RESTAURANTS, CAFES & BAR OWNERS WHO NEED FAST FUNDING
Unlock Your Next 6 Months of Restaurant Sales TODAY Access $5K to $500K In Funds In 24 Hours
Get $5k to $500k in funds transferred within 24 hours
Designed for Restaurants, Cafes & Bars
See if you qualify in just 3 minutes
Takes 3 minutes • No impact on credit score • Free to apply
Fast and Simple.
Andrea Smith
Jan, 2025
Super Quick Process.
Ray Connor
Dec, 2024
By far the best customer service.
Dayna Merritt
May, 2024
I got funded in less than a day.
Henry Martinez
Dec, 2024
Need Funding Now?
Get Up To $500K Of Your Future Sales In 24 Hours
Instead of waiting for customers to pay you over the next 6 months, we pay you that money upfront. Then we collect it back automatically as your sales come in. No perfect credit required. No endless paperwork. No weeks of waiting. Just fast, flexible funding designed specifically for restaurant cash flow patterns.
Apply In 3 Minutes. Funded In 24 Hours.
Unlike banks that treat restaurants like risky businesses, Zippi gets you funded in under 24 hours. Simply complete our restaurant-specific application in 3 minutes, get your decision within hours from our specialist team, and have up to $500K in your account by tomorrow. Its restaurant funding at hyperspeed.
Revenue-Based Repayment That Matches Your Cash Flow
We understand restaurant & hospitality revenue isn't the same every day. That's why our payments automatically adjust based on your daily sales volume. When you have a great day, we do well together. When sales are slow, your payments are automatically lower. No rigid monthly payments that ignore your reality.
Direct Lender With No Broker Fees Or Impact To Your Credit Score
Say goodbye to expensive broker middlemen and credit score anxiety. We offer you the funding directly, which means better rates because you're not paying hidden broker commissions (up to 12% savings). Plus, our business funding structure protects your personal credit and won't show up on personal credit reports or affect your FICO score.
Takes 3 minutes • No impact on credit score • Free to apply
"Instead of waiting for customers to pay you over the next 6 months, we pay you that money upfront. Then we collect it back automatically as your sales come in."
6 Reasons Why Hospitality Businesses Choose Zippi For Funding
1
Lightning-Fast Funding When You Need It Most
Get capital in 24 hours, not 6 weeks like banks. When your walk-in cooler breaks during weekend rush or prime real estate becomes available next door, speed isn't luxury—it's survival.
2
Built BY Restaurant People, FOR Restaurant People
Finally, funders who understand daily cash flow, seasonal patterns, and equipment needs. No more explaining why restaurants are different—we already know your business inside and out.
3
Payments That Actually Match Your Revenue
We offer flexible payment terms. We offer a fixed, predictable repayment schedule, or a variable repayment schedule. This flexibility helps you to run your business, on your terms.
4
Crystal-Clear Terms With No Hidden Surprises
Know exactly what you'll pay back from day one. No prepayment penalties, no surprise fees, no changing terms. Pay off early when your business booms without penalty.
5
Access $5k - $500k Capital
Whether you need $5K for emergency equipment repair or $500K for expansion, we provide the exact amount your restaurant needs. Scale your funding to match your ambitions, not arbitrary lending limits.
6
3-Minute Application
Complete our streamlined restaurant application in just 3 minutes—no endless financial statements. We focus on your business performance and get you funded fast.
Takes 3 minutes • No impact on credit score • Free to apply
Do I Qualify For Funding?
At Zippi, we’re here to make getting business funding easy.
If you pass these 3 quick assessments, we can get you what you need
You process $20k+ in sales every month
You’ve been in business for 12 months or longer
You have a US business checking account
Takes 3 minutes • No impact on credit score • Free to apply
How It Works
1
Apply In 3 Minutes
Complete our streamlined application designed specifically for restaurant businesses. No endless paperwork - just the basics we need to understand your business.
2
Get Your Decision In Hours
Our specialist funding team reviews your application and delivers a real funding decision with transparent terms within hours, not weeks like traditional banks.
3
Get Funded & Keep Growing
Funds transfer directly to your business account within 24 hours so you can handle emergencies, seize opportunities, and focus on what you do best - running your restaurant.
