We are on a mission to empower Brazil’s 22 million micro and small businesses (MSBs) with financial solutions that truly fit their needs.

We pioneered the use of PIX as a credit platform, enabling MSBs to access working capital instantly. With a single tap, our customers can pay business expenses while enjoying up to 10 days to repay, ensuring consistent cash flow for their operations.

Since launching three years ago, we’ve achieved profitability and experienced exponential growth. To date, we’ve extended over R$7.6 billion (US$ 1.4 billion) in credit to micro and small businesses across Brazil. We’re rapidly scaling to become the leading working capital solution in Brazil’s R$ 3.5 trillion (US$ 652 billion) MSB economy. Much like how credit cards transformed consumer spending, Zippi is redefining how small businesses manage cash flow — instantly accessible, seamlessly integrated, and built for real-world needs.

Our success is fueled by a highly automated, data-driven approach. We’ve built an advanced technological infrastructure that processes vast amounts of payments and credit data, allowing us to underwrite, disburse, and collect at scale while maintaining strong unit economics. We manage the entire credit cycle in-house, leveraging cutting-edge data science to make real-time decisions with precision.

Backed by top-tier investors like Y Combinator and Tiger Global, we have assembled a world-class tech team focused on building a future where every small business in Brazil can thrive. If you’re looking for an opportunity to make a real impact in a cause that’s worth fighting for — at one of the fastest-growing startups in emerging markets, tackling a multibillion-dollar opportunity — Zippi is the place to be.