About Zippy
Zippy helps manufactured-home buyers get financing online and supports their loans after closing. Its process covers new and pre-owned homes without a bank visit. Borrowers may receive fixed-rate loans without prepayment penalties, subject to eligibility and credit. Licensed loan originators help explain rates and terms.
Zippy, Inc. owns separate companies for lending, insurance and software. Zippy Loans is a direct lender that originates and services manufactured-home loans. Ben Halliday is co-founder and chief executive officer. The lending platform also works with community partners and traditional manufactured-home retailers.
Funding Rounds (SEC Form D)
| First sale | Filed with SEC | Amount sold | Investors | Avg. check | Terms | Filing |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | Oct 15, 2026 | $20,000,000fully sold | 1 | $20.0M | EquityRule 506(b) | Form D ↗ |
| Dec 9, 2025 | Dec 16, 2025 | $18,999,990fully sold | 1 | $18.9M | EquityRule 506(b) | Form D ↗ |
| Sep 27, 2024 | Oct 15, 2024 | $19,570,431fully sold | 17 | $1.1M | EquityRule 506(b) | Form D ↗ |
| Aug 19, 2022 | Aug 31, 2022 | $15,549,997fully sold | 7 | $2.2M | EquityRule 506(b) | Form D ↗ |
| Sep 15, 2021 | Oct 7, 2021 | $3,180,000of $3.2M target | 10 | $318K | EquityRule 506(b) | Form D ↗ |
| Total, five offerings | $77,300,418 | |||||
First sale is the date the first investor in the offering committed to invest. Companies must file Form D within 15 days of that date, so filing dates run later.
Rounds announced by Zippy
What the company said publicly about its funding. Announced amounts can differ from Form D figures: an announcement can combine several closings, and some money is raised without a Form D.
| Announced | Round | Amount | Investors | Source |
|---|---|---|---|---|
| Oct 14, 2026 | Series C | $20 million | Saluda Grade (lead) | Business Wire release ↗ |
| Dec 10, 2025 | Series B-3 | $5 million cash and $14 million in shares to Zippy | ETHZilla (lead) | ETHZilla and Zippy release ↗ |
| Feb 15, 2023 | Investment | Undisclosed | FirstBank (lead) | FirstBank investment release ↗ |
Why Investors Backed Zippy
Zippy sells digital lending and servicing for manufactured homes. It built the platform for borrowers, home sellers and institutional capital. The system maintains real-time loan data and investor reporting. It also uses automation and AI-enabled tools for underwriting and compliance.
The problem it targets
ETHZilla describes manufactured-home lending as one of America’s most underserved credit markets. The release ties Zippy’s work to the U.S. housing affordability crisis. Zippy targets loan-production costs, closing times and access to credit. Its rules-based process also seeks more accurate risk and compliance decisions.
What the product does
The origination system applies automated rules across credit, reporting and compliance. It maintains real-time loan data and prepares reports for investors. The architecture is designed to handle institutional scale. Zippy and ETHZilla plan to connect it with tokenization infrastructure for on-chain loan distribution.
Progress so far
Zippy and ETHZilla agreed to aggregate manufactured-home loans for tokenization or securitization. For 36 months, related blockchain infrastructure and digital issuance must use Liquidity.io and Satschel. The partners expect institutional investors to purchase loans through a forward-flow arrangement.
Who backs it
Saluda Grade made the Series C investment and announced a strategic partnership with Zippy. ETHZilla purchased Series B-3 preferred shares as part of its real-world asset strategy. ETHZilla viewed Zippy as a route into residential lending and gained the right to appoint a director.
How the market is moving
ETHZilla estimates the manufactured-home financial-services market at $14 billion. It views these loans as a new real-world asset category for blockchain distribution. The investor is applying this strategy to auto loans, equipment and real estate.
We wrote this summary from public statements by Zippy and its investors. It is not investment advice.
Zippy in the News
Leadership Team
Executive officers and directors listed on Zippy's Form D filed Oct 15, 2026.
Earlier filings also listed Wade Peery (director, last listed Dec 2025), John Bertrand (director, last listed Dec 2025), Jake Betzel (director, last listed Dec 2025) and Andrew Townsend (director, last listed Aug 2022).