Zip Loan

Zip Loan is a financial technology and business solutions company that helps merchants close more sales by making financing easier, more accessible, and more effective. Rather than offering a single financing product, Zip Loan gives businesses access to a broad menu of lending and payment solutions designed to serve customers across the credit spectrum.

Our philosophy is simple: businesses shouldn’t lose a good customer just because one lender says no.

We work with merchants in automotive repair and tires, furniture, jewelry, home improvement, HVAC, dental, medical and med spa, legal services, tax resolution, powersports, appliances, coaching, and other high-ticket service businesses.

A multi-lender approach. Traditional programs give a merchant one lender and one set of underwriting criteria. If the customer doesn’t qualify, the sale may be lost. Zip Loan helps businesses assemble a financing stack that can include prime and near-prime lending, second-look financing, lease-to-own and no-credit-needed programs, Buy Now Pay Later, and other alternative financing, often through one streamlined platform. We tailor lender menus to each merchant’s industry, average transaction size, customer base, and sales process, with a strong focus on helping merchants capture customers who would otherwise be declined.

More than consumer financing. Depending on the business, Zip Loan can also provide higher-ticket and home improvement financing, HELOC options for qualified homeowners, instant-issued virtual credit cards, business loans and working capital, business lines of credit, SBA and commercial financing resources, merchant payment processing, ACH payments, recurring billing, and customer payment plans.

White-glove support. Our team helps with onboarding, lender selection, implementation, training, troubleshooting, and ongoing strategy. We work directly with owners, managers, salespeople, service advisors, and treatment coordinators so financing becomes part of the sales conversation, not something that exists in the business but rarely gets offered.

At the end of the day, Zip Loan is about options: more financing options, more approvals, more ways to recover declined customers, and more opportunities for businesses to close sales they might otherwise lose.