Transforming Our Nation’s Financial Health 

One Business At A Time


Our Story

HoneyBee is the result of the founding team’s personal financial struggles, as immigrants we understand how difficult it is to build credit in the US and managing expenses in one of the most expensive cities was an uphill battle without any smart alternatives.

We listened to employees needs and heard their stories about their financial struggles and we were determined to build a better solution and help protect working Americans from predatory lenders and provide the support they need for a rainy day. 

HR executives all over the country have joined us in our shared mission to disrupt predatory lenders that are threatening millions of American households today.


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660 4th Street, Suite 600, San Francisco, CA 94107

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 California Residents: Ziero Financial Inc. dba HoneyBee is licensed by the Department of Business Oversight, pursuant to the California Finance Lenders Law, license #6052829. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity ActEligibility is not guaranteed, and requires that lending capital is available to fund your account and that you meet credit and other conditions. All loans are issued by Ziero Financial Inc. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long-term visa and at least 18 years old. Valid bank account and Social Security Number are required.