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.

Best Customer Financing For Contractors

Best Customer Financing For Contractors

Best Customer Financing for Contractors

Zip-Loan is a financing agency designed to help small business owners provide financial options for their customers and clients. Our team of experts understands the unique needs of businesses of all sizes, including contractors who want to offer financing options to their customers.

What is Zip-Loan?

At Zip-Loan, we work with small business owners to provide the best customer financing for contractors so they can offer competitive options for payment. We specialize in helping contractors secure the funds they need for projects, equipment, and other purchases. Our custom-tailored loan packages help contractors make it easier for their customers to make payments on time, thereby increasing customer loyalty and retention. We also have a wide range of services that cater specifically to contractors, such as lower interest rates, flexible repayment plans, and more.

Who Benefits from Using Zip-Loan?

At Zip-Loan, we understand the unique needs of contractors and small business owners alike and work hard to provide them with the best customer financing options on the market. With our custom-tailored loan packages, flexible repayment plans, and dedicated loan officers to help guide you every step of the way, we strive to ensure that businesses of any size have the resources needed to succeed. Contact us today if you're interested in learning more about how Zip-Loan can help your business take its next steps toward success!

Zip-Loan is an ideal option for any contractor looking to increase customer satisfaction and loyalty. By offering financing options through Zip-Loan's platform, contractors can give their customers a more convenient way to pay while also giving them the opportunity to complete larger projects that they otherwise could not afford upfront. This allows contractors to increase their market share by competing against larger companies that may not offer these financing options.

Why Choose Zip-Loan?

Zip-Loan offers several valuable benefits when it comes to providing customer financing for contractors:

  • Lower interest rates than most traditional lending institutions
  • Flexible repayment plans tailored to your specific need
  • Accessible online application process with no hidden costs or fees
  • Dedicated loan officers are available 7 days a week

Additionally, our team provides unparalleled support every step of the way throughout your loan process. Whether you're just starting out or are an established business looking for further growth opportunities, our team has the expertise and resources necessary to ensure you get the best possible outcome from our services. And with our 100% customer satisfaction guarantee, you can rest assured knowing that you'll be taken care of throughout the life of your loan with us!

Get Started With Zip-Loan!

Getting started with the best customer financing for contractors is easy - simply fill out our online application form today, and one of our dedicated loan officers will be in touch within 24 hours. With low-interest rates, flexible repayment plans, and no hidden fees or costs involved in setting up your account, there's never been a better time than now to unlock the potential success of your business with us! Contact us today if you have any questions or would like more information about how Zip Loan can benefit your business!

Zip Loan
Best Customer Financing For Contractors
624 Matthews Mint Hill Rd

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Best Customer Financing For Contractors Best Customer Financing For Contractors

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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