Available in Arizona, Colorado, Nevada, New Mexico and Texas.


For established small business owners with frequent electronic payment transactions and limited collateral, we offer the ZipPay Loan from $8,000 to $50,000. Get a loan from a lender that wants your business to succeed just as much as you do.


The ZipPay Loan is structured as a term loan. This worry-free product automatically withdraws a small percentage of funds from your regular electronic transactions without the stress of remembering to make a monthly payment. The ZipPay Loan can be used for business expansion, operating capital, property improvements, marketing, and more.


Qualification Details:

  • Be at least 18 years of age
  • Have a credit score of 650 or higher
  • Business must be at least 6 months old
  • Cash flow to support monthly payments
  • Requires switching electronic payment vendor
  • Proof of income may be required
  • Be current on your mortgage and vehicle payments
  • 6 months of merchant service statements
  • Not have any active bankruptcies or foreclosures in the past 12 months
  • Additional criteria may apply


If you don’t meet these basic requirements, we encourage you to check back after you’ve had a chance to strengthen your application. Or, if you have any questions, contact us at (800) 508-7624.

About Accion

Accion is an award winning nonprofit organization dedicated to providing the tools entrepreneurs need to operate, grow or start their business. We pride ourselves on creating a community of support that not only increases access to business credit and makes loans, but also provides training to help entrepreneurs realize their dreams. Through consultations, loan closings and site-visits Accion’s team equips entrepreneurs with the knowledge, tools and confidence to build a strong business platform for a more secure future.