Welcome To The HoneyBee PTO Loan Program


The HoneyBee PTO Loan ℠ program allows all employees, regardless of credit history, to easily access zero interest loans when needed. ¹

Emergency Funds

Up to $2,500 to help manage unplanned expenses

Clear Your Debt

$5,000 to pay down outstanding credit card debt

Get In Touch



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

Privacy Policy           Term of Use           Compliance 

(1) 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 Act. A 4-month $2,500 loan from us with a stated interest rate of 0% and a loan origination fee of $50 would require 7 scheduled bi-weekly payments of $364 for an effective Annual Percentage Rate (“APR”) of 12.94%. Eligibility 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.