Takes 3 minutes • No impact on credit score • Free to apply
Apply For Restaurant Growth Capital Today And Access $5K - $500K By Tomorrow
(No Perfect Credit Score Or Extensive Financial Paperwork Needed)
3-minute application, funding decision in hours
Not weeks like banks that make you jump through hoops, just to deny you
Payments adjust with your sales volume
Slow Tuesday? Pay less. Busy Friday night? Pay more. Finally, someone who gets the hospitality business
Bad personal credit? We don't care
We fund based on your restaurant's performance, not your personal credit score
$5K to $500K available instantly
Whether it's a broken fryer emergency or expansion opportunity, we've got you covered
Built specifically for restaurant owners
No explaining your business to clueless bankers who've never worked a dinner rush
Takes 3 minutes • No impact on credit score • Free to apply
What Restaurants, Cafes & Bars Are Saying About Funding With Zippi
"Zippi truly understands the challenges of small businesses. They made the funding process so seamless and fast, without the usual red tape. It felt like working with a trusted partner who genuinely cared about my success and growth."
Rebecca L. Bakery Owner
"Talking to Zippi's team made all the difference. They explained my options clearly and helped me choose what was best for my business. Personalized service like this is rare—thank you, Zippi."
Michael T. Restaurant Owner
"Zippi made our MCA funding process seamless and stress-free. Their team was transparent, and quick to deliver the capital we needed to grow. Highly recommended for any business looking for flexible financing."
Sujay L. Store Owner
"Zippi delivered fast funding with fair rates. The application process was quick, and their team kept me updated every step of the way. I would recommend them to any small business looking for fast funding."
David S. Restaurant Owner
"I was recommended to Zippi by a friend after being rejected for funding for my business by my bank. The process was simple, fast and I received an offer for funding only 2 hours after my application."
Antonio H. Store Owner
"Zippi helped us cover a cash flow gap during our slow season. Their team understood the restaurant business, didn’t waste my time, and delivered exactly what we needed. I wish I had found them sooner."
Jorge R. Seafood Restaurant Owner
Takes 3 minutes • No impact on credit score • Free to apply
How Zippi Compares With A Traditional Bank Loan
3-Hour Approval
No Minimum Personal Credit Requirements
Payments That Match Your Sales
Restaurant-Specialized
Access 6 Months Of Future Sales
No Personal Collateral
Traditional Bank Loans
30-60 Day Process
720+ Credit Score Required
Fixed Monthly Payments
"High-Risk" Industry Bias
Complex Interest Calculations
Personal Guarantees Required
Takes 3 minutes • No impact on credit score • Free to apply
Who Is Zippi Funding For?
The Growth-Ambitious Hospitality Entrepreneur
Ready to expand to a second location, upgrade equipment, or seize prime real estate opportunities. You need substantial growth capital that moves at the speed of your ambition.
The Emergency-Driven Restaurant Owner
When critical equipment breaks during rush hour or unexpected expenses hit, you need funding immediately—not in 6 weeks. Fast capital to keep doors open and customers served.
The Cash Flow-Anxious Business Owner
Tired of lying awake worrying about making payroll or covering supplier payments. You want financial breathing room and predictable access to working capital for peace of mind.
Takes 3 minutes • No impact on credit score • Free to apply
A Message From The Zippi Founder
My immigrant family taught me that restaurants are the heart of every community. Places where dreams come alive and families connect. After working in finance at Wall Street's biggest firms, I watched those same institutions systematically reject hardworking restaurant owners who reminded me of my own family.
That's why I created Zippi. I was tired of seeing the people who feed our neighborhoods get treated like second-class citizens by bankers who've never worked a dinner rush. You deserve fast, fair funding from a partner who actually understands your business.
Gerbian, Founder & CEO
Gerbian
Takes 3 minutes • No impact on credit score • Free to apply
Frequently Asked Questions
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 purchases, and more.
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 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.
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.
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.
Takes 3 minutes • No impact on credit score • Free to apply
Ready To Get Funded - See If You Qualify Now
Access $5k - $500k in just 24 hours
Apply in 3 minutes to see if you qualify
No credit score checks required
Built specifically for hospitality businesses
Takes 3 minutes • No impact on credit score • Free to apply
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