Supercharge Business Card Approvals & Boost Efficiency
Leverage advanced automated decision management to reduce operational costs by up to 20% with our small business credit card origination solution, designed to integrate seamlessly with your existing tech stack.
Advanced automation streamlines workflows to reduce friction and minimize pending business applications, enabling you to approve more qualified customers with confidence. With application data and business credit reports centralized in one place, decisions are made faster. Intuitive back-office screens support underwriters in handling more complex business cases more efficiently.
By eliminating manual, repetitive processes, your team saves time and resources – allowing them to focus on the high-value tasks of nurturing business relationships, optimizing risk strategies, or expanding your portfolio.
Grow Market Share
Strategically grow your small business credit card portfolio by managing risk at the account level, adapting quickly to market shifts and customer needs.
Enhance Operational Efficiency
Streamline operations with our small business credit card origination software, pending fewer applications and shortening the timeline to a final decision.
Manage Regulatory Compliance
Utilize Zoot’s flexible technology & testing tools to address compliance needs and employ best-practice credit risk management.
Accelerate Small Business Card Approvals
Process decisions up to 100x faster with Zoot’s small business credit card origination solution, driving digital transformation, expanding your footprint in the small business space, and enabling sustainable portfolio growth.
Zoot’s origination platform leverages advanced automation to pend only the applications that need extra scrutiny – speeding up workflows, increasing approvals, and enhancing the experience for small business applicants. Built for scalable innovation, it keeps your institution competitive in a dynamic small business lending landscape.
Extend and scale your LOS with other business-specific functions over time with a systems designed to power long-term success, for your institution and the businesses you serve.
Meeting Your Needs,
and Exceeding Your Goals
Zoot offers a range of ready-made and fully tailored small business credit card origination systems designed to streamline processes and drive better outcomes. Whatever your needs, we have the perfect fit for you.
Base Credit Card Origination System
The essential tools & features your organization needs to quickly stand-up or modernize a competitive credit card program.
Industry Leading Technology:
2-6 Week Implementation*
Flexible Platform Grows with You
Single API Connection
- Full Integration with core software
Includes up to 5 Custom Credit Card Products
- Branded Application Screens
- Save & Continue Later
- Balance Transfers
- Authorized Users
- Multi-Channel Application Support
- Adverse Action Enabled
- Notes Capture, History, & Audit-Trail Tracking
- Standard Reporting
Advanced Underwriting
- Configurable User-Level Permissions
- Optimized Back-end Processes
- Standard & Custom Override Reasons
- Preformatted Decision Comments
Customizable Policy Attributes
- Consumer Credit Score Waterfall
- KYC/Fraud Triggers
- Rule Configuration
Professional
Credit Card Origination System
Our most popular solution, everything you need for rapid implementation & integration of advanced logic, data providers, and decisioning.
Everything You Need from Base:
- Industry Leading Technology
- Flexible Platform Grows with You
- Single API Connection
- Custom Credit Card Products
- Advanced Underwriting
Plus the Right Additions to
Level-Up Your Credit Card Program:
- Custom Reporting & Data Extracts
- Full Customer Marketing Support
- Additional Application Channels
- Single Sign-On Integration
Fully Customizable Decision Rules & Logic
- Industry-Leading Workflow Customization
- Configurable Routing & Queuing Logic
- Seamless Integration with Core Systems
- Actionable Customer Profile Insights
Ability to Integrate Any Data
- Full Integration of Branch & Online Banking Platforms
- Connect with 3rd Party AI Solutions
- Access Existing Connections with Over 70 Best-of-Breed Data Partners
- Seamless Integration with Any Data Source or Provider
24 / 7 / 365 Platform Monitoring & Support
Elite Credit Card Origination System
Combine tailored development, intelligent automation, & actionable data integration to streamline operations and deliver personalized customer experiences.
Guidance & Support for Any Project:
Our Elite credit card origination system empowers financial institutions with a robust, customizable platform designed to meet the demands of modern credit card origination. From tailored product development to scaled agile delivery, we partner with your team to co-develop or fully engineer solutions that match your vision.
