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.

Customer Financing Companies

Customer Financing Companies

Best Customer Financing Companies

Zip-Loan is an agency that helps small business owners provide their customers with the best financing options. We understand the importance of providing businesses with the right type of financing for their needs and strive to offer our clients flexible and easy-to-use solutions. Our goal is to make sure that businesses are supported in finding the funds they need to grow and succeed.

You Deserve to Work With the Best Customer Finance Companies

When it comes to financing your business, you want to make sure you're working with a company that offers financial products that meet your needs. Working with customer financing companies can be beneficial for both businesses and customers when it comes to getting access to additional funds for operations or purchases.

Here are some of the benefits customer financing companies can provide:

Increased cash flow:

Working with a customer financing company can help increase a business's cash flow by allowing them to access additional funds quickly and easily. This increased liquidity can allow businesses to take advantage of new opportunities or invest in necessary improvements without having to wait on traditional lending processes or outside investments.

Flexible repayment terms:

Many customer financing companies offer flexible repayment terms, meaning businesses can structure repayment plans around their existing budget and income streams without taking on too much risk. This makes customer financing an attractive option for those who may not have the creditworthiness needed for regular loans or lines of credit.

Lower interest rates:

Customer financing companies typically offer lower interest rates than other forms of short-term funding, making them even more attractive for those looking for added capital without worrying about high costs over time.


Whether you're seeking additional capital through traditional lending institutions or peer-to-peer lending platforms, customer financing companies provide an efficient way to obtain additional funds quickly and conveniently.

Takeaways For Small Business Owners

  • Establish a relationship with a trusted customer financing company before you need additional funding so that you'll be prepared if unexpected costs arise.
  • Look into customer financing companies offering flexible repayment terms so that your payments fit comfortably within your budget while still meeting deadlines each month.
  • Compare interest rates between different lenders so you know what kind of rate you could expect if you choose a customer finance solution over another form of funding like a bank loan or line of credit.

Closing Paragraph

Customer finance is becoming an increasingly popular way for small business owners to obtain additional funding quickly and conveniently without having to worry about long waits or high-interest rates common with other forms of borrowing. By working with one of the best customer financing companies, you'll gain an edge over the competition.

As businesses continue to look for ways they can access capital without disrupting day-to-day operations, Zip Loan stands ready to connect these entrepreneurs with quality lenders offering competitive rates and flexible repayment options designed specifically for small business owners looking for financial flexibility in order to increase cash flow when needed most.

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Customer Financing Companies
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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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