Zippi FAQs | Get Answers to Your Business Funding Questions

What are the basic requirements to qualify for Zippi funding?

To qualify, your business must meet the following criteria: be in operation for at least six months, generate a minimum of $10,000 in monthly revenue, be based in the U.S., and operate with a U.S. business bank account.

How long does the application process take?

The online application takes only a few minutes. Once submitted, you can receive an approval decision and funding within hours, ensuring you get the financial support you need quickly.

Do I need perfect credit to apply?

No, Zippi evaluates multiple factors, including your business’s revenue and cash flow, rather than relying solely on personal credit scores. Our goal is to provide funding solutions tailored to business owners, even those with less-than-perfect credit.

Do you run personal credit checks on applicants?

Yes, we conduct soft credit checks that do not impact your credit score. These checks allow us to assess your eligibility while ensuring your credit profile remains unaffected.

Are there any industries you don’t work with?

We fund a wide range of industries, but there may be a few restricted sectors (e.g., certain adult entertainment or gambling-related businesses). Feel free to contact us if you’re unsure whether you qualify.

What documents are required for approval?

To process your application, we require:

- 3 to 4 months of your most recent business bank statements, or a secure read-only connection to your business account via Plaid.
- A valid government-issued ID.
- Proof of business ownership.

Can I apply if I already have an existing loan or MCA?

Yes, businesses with existing loans or MCAs may still qualify for additional funding, depending on their financial situation. We take a holistic approach to assessing eligibility, ensuring you can access the support you need.

How quickly can I receive funding from Zippi?

Once your application is approved and contracts are signed, funds are typically deposited into your business bank account within hours. We prioritize fast access to funding so you can seize opportunities without delays.

How much funding can my business qualify for?

Zippi provides funding ranging from $5,000 to $500,000, based on your business’s revenue, and cash flow. Our goal is to offer financing solutions that align with your business needs and growth potential.

What are the costs associated with funding from Zippi?

Instead of traditional interest rates, Zippi funding offers a fixed repayment amount, structured into fixed daily or weekly payments. This provides clear, upfront costs so you can plan your finances with confidence.

Do I need collateral to receive funding?

No, Zippi’s funding is unsecured, meaning you do not need to provide physical collateral. Our approval process is based on your business’s operations rather than tangible assets.

What can I use Zippi business funding for?

Zippi funding is designed to support various business needs, including payroll, equipment purchases, marketing initiatives, expansion efforts, inventory restocking, and more.

How do I repay my funding from Zippi?

Repayments are structured based on a fixed dollar amount or a percentage of your daily or weekly sales, depending on your funding agreement. Payments are automatically deducted from your business account to ensure a smooth and hassle-free process.

Are there any penalties for early repayment?

No, Zippi does not charge prepayment penalties. If you wish to pay off your balance early, you can do so without incurring additional fees. Our team is always available to provide a pay-off statement at any time, allowing you to manage your financial commitments effectively.

What if I’m unable to make a payment?

If you anticipate any difficulties in making a payment, it is crucial to contact our support team immediately. We understand that businesses face challenges, and we are committed to working with you to explore solutions.

Is there a fixed repayment schedule?

Yes, every Zippi funding agreement comes with a clear repayment schedule that outlines the payment amounts, frequency, and any associated fees. You can request a copy of your repayment schedule at any time for complete visibility and financial planning.

Is my personal and business information secure with Zippi?

Absolutely. Zippi takes data security and privacy seriously. We implement industry-leading encryption, secure servers, and stringent access controls to safeguard your sensitive information. Your data is never shared with third parties without your explicit consent, and we adhere to strict compliance standards to protect your business and personal information.

Will applying for business funding with Zippi affect my credit score?

No, applying for funding with Zippi will not impact your credit score. Our application process involves a soft credit inquiry, which allows us to assess your eligibility without impacting your credit score.

Does Zippi share my information with third parties?

No, Zippi does not sell or share your personal or business data with third parties for marketing purposes. Your information is strictly used for evaluating your eligibility and servicing your funding. We comply with all data protection laws and prioritize transparency and security in how we handle your information.

Can I update or delete my personal information?

Yes, you have the right to update or request the deletion of your personal information. You can contact our support team for any changes, and we will process your request in accordance with applicable legal and regulatory requirements. We strive to make the process seamless while ensuring compliance with industry regulations.

Who is Zippi?

Zippi is a trusted business funding provider, dedicated to helping small and mid-sized businesses across the U.S. access fast, flexible financial solutions tailored to their needs. As part of Atipana Capital LLC group, Zippi customers benefit from our long history and experience in providing business funding to thousands of happy customers. We created Zippi to enable even faster funding for businesses through a seamless online journey, with our incredible success team on hand to support when called upon.

How long has Zippi been in business?

We have been serving business owners for over five years, providing tens of millions of dollars in tailored funding solutions that help business owners and entrepreneurs thrive and grow.

What industries does Zippi serve?

Zippi works with a diverse range of industries, including retail, restaurants, healthcare, auto repair, salons, e-commerce, and more. Our funding solutions are designed to be adaptable to various business models and needs.

How is Zippi different from traditional lenders?

Unlike traditional banks, Zippi offers quick approvals, easy to understand repayment terms, and funding decisions based on the overall health of your business rather than just your credit score. We prioritize accessibility and speed, ensuring business owners can secure funding without unnecessary hurdles or delays.

How can I contact Zippi?

You can reach our dedicated support team via phone, email, or through our website. We are available Monday through Friday from 9am to 5pm EST to assist with any questions or concerns.

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Frequently Asked Questions