About Zo Leasing
We're on a mission to make lease-to-own accessible for every business and every customer.
Our Story
Zo Leasing was born from a simple observation: businesses wanted to run their own lease-to-own programs and keep the profits, but lacked the servicing infrastructure — lease decisioning, payment processing, collections — to do it efficiently.
We built a white-label servicing platform that lets any business fund their own leases, keep 100% of the leasing profits, and offload the operational complexity to us. For just a small percentage of each payment, we handle lease decisioning, automated collections, payment processing, and compliance — so our partners can focus on growing their business.
The name "Zo" comes from the Greek verb ζω, meaning "to live." We believe everyone deserves access to the things that help them live their best life — furniture, electronics, appliances, and more — regardless of their credit history.
Our Values
Partner First
Your success is our success. We build technology and provide service that drives measurable results for your business.
Responsible Lending
We believe in giving people access to the things they need while maintaining rigorous, responsible underwriting standards.
Innovation
We continuously invest in our technology to stay ahead — better algorithms, faster decisions, smarter risk management.
Transparency
No hidden fees, no surprises. We operate with complete transparency for our partners and their customers.