Your Ideas Put Into Action
- Consultative Approach
- LOB, Division, or Enterprise-Wide Capable
- Future-ready, Scalable Platforms
- Efficient Development Starts with Pre-Built Libraries & Workflows
- Co-Development Flexibility
- Integration Across Systems
- Custom Data Integrations
Enhance Your Platform with Powerful Features
- Integrated Application Fraud Alerts
- Seamlessly Incorporate Batch Prescreen, Prescreen-of-One, Prequalification, and/or Cross-Sell
- Embed Offers & Applications into Any Part of the Customer Experience
24 / 7 / 365 Platform Monitoring & Support
*Implementation time may vary based on platform complexity & documentation support. Professional & Elite LOS implementations are subject to platform requirements and sizing.
Schedule a Consultation
Explore Zoot’s Capabilities or schedule a consultation with our team to learn how our LOS can make an impact at your organization.
Tackle Risk & Compliance Head-On
Regulatory requirements and evolving risks pose complex challenges – especially when underwriting for small businesses.
Zoot’s small business credit card origination system helps you stay compliant with industry regulations, manage credit and fraud risk, and leverage advanced detection tools to protect your institution from fraudulent business entities, safeguarding both operations and your reputation.
Integrated KYB capabilities enable thorough verification of business identities and financial histories, supporting fast decision making while maintaining compliance. With traceable data and fully documented processes, your team is always prepared for internal reviews or audits.
“If we tried to build something internally, our cost probably would have been tenfold if not more… Our ability to implement changes has been night & day better than in some internal legacy systems.”
Powering Success, Together
Every small business is unique, and so are the challenges you face in serving them. Get up and running 30% faster with a credit card origination system tailored to your commercial strategy.
Whether you’re relying on green screens, point solutions, or legacy tech that can’t keep up with your business portfolio, making the move to a modern origination system can feel overwhelming. With decades of experience helping financial institutions make this transition, our team will help you find the right fit and guide you through every step of implementation.
Whether off-the-shelf or fully customized, real humans provide responsive, global support when you need it most. We understand that downtime and disruption aren’t an option, so we’re in your corner from day one through long-term success.
Fuel Success
with the Right Data
Ensure confidence in every decision with access to top-tier data providers within your small business credit card origination system, whether enhancing risk assessment, streamlining approvals, or improving customer experiences.
Zoot’s credit card origination software centralizes data and reports, empowering analysts to drive smarter, faster decisions, and providing quicker responses to your customers by intelligently acquiring and orchestrating the right data at the right time.
Easily integrate with existing systems through Zoot’s API, simplifying communication while ensuring robust security.
Frequently Asked Questions
How long does it take to implement Zoot’s small business credit card origination system?
Zoot’s small business credit card origination system is designed for rapid deployment, with typical implementation timelines ranging from weeks to months. The exact timeframe depends on factors such as the level of customization and integration needs. Our experienced team collaborates closely with your organization to ensure a smooth and efficient integration process, minimize disruption, and accelerate time to revenue.
Can Zoot’s small business credit card origination system integrate with our existing systems?
Absolutely. Zoot’s small business credit card origination system is built with seamless integration in mind. Our solution connects with your existing systems, data providers, and other third-party solutions using robust APIs. Our team works closely with you to ensure smooth integration, enabling your systems to work together efficiently.
Can Zoot’s small business credit card origination system be used across multiple lines of business?
Yes, Zoot’s small business credit card LOS is highly flexible and can be configured to support multiple lines of business with higher levels of customization. Whether you are managing credit cards, personal loans, or other financial products, the modular design of our solution allows you to tailor workflows, rules, and decisioning to meet the unique needs of each product line. This versatility ensures a consistent and efficient origination process across your entire organization.
Ready to Take the First Step?
Explore Zoot’s Capabilities or schedule a consultation with our team to learn how our LOS can make an impact at your organization.
Origination Resources
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