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Overview
Zippi is a Brazilian fintech focused on micro and small entrepreneurs. It provides agile and accessible financial solutions, using PIX as a credit and payment platform to help businesses move forward. The company processes over R$2.7 billion in transactions per year and has recently reached breakeven, showing its business model can scale sustainably. Zippi’s approach centers on enabling small businesses to access fast payments and credit through PIX, simplifying financial operations and cash flow management. Unlike many peers, Zippi has positioned itself as an early responder to PIX-based finance for the small-business segment and has achieved meaningful scale in Brazil. The company’s goal is to help millions of Brazilian micro and small entrepreneurs thrive by making financial services easier to use and more affordable.
About Zippi
Industries
Fintech
Financial Services
Company Size
51-200
Company Stage
Debt Financing
Total Funding
$70.2M
Headquarters
São Paulo, Brazil
Founded
2019
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Simplify's Take
What believers are saying
- Zippi doubled 2025 revenue, portfolio, and volume, signaling strong product-market fit.
- It targets R$10 billion transactions in 2026 after raising R$220 million in FIDC funding.
- Breakeven and R$350 million under management by 2026 reduce existential financing pressure.
What critics are saying
- Pix Parcelado, Pix Automático, and bank competitors compress Zippi's advantage by 2026.
- Credit Saison's entry proves scale, but FIDC dependence exposes refinancing risk during credit tightening.
- Brazil's 21 million micro-businesses are fragmented; a single underwriting shock can cripple portfolio growth.
What makes Zippi unique
- Zippi underwrites micro-entrepreneurs through PIX-native credit, not generic SME banking.
- Bruno Lucas said the model improved funding predictability and aligned with operating cycles in 2026.
- FIDC financing from Itaú, Bradesco, Valora, and Credit Saison validates institutional credit quality.
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Funding
Total Funding
$70.2M
Above
Industry Average
Funded Over
4 Rounds
Tiger Global
Y CombinatorBenefits
Health Insurance
Childcare Support
Meal Benefits
Flexible Work Hours
Remote Work Options
Wellness Program
Mental Health Support
Professional Development Budget
Stock Options
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -2%2 year growth
↑ 8%Zippi, a Brazilian fintech providing working capital credit to micro-entrepreneurs and freelancers, has raised R$220 million in its third Investment Fund in Credit Rights (FIDC), attracting Japanese firm Credit Saison as a new institutional investor. The round also included participation from Itaú Asset, Itaú BBA Treasury, Bradesco BBI and Valora Investimentos. This marks Zippi's largest fundraising to date, following two previous FIDCs of R$66 million in 2024 and R$80 million in 2025. The company aims to reach R$350 million under management by the end of 2026, significantly expanding its credit capacity. In 2025, Zippi more than doubled in size, growing revenue, portfolio and transaction volume by over 100%. The fintech expects to process approximately R$10 billion in transactions this year whilst serving Brazil's 21 million micro and small businesses.
Zippi secures $15.9M to expand credit access for Brazilian small businesses.
Fintech Zippi raised R$80 million in a new issuance of its credit rights investment fund (FIDC), with contributions from Itaú BBA, Bradesco Asset, Verde Asset, and Valora Investimentos. The funds will be used to expand the customer base and increase credit limits for the active portfolio. This issuance raised the managed assets to R$160 million.
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About Zippi
Industries
Fintech
Financial Services
Company Size
51-200
Company Stage
Debt Financing
Total Funding
$70.2M
Headquarters
São Paulo, Brazil
Founded
2019
There are no jobs for Zippi right now.
Find jobs on Simplify and start your career today