— Working capital financing
Working capital when your business needs it — without the runaround.
Funding built around how your business actually operates. Real specialists, a straightforward path, and a decision process designed to move.
- Since 2013
- Secure, encrypted application
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
Technology that makes funding faster. People who make it personal.
You get the speed of a modern process and one specialist who owns your file from first conversation to funding — someone who knows your business and your situation, not a queue of handoffs. You’re never passed from person to person explaining your story over again. Not an algorithm deciding your business’s future — a person who understands it.
01 — The basics
What working capital financing covers
Working capital financing gives your business access to funds for the day-to-day: payroll, inventory, supplier payments, and the ordinary gaps between money going out and revenue coming in. It’s designed to keep operations steady — short-term needs, not long-term assets.
Definition
Working capital financing is short-term funding businesses use to cover operating costs — payroll, rent, inventory, and timing gaps in cash flow — rather than long-term investments. Zip Capital Group has provided working capital financing to businesses since 2013.
Covering payroll and operating costs through a slow stretch
Purchasing inventory ahead of a busy season
Bridging the gap between invoicing and payment
Taking on a large order that requires upfront outlay 02
02 — Who we serve
Who working capital financing is for
Working capital financing through Zip is built for established, operating businesses. It’s a fit when you have a genuine working-capital or cash-flow need — covering operations, not funding a long-term investment.
What we look for
Typical minimum: $10K+ in monthly business deposits
This is a typical starting point for fit — a way to understand the shape of your business, not a credit determination and not an automatic qualification. Every business is reviewed individually.
A business bank account
Where your revenue is deposited.
A legitimate working-capital or cash-flow need
Funding that keeps operations steady, rather than a long-term investment.
If your business isn’t there yet, we’d still like to know you — we’ll keep your information and reach out with a path as you grow.
Funding amounts: $10K–$1M
This is our available range. The actual amount a business qualifies for depends on the business and its eligibility — $1M is the top of the range, not a typical amount.
03 — Compare
Where working capital fits
Different funding routes suit different situations. Here’s where working capital financing fits — and where a bank or SBA loan may be the better choice.
Working capital through Zip
Wins primarily on speed, flexibility, and simpler documentation. Built to move faster than a traditional bank process, with a specialist who reviews your business on how it actually performs.
A fit when you need a straightforward path and don’t fit — or can’t wait on — a bank’s stricter criteria.
Traditional bank loan
May offer strong terms, including lower rates, for businesses that qualify. The trade-off is a stricter, slower path: strong credit, years in business, collateral, and extensive paperwork, with a longer decision process.
A fit if you qualify and can wait.
SBA financing
Backed by the Small Business Administration and can offer competitive terms, but issued through participating lenders with substantial documentation and a longer timeline.
A genuine advantage for businesses that qualify and can wait through the process. SBA Financing →
04 — How it works
How it works
01
See if you qualify
A short set of questions about your business — no impact to move forward.
02
Talk to a specialist
A real person reviews your situation and walks you through options that fit.
03
Get funded
Once approved, funds are made available to put to work — typically faster than traditional financing.
05 — Why Zip
Why businesses choose Zip
One specialist, not a call center
One person owns your file from start to funding and knows your business — no being passed around, no re-explaining your story.
A process built to move
Technology handles the friction so decisions don’t stall.
Since 2013
Thousands of businesses funded, and a track record you can check.
Straightforward from the start
Clear criteria, clear path, no surprises.
06 — Customer story
One business, one specialist who knew the file
What it looks like when one person owns your file from the first conversation through funding — someone who understands your situation, not a queue of handoffs.
My specialist picked up every time, walked me through the whole structure, and we had the inventory in before the season started.
Zip Capital Group customer
Story pending customer approval
07 — Proof
What owners say
08 — FAQ
Working capital questions
On this page
- What is working capital financing?
- How do I qualify for working capital financing with Zip?
- How much funding can I get?
- What can I use working capital financing for?
- How does repayment work?
- How is working capital financing different from an SBA or bank loan?
- How fast can I get funded?
- Does checking if I qualify affect anything?
What is working capital financing?
Short-term funding a business uses to cover operating costs like payroll, inventory, and cash-flow timing gaps, rather than long-term investments.
How do I qualify for working capital financing with Zip?
Zip works with established, operating businesses that have a genuine working-capital need. A typical starting point is $10K+ in monthly business deposits and a business bank account, though every business is reviewed individually — meeting the minimum is a fit signal, not an automatic qualification. You start by answering a short set of questions, then a specialist reviews your situation.
How much funding can I get?
Funding amounts range from $10K to $1M. The actual amount depends on your business and eligibility — $1M is the top of the range rather than a typical amount.
What can I use working capital financing for?
Everyday operating needs — payroll, inventory, supplier payments, seasonal gaps, or taking on a large order that requires upfront outlay. It’s for short-term operating needs rather than long-term assets.
How does repayment work?
Repayment is structured around your business, and your specialist walks you through the full terms before anything is signed — so you know the schedule up front.
How is working capital financing different from an SBA or bank loan?
Bank and SBA financing can offer strong terms but typically involve stricter criteria, more documentation, and longer timelines. Working capital through Zip is built to move faster and to evaluate your business on how it actually performs.
How fast can I get funded?
Once approved, funds are typically made available faster than with traditional bank financing. Your specialist gives you a realistic timeline for your situation.
Does checking if I qualify affect anything?
Starting the qualification process is straightforward and designed to let you see your options without commitment.
See what your business qualifies for.
A few questions, a real specialist, a clear path forward.
No obligation · Your information is encrypted and never sold