Small Business Lending
Grow Your Portfolio with
Smart Lending Solutions
Elevate your offerings by providing smart, comprehensive lending solutions to your small business clients or members. Whether it’s financing for expansion, equipment purchases, or working capital, our lending solutions will enable you to strengthen your relationship with small businesses and contribute to their long-term success.
Why Small Business Lending?
Staying ahead of customer demands, regulations, and competition can be daunting. Balancing innovation and stability is a constant struggle as banks aim to grow in a dynamic market. Every day, financial institutions face tight timelines, massive expectations for scale, and pressure to increase efficiency with fewer resources. On top of that, they must swiftly identify and address customer needs to avoid falling behind the competition. That’s why you need a reliable partner who can keep up.
Zoot Solutions offers industry-leading technology and expertise to help navigate the complexities of small business lending. Whether you need to originate credit card applications, line of credit requests, or traditional business loans, our innovative solutions will streamline your lending process and enhance decision-making capabilities.
By partnering with Zoot, organizations gain the ability to streamline processes, increase flexibility, and accelerate growth. No matter your needs, Zoot will build a powerful, nimble decision engine to meet them, ensuring long-term success.
“I can’t imagine another system that’s as nimble or would enable us to test different strategies as quickly. Because of that, we’ve really been able to maximize our portfolio.”
Small Business Lending Use Cases
Become the trusted partner for your small business clients, catering to all their financial requirements. Obtain a holistic understanding of their financial landscape, enabling you to proactively suggest new products, detect possible fraud, and intervene before an account falls into delinquency.
Business Credit Cards
Offer business specific credit cards and rewards.
Line of Credit
Offer secured and unsecured lending options for your business clients.
Merchant Vetting & Monitoring
Swiftly Manage Risk with Efficient Merchant Vetting
Term Loans
Finance the purchase of business assets with fixed monthly payments.
Business Checking
Become the financial foundation for your small business clients.
Delinquency Prevention
Reduce the risk of small business accounts going delinquent.
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Start growing today.
Build a stronger small business portfolio with Zoot.
The Zoot Difference
Zoot’s innovative solutions take the guesswork out of growing your small business LOB. From digital transformation to marketing & increasing account openings, Zoot has your small business growth goals covered.
Strengthen Business Risk Assessment
Integrate KYB capabilities into your small business lending to enhance risk assessment by accessing and analyzing various data sources, enabling more informed lending decisions and reducing the risk of fraud or default.
Enhanced Reporting and Analytics
Enhance your understanding and assessment of your small business loan origination performance through the utilization of robust reporting and advanced analytics capabilities. Make informed, data-driven decisions and foster a culture of continuous growth.
Layered Approach to Technology Integration
Build standardized, flexible, and scalable processes that are configurable and easily updated to seamlessly integrate your existing systems, new providers, and data sources, ensuring efficient and optimized lending processes.
Efficient Application Processing
Streamline loan application processing with an intuitive interface that allows your team to easily navigate through the workflow, reducing manual errors and minimizing processing time.
Streamlined Document Management
Simplify document management by enabling the upload, review, and tracking of loan documents within a single platform, eliminating the need for manual handling and ensuring secure and easy accessibility.
Integrated Credit Decisioning
Make informed decisions based on customizable risk thresholds and lending policies by seamlessly integrating credit decisioning capabilities, providing a comprehensive view of applicant credit profiles.
Customizable Workflows and Rules
Tailor the loan origination process to your institution’s needs with customizable workflows and rules that align with your specific lending policies and procedures, ensuring greater efficiency, consistency, and compliance.
Customizable Application Screens
Personalize the application process to align with your brand identity by customizing application screens, creating a cohesive and consistent user experience for small business applicants.
Mobile-Responsive Design
Reach a broader audience and accommodate the preferences of mobile users with application screens that are designed with mobile responsiveness in mind, ensuring seamless access and completion of loan applications from any device.
Intuitive User Interface
Provide a smooth and efficient application process with an intuitive user interface that simplifies navigation, reduces complexity, and enhances the likelihood of completed applications.
Why Choose Zoot?
Small businesses are the backbone of our economy, and they deserve lending solutions tailored to their unique needs.
With Zoot’s Small Business Lending Solutions, you can make precise, profitable decisions while managing risk effectively. Whether you’re originating small business credit card applications, lines of credit, or traditional loans, our innovative technology and comprehensive approach will empower you to grow your lending portfolio and support the success of small businesses. Partner with Zoot Solutions today and unlock the full potential of small business lending.
Staying CRA Compliant
with Innovative Small Business Solutions
We understand the importance of staying Community Reinvestment Act (CRA) compliant while driving innovation in small business lending.
Our approach strikes a balance between technological advancements and community impact. Our data-driven analytics and alternative credit scoring models identify creditworthy borrowers who may have been overlooked by traditional practices. With Zoot’s innovative solutions, banks can drive economic growth and support small businesses while fulfilling their community reinvestment responsibilities.
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How Does Zoot Work?
We understand that your business is unique, and so are its challenges. Unlike other decisioning companies that offer one-size-fits-all solutions, we take a personalized approach to every project. Our team of experts collaborates closely with you to design and build systems that address your specific needs, ensuring real-world solutions and measurable outcomes.
You’re not just getting a product – you’re getting a partner committed to your success, every step of the way.
Step One
Discover Your Needs
We begin by delving deep into your organization’s challenges and objectives. Through collaborative discussions, we uncover the unique opportunities and pain points specific to your business.
Step Two
Access Trusted Data
Utilize our extensive network of over 300 data connections to access the most accurate and reliable data in real-time. With our expertise in data acquisition, we ensure you have the insights you need to make informed decisions.
Step Three
Craft Your Solution
Our team of expert developers works hand-in-hand with you to design and build a tailored solution that addresses your specific needs. From conceptualization to execution, we’re committed to delivering a solution that drives measurable results and accelerates your success.
Ready to Take the First Step?
Ready to unlock the power of data-driven decisioning technology solutions for your business? Dive into tailored solutions or schedule a consultation with our team.