A letter from our founders
Built for the reality of entrepreneurs.
Running a business means deciding every day what to buy, how much to invest and how to keep things going. For millions of small business owners, a lack of working capital stands in the way. We created Zippi to remove that barrier.
We started with small businesses’ biggest pain point: having money available to buy supplies, replenish stock and keep selling. We built a weekly credit line through Pix, with limits and terms that evolve with the business as customers use and repay it.
This relationship helps us understand other challenges business owners face and guides what we build next. Our ambition is to expand Zippi’s role to support small businesses across more of their operations.
Scale built in four years
From nearly zero to over R$ 10 billion.
Annualized TPV, daily series through August 31, 2026.
> R$ 10 biAug. 2026
Our product today
Working capital, tailored to fit.
A recurring credit line built around the small business cycle of buying, selling and repayment. After repayment, your credit line becomes available again for new purchases.
01 Access your credit line
Working capital to buy supplies and replenish stock.
02 Pay through Pix
Your supplier receives the money instantly; you repay Zippi on your weekly due date.
03 Your credit limit can grow
As you use and repay your credit, your limit may increase, subject to credit assessment.
Our technology
Technology built to understand, decide and operate at scale.
Zippi combines software, data, proprietary models, automation and financial infrastructure to operate the credit lifecycle end to end and create the foundation for new products.
Product and experience
Simple journeys built around how small businesses operate.
Data
Financial and usage signals organized to understand each customer.
Models and AI
Decisions and offers that continuously evolve.
Financial infrastructure
Credit, payments and collections operated end to end.
More than 2x
The leading credit provider by share of wallet among our customers, with more than twice the share of the runner-up.
Estimate based on Open Finance and Central Bank of Brazil data for active customers in Q1 2026.
Business opportunity
Over R$ 120bnin annual profit pools.
Built around a universe of small businesses with estimated annual revenue of over R$ 4 trillion in Brazil.
Unsecured creditPaymentsBankingSoftware
Zippi internal estimates. Reference year: 2025.
Recognition and stories
Zippi through other perspectives.
Three perspectives on the people, the thesis and the technology behind what we are building.
Zippi founders selected as Endeavor Entrepreneurs.
André Bernardes, Bruno Lucas and Ludmila Pontremolez joined the global network of high-impact entrepreneurs.
Read the story ↗The Pix opportunity traditional credit did not see coming.
A look at how Pix infrastructure created room for solutions built around the rhythm of small businesses.
Read on Forbes ↗Scaling with AI takes more than adopting tools.
Ludmila Pontremolez discusses models, infrastructure and how technology expands the capacity of both the team and the operation.
Read on Startups ↗What comes next
Working capital was the beginning.
Zippi has grown by turning meaningful small-business needs into solutions that work in everyday life. The same focus guides our next chapter: deepen what we have built, explore new opportunities and learn quickly along the way.
There is still much more to build.