after speaking with their specialist.
How long does the eligibility check take?
It moves through several stages because the questions get more specific as we narrow your options. Most owners work through it in one sitting, and you can return to it if you need to gather a figure.
How much can I borrow?
Working capital financing runs from $10,000 to $1,000,000. Where you land depends on your revenue, time in business, and industry — your specialist will confirm the range you qualify for.
What do I need to qualify?
Generally six months in business, $15,000 in monthly revenue, and a business bank account. Deposit consistency carries more weight in our decisioning than a credit score alone.
How does Zip fund my business?
You’re assigned a dedicated specialist who oversees everything from your first eligibility check through funding. Once we have your information, our process — refined since 2013 — moves quickly, with funding often completed in as little as 24–48 hours. You’ll work with the same person the whole way, so nothing gets lost in handoffs.
What does it cost?
Pricing depends on product, term, revenue, and risk. Your specialist will give you the full cost in dollars — total repayment, term, and payment schedule — in writing before you sign anything.
Who will I be working with?
Each step of the process is manned by a specialist. As a result, you will be working with the specialist, or ‘expert’ in that given step, ensuring that you receive the best service and information when interacting with Zip Capital Group.
See what your business qualifies for.
Funding can move as fast as 24 to 48 hours. Start the eligibility check and we will match your revenue against the programs we fund. A specialist reviews it with you before anything is committed.
No obligation · Nothing is committed
Who Working Capital is built for
Businesses with $10,000+ in average monthly deposits. The qualification form asks for this first.
What if a business is below that?