Access Up To $2,500 To Help Manage Unplanned Expenses


All employees with paid time off (vacation days) can instantly access zero-interest loans when faced with financial setbacks. ¹

Manage Expense

We all run into unexpected expenses. With HoneyBee, you can quickly access funds when you need.

Pay Down Debt

Overwhelmed with payday loans or other high-interest debt? Let us help you get back on track.

Build Credit

Wished you had better credit? The HoneyBee loan is designed to improve your credit score as you repay. ²

The cost of funds for 113 Million Americans with little or no credit

For a typical $2,500 subprime personal loan, borrowers are required to repay over $6,600 in interest and fees.

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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.

(2) Results not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.