Small Business Lending Solutions

Grow Your Portfolio With Smart Lending Solutions

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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.”

Product Manager

Zoot Small Business Solution Use Cases:

The Zoot Difference

Strengthen 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

Gain deeper visibility into your loan origination performance with comprehensive reporting and analytics capabilities, enabling data-driven decisions and continuous improvement.

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.

How Does Zoot Work?

Step One

Discuss Your Requirements

Our team will work with you to learn your organization’s needs inside and out, gaining a solid understanding of exactly what your team is looking to accomplish.

Step One

Connect With The
Right Data Providers

High-quality, trustworthy data is crucial to your organization’s decisions. With access to our custom tools and over 70 data providers, we’ll get you exactly what you need in real time.

Step One

Build Out the Perfect Solution

Expert developers will work alongside you to craft a custom-tailored solution to fit your exact needs. We’re here to help you succeed.

Staying CRA Compliant with Innovative 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.

Compliant Small Business Lending Solutions
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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.

Real-time decisions in 185 countries

Seven office locations across the United States and Europe


Connections to over 400 data products


Over 30 years of innovation in loan origination and advanced decisioning