Zip Loan

Move Your Business Forward by Helping Every Customer

By Offering All Customers Payment Plans Regardless of Credit

Offer payment plans at point of sale that is simple, fast , and as easy as a card transaction.

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We've Changed the Rules of The Game !

Zip-Loan is changing the financing game with a customized experience at the point of sale.

Zip-Loan’s award-winning, API-driven technology offers real time decisioning in an end-to-end digital consumer financing platform. Zip-Loan helps sellers realize more sales by making their products and services more affordable to a broader range of prospective buyers.

By offering custom payment solutions with lower monthly payments like “TRUE ZERO™” interest, sellers can lower their customer acquisition cost by changing more “Maybes” into “YES” while driving sales and see increases of over 30% greater than standard finance options.

Zip-Loan eliminates the #1 reason for postponing the buying decision: AFFORDABILITY.

For qualifying sellers, Zip-Loan can even provide a 100% approval program….

Don’t settle for a standard “off the shelf” financing. Cover all your bases with a custom payment solution —and hit one out of the park with Zip-Loan!

First Look Solutions

Ideal for consumers with prime credit, this solution set offers lines of credit and revolving credit with little hassle. It’s also suitable for tier-one financial partners.

Second Look Solutions

Many consumers have sub-prime credit, and offering them a payment solution can significantly boost revenue. Second look solutions provide that opportunity while minimizing risks.

Third Look and Merchant Backed Payment Plans

Some people have bad credit but are still payment worthy. In these cases, the solutions include merchant backed payment plans. Zip Loan makes sure the merchant has comprehensive risk management.

Creating Solutions and Enabling Long Term Relationships

Zip Loan offers businesses and consumers of all credit ratings solutions to pay for purchases easily and transparently. It goes beyond a monetary exchange, and companies can build lasting relationships with their customers. These relationships and customer loyalty ensure future sales, regardless of niche.

The History of Zip Loan

Each company is unique and requires a customizable solution that grows with it. At Zip Loan, we offer extensive experience and expertise based on decades of helping businesses and consumers. Our proprietary software is built to handle every situation.

We did not start out serving all types of businesses and consumers. However, we did so well in the Niche industries that we looked for similar niches. This change led to explosive growth, and we now serve all company sizes.

Zip Loan is committed to helping other companies grow through modular payment solutions. We love seeing our partners gain recurring revenue and create lifelong customer relations. We know every business is unique, and we’re here to provide the support for each to grow.

First Look Solutions

Zip Loan has formed partnerships with leading financial institutions and lenders for the sole purpose of creating an integrated first look experience. Consumers can see all their options in one location, which makes them more inclined to buy.

Application Process

APIs support the application, credit rating, pre-approval, and final offer for a smooth process from start to finish. Each financial provider has a tailored workflow to its algorithms and necessary functionality. These APIs handle special requirements seamlessly and speed them up.

This modular solution supports pre-approval concepts, promotional payment programs, and joint application processing.


This module supports both online and storefront transactions, pending the approval of third-party partners. With practical features like same-day voiding, partial or full post return, and support for on-site facilities, the first look module is a sensible choice.

Reports and Inquiries

Businesses need to know their revenue figures, so this modular software makes it easy. Companies can quickly check daily transactions reports, merchant reporting, individual transaction reviews, individual account settlement status, and merchant-wide settlement reports.

Customers can also verify their accounts and track their payments.


The solution modules are designed so they can work independently or within an existing customer system. The modular payment solution integrates with the most popular software easily, or the development team can build a custom bridge.

Zip Loan offers full look customization. Clients can choose to use the existing clean interface or create their own to match the rest of their process. Zip Loan offers workflow optimization and assistance.

Second Look Solutions

Second look solutions often require multi-level or multi-partner financing options. Zip Loan facilitates that through the second look module for consumers who are typically considered sub-prime borrowers. The process matches the first look module, and the two integrate seamlessly for a better customer experience when deployed together.

Application Process

Functional APIs allow quick processing for application, credit rating, pre-approval, and final offer for each financial institution. The API expedites special requests and manages the process flow based on what information the consumer provides.

Joint application processing, pre-approval concepts, and promotional payment options are available with this module.


Businesses need to know their revenue figures, so this modular software makes it easy. Companies can quickly check daily transactions reports, merchant reporting, individual transaction reviews, individual account settlement status, and merchant-wide settlement reports.

Customers can also verify their accounts and track their payments.

Reports and Inquiries

All modules include in-depth reporting so partner companies can better manage their revenue stream. Available reports include individual transaction review, individual account settlement status, merchant
reporting, daily transactions report, and merchant-wide settlement reports.

Customers can also verify their own accounts and perform specific actions.

Third Look and Merchant Payment Plans

Payment plans may seem newer, but the practice is a well-recognized payment method with decades of history. At Zip Loan, we’ve been providing payment plan solutions for years to helps businesses gain customers, even those without excellent credit.

Zip Loan provides an end-to-end solution for every client. This model uses advanced origination modules and comprehensive software solutions for every eventuality. As with first look and second look modules, this software can be used alone or as a modular waterfall solution.

How It Works

The third look and merchant backed plan module can be implemented alone or with partner workflows for a seamless experience. The APIs handle all the origination and underwriting mechanisms as well as the payment plan execution.

This modular payment solution includes four potential mechanisms for ease of use:

This module uses a proprietary software solution for underwriting criteria that companies can customize using a rules system. Companies can specify each aspect of the payment terms based on their clients’ risk factors when filling out their profile. The platform has an API for credit risk factors and can check credit scores.

The interface for consumers is straightforward and simple to operate. Changes companies make to criteria are reflected immediately, and users are not notified when a company changes its rules. Instead, the consumer sees different offers at the next search.


The module platform creates the necessary legal documentation based on the merchant inputs. The platform includes a signature pad for ease of use and email status updates on the customer’s requests. For the consumer, the straightforward workflow looks like this:

Recurring Billing

Once the consumer signs the documents, the recurring billing system handles all payment management. There’s no need for the company to chase the consumer. If necessary, the collections module handles any missed payments.

Additional Key Module Features

All modules include:

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