— Questions & answers

Frequently Asked Questions

Straight answers about how funding through Zip works, what it takes to qualify, and who we are. For questions specific to your industry or a particular funding option, you’ll find more detail on those pages.

$400M+

Funded

6,700+

Businesses

Since 2013

Serving business owners

01 — Getting started

How does working with Zip Capital Group work?

Working with Zip is a three-step path: a short qualification check, a conversation with one specialist who reviews your situation, and capital made available once your funding is arranged. You start by answering a few questions about your business — no obligation to move forward. From there a single specialist takes your file, learns how your business actually runs, and helps you weigh the funding solutions that fit it.

What can I use the funding for?

Funding accessed through Zip is used for operating needs — inventory, payroll, equipment, expansion, bridging receivables, and seasonal gaps. In practice that means stocking ahead of a busy stretch, covering crews and staff between billing cycles, replacing equipment that has reached the end of its run, or carrying the business through the wait on money already earned.

What it looks like in practice varies by industry, and each industry page covers the specifics.

How do I apply?

Start with “See if You Qualify” — a short set of questions about your business — or speak with a specialist at 1 (800) 795-3919. There is no obligation to move forward at any point. Once your answers are in, a specialist reviews them with you before anything is decided.

02 — Qualifying

What does my business need to qualify?

Zip helps established businesses that have consistent revenue and a business bank account where that revenue is deposited. Typical minimum: $10K+ in monthly business deposits.

That figure is a general starting point for fit rather than an automatic qualification — meeting it does not guarantee qualification, and 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, including deposit history, revenue patterns and how your receivables move, rather than reducing your file to a single score.

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 is set with your specialist rather than quoted as a single number.

03 — Cost & terms

What does it cost to see if I qualify?

Nothing — checking costs nothing and carries no obligation to move forward. You answer a short set of questions, a specialist reviews them with you, and you decide whether to go further once you understand the options.

How is funding cost determined?

Cost depends on your business, the funding option you choose, and the specifics of your situation. Because those vary, it is set during your conversation with a specialist rather than quoted as a one-size figure. Your specialist walks you through the full cost and terms clearly before anything is agreed — so you know what you are looking at up front.

04 — About Zip

Who is Zip Capital Group?

Zip Capital Group is a business funding company that helps established small and mid-sized businesses access working capital. We are based in Irvine, California, and we work with owners across construction, the trades, healthcare, hospitality, transportation and more — pairing each business with one specialist who stays with the file from first conversation to funding.

How long has Zip been funding businesses?

Zip has been helping businesses access funding since 2013. In that time we have supported $400M+ in funding across 6,700+ businesses.

Is my information secure?

Yes — your information is encrypted and never sold. It is used to review your business and match it to funding options, and nothing beyond that.

How do I reach a real person?

Call 1 (800) 795-3919 or email info@zcgdirect.com and you will reach a person, not a queue. Once your file is open, you have one specialist who knows your business — so you are not re-explaining your situation to whoever picks up.