Investment offerinG
Earn 8–12%
Fixed Annual Returns
Invest alongside experienced Pennsylvania real estate investors through ZIP Capital's professionally managed private debt fund.
Why Investors Trust ZIP Capital
Investment Benefits
Secured by Real Estate
Every investment is backed by a tangible real estate asset—providing built-in security and minimizing downside risk.
Passive Monthly Income
Receive monthly distributions, or choose to reinvest and take advantage of monthly compounding interest.
Liquidity After 6 Months
Your investment is locked for the first six months. After that, you are free to request withdrawals at any time.
Low Minimum Investment
Get started with as little as $25,000.
Proven performance
Since inception, ZIP Capital has maintained 0 defaults and 0 foreclosures, funding almost $10 million in well-underwritten projects.
Transparent & Trust-Driven
Investors receive clear reporting, full visibility into project performance, and open communication at every step.
Why Investors Choose
ZIP Capital
Most investments force you to choose between higher returns and lower risk.
ZIP Capital is different.
Our investors earn fixed annual returns backed by first-lien Pennsylvania real estate loans—without the headaches of owning rental properties or the volatility of the stock market.
• Asset-backed by real estate
• Monthly cash distributions available
• No tenants, toilets, or property management
• Professionally underwritten loans
• Transparent reporting and communication
Since 2023, ZIP Capital has funded over $10 million in Pennsylvania real estate loans with zero foreclosures or defaults.
Why I Started ZIP Capital
Zach Pasquariello
Founder & Managing Partner, ZIP Capital
I didn't start my career in private lending. For five years, I built and operated Harrisburg Bookkeeping, working closely with hundreds of business owners to understand financial statements, cash flow, and business performance. That experience taught me how to evaluate risk, identify strong operators, and recognize warning signs—skills that became the foundation of how we underwrite every loan at ZIP Capital.
Before launching ZIP Capital, I also served as an Infantry Officer in the U.S. Army. The Army instilled discipline, accountability, and a process-driven approach to leadership. Combined with my financial background, those experiences shaped the conservative underwriting philosophy we use today.
Since launching ZIP Capital, we've funded more than $10 million in Pennsylvania real estate loans while maintaining disciplined underwriting, first-lien mortgage positions, and a commitment to transparency. Every loan is evaluated with one priority in mind: protecting investor capital while helping experienced real estate investors grow their businesses.
I built ZIP Capital to provide accredited investors with attractive, passive returns backed by carefully underwritten Pennsylvania real estate loans. My goal is to earn trust through conservative lending, clear communication, and consistent execution over the long term.