Zoot’s Consumer Lending Platform
Originate Consumer Loans with Speed, Control, and Scale
Build digital lending journeys for retail finance, BNPL, or personal loans with a platform that’s modular, configurable, and ready to go in under 90 days.
Prebuilt Lending Flows
Use industry-tested templates to build application-to-decision workflows.
Real-Time Decisioning
Automate credit decisions with built-in scoring logic and policy execution, so every application is processed instantly and accurately.
Modular Lending Engine
Configure and reorder rules and workflows for affordability, fraud, ID verification, and different loan types, supporting BNPL, term loans, and personal credit.
Configurable Lending Journeys for Retail, BNPL & Consumer Finance
Our consumer lending solution is built for speed and adaptability. Whether you’re launching BNPL, personal loans, or instalment financing, our modular platform digitises origination end to end, from application to final decision. Designed for scale and long-term performance, it comes with best-practice rules, ready-made data connectors, and tools for rapid adjustment. All are maintained within a clear architecture and governed through intuitive admin panels, structured datastores, and WebRules Builder.
Multi-Channel Application Intake
Accept applications any way you like: through a web portal, broker platform, or API. No matter the source, everything is normalised and routed through the same smart logic.
Internal Data Policy Evaluation
Before external checks, the system executes a series of configurable internal policy rules across both application and applicant data to assess completeness, velocity, and customer status.
External Data Policy and Risk Evaluation
The platform connects to credit bureaus, fraud prevention providers, and KYC/AML databases to retrieve external data. Credit scores, risk grades, and PD bands are then calculated for automated decisioning and pricing logic.
Affordability & Open Banking Checks
Affordability is validated using income and outgoings data, with the option to add open banking. Where customers consent, transaction data gives you richer insights for fairer, more precise decisions.
Fraud, AML & Bank Account Validation
Fraud checks, AML screening, identity verification, and bank account ownership validation are built in using configurable policy rules and external data providers.
Decisioning & Underwriting
Final automated decisions are referred to underwriters based on predefined criteria. Underwriters can view all relevant flags, modify data, and execute tasks within a unified interface.
Offer Completion, Documentation & Response
Personalised offers, APR calculations, and required documents are generated instantly. E-signature and real-time responses are fully supported, including process re-entry if needed.
Configurable Lending Workflows and Tools
Speed Up Time to Market
Go live in under 90 days with predefined workflows, built-in integrations, and best-practice lending logic.
Support Multiple Lending Models
Run BNPL, term loans, and personal credit lines side by side. Each model comes with its own configurable workflow, pricing, and approval criteria.
Enable Rapid Change
Update scoring, rules, and workflows directly through admin tools and datastore configurations, without long dev cycles.
Simplify Development and Support
Reduce onboarding and QA effort with reusable logic, well-documented architecture, and clear design principles.
Lending Models Supported
Buy Now, Pay Later (BNPL)
Term Loans
Revolving Credit
Instalment Loans
Deferred Payment Options
Unsecured Personal Loans
Embedded Retail Finance
White-Label Lending
Bring Consumer Lending to Market. Fast and Flexible.
Let’s explore how Zoot makes launching BNPL, personal loans, or term credit simple, scalable, and under your control.