— How it works
How Working With Zip Works
A straightforward path from first question to funding in place — with one specialist who understands your business, not a call center.
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — The path
A clear path to the capital you need
Zip helps you evaluate the funding solutions available to your business and access the one that fits. Three steps, and a specialist alongside you at each.
See if you qualify
A short set of questions about your business. Straightforward, and no obligation to move forward.
Talk to a specialist
One person reviews your situation and helps you weigh the funding options that fit how your business actually runs — not a menu you sort through alone.
Access your funding
Once your funding is arranged, capital is made available to put to work: inventory, payroll, equipment, or the next opportunity.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — meeting the minimum does not guarantee qualification, and every business is reviewed individually.
02 — Fit
Who Zip is built for
Zip works with established businesses — real revenue, a real operating history, and a clear reason capital would put them further ahead than waiting would.
Often that’s a business growing faster than its cash cycle allows, one managing a season it knows is coming, or one holding an opportunity that won’t sit still through a long approval process. The fit question isn’t whether a business qualifies elsewhere. It’s whether the capital needs to move on the business’s timeline rather than someone else’s.
A specialist reviews every business individually, on how it actually performs.
03 — How it works
What makes working with Zip different
One specialist, start to finish
A single point of contact who learns your business and stays with your file — not a rotating queue where you re-explain your story to whoever picks up.
Funding matched to how your business runs
Options aligned to your cash-flow reality rather than a single template — seasonal, receivables-based, or project-based, depending on where your money actually moves.
Established and accountable
Funding businesses since 2013, with $400M+ funded across 6,700+ businesses, from an office in Irvine, California.
A relationship, not a transaction
Technology that makes funding faster. People who make it personal. The process moves quickly because the friction is handled behind it — the judgment stays with a person.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every industry we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
05 — FAQ
How it works: common questions
On this page
What does it cost to apply?
Nothing. Seeing if you qualify costs nothing and carries no obligation — you answer a short set of questions about your business and a specialist reviews it with you. You decide whether to go further after you understand the options.
How much funding can my business access?
Funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
What do I need to qualify?
Zip works with established businesses. A typical minimum is $10K+ in monthly business deposits, alongside a business bank account where your revenue is deposited. That’s a general starting point for fit rather than an automatic qualification — every business is reviewed individually on how it actually performs.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your business actually performs — deposit history, revenue patterns, how your receivables move — rather than reducing your file to a single score.
How long does it take?
It depends on your business and what you are funding. Rather than quote a turnaround that may not hold for your situation, your specialist walks you through a realistic timeline once they have reviewed your file — and keeps you current as things move.
One specialist. One conversation. Capital in place.
Start with a few questions about your business. From there you have one person who knows your file — and a clear view of the funding options that fit how you actually operate.
No obligation · Your information is encrypted and never sold