From Data to Decision

Our consumer and B2B cloud lending solutions allow lenders to digitalise and automate the lending process to make better and faster decisions with fully integrated access to data and flexible workflow management. From third party data acquisition to decisioning to case management, lenders only need a single supplier with our online lending platform.

Innovative banks, business lenders, fintechs, e-lending solutions, asset and motor finance providers as well as leading credit card issuers rely on Zoot for their flexible lending solutions. Our end to end lending software delivers insight from data and supports lenders in establishing and maintaining a smart and efficient digital lending strategy.

Consumer and B2B lending solution

Zoot’s modern lending platform is an enabler for both consumer and commercial lending solutions. The agility of the service ensures it will never hold you back. Zoot’s platform works seamlessly to optimise access and use of data alongside the rapid application and management of your lending policy. Our value lies in providing speed and flexibility across three key pillars (1) technology, (2) data and (3) lending policy.

Our customers benefit greatly from this model. It offers a digital-first approach with fully customisable components, flexible and fast integration and robust security, as well as improved customer interaction and successful partner collaboration.

The adoption of dedicated digital lending software helps in the delivery of uninterrupted digital lending journeys and a consistent user experience. Banks and financial institutions use our digital loan origination software to make digital lending faster, more agile, secure and efficient.

What is digital lending software?

Digital lending software is a technology that helps financial institutions to increase their efficiency and loan profits while also delivering better service. Potential borrowers can apply for loan products using this flexible and effective cloud lending solution from any device and from any location. The digital lending platform connects borrowers with lenders to provide rapid loan applications, a wide range of loan products, and a seamless customer experience. Our leading cloud lending technology helps financial institutions adapt to the modern banking IT environment without the headache of multi-vendor integration

Why use a cloud lending solution?

When compared to the legacy systems, a cloud lending solution saves time in development, maintenance and deployment to deliver solutions quickly. It automates loan servicing operations, resulting in cost-efficient, streamlined workflows, with improved client service, and improved profitability. 

Exploiting advanced analytics of choice and purpose-built processes and infrastructure to create their AI lending platform, lenders can make decisions instantly and use risk-adjusted pricing to raise the efficiency. The review of borrowing capacity, the calculation of credit scores, and the processing of personal data are all automated with an online lending platform. This powerful technology ensures a smooth customer journey and staff touch-time reductions to yield operational-efficiency gains. 

Zoot’s lending software benefits

Our main value is the digital transformation of loan operations using the newest fintech technologies. 

Zoot Solution offers all-in-one system for everything:

1. Digital application journey
2. Credit decisioning and workflow management
3. Ease of access to data
4. Underwriting screens
5. User controlled datastore real-time change capability
6. Contract generation
7. Product configuration
8. Pricing calculation
9. Document generation
10. E-signature
11. Operational reports

Our end to end lending software has a number of advantages

• Low total cost of ownership (internal/supplier time reduced a minimum with Zoot)
• Empowered and have full control over every module.
• Transparency
• Time to market (respond to market needs, no need for stand-alone sizing/pricing/work orders)
• Access to any API enabled data provider.

Our future-proof cloud lending solutions drive digital transformation, to improve cost efficiency, maintenance, and security.