Our Services

You fund your leases and keep all the profits. We provide the servicing infrastructure — credit, payments, collections — for a small percentage of each payment.

White-Label Platform

A fully customizable lease-to-own application portal that carries your brand identity. Your logo, your colors, your domain — customers interact with your brand at every touchpoint.

  • Custom branding & domain
  • Responsive web & mobile experience
  • Embeddable widgets for your website
  • Customer self-service portal
White-label dashboard platform with brand customization

Lease Decisioning Engine

Our proprietary underwriting technology evaluates applications in real-time. We go beyond traditional FICO scores to approve more customers while maintaining responsible risk standards.

  • Real-time instant decisions
  • Multi-bureau data analysis
  • Alternative credit data scoring
  • Configurable approval thresholds
Credit approval system with shield and verification

Payment Processing

Automated payment collection with flexible scheduling that works around your customers' pay cycles. ACH, debit card, and multiple payment method support.

  • ACH & card payments
  • Flexible payment schedules
  • Automatic retry logic
  • PCI DSS compliant
Payment processing with credit cards and digital transactions

Collections Management

Professional, compliant collections handled entirely by our team. From friendly reminders to resolution, we protect your customer relationships and your revenue.

  • Automated payment reminders
  • Multi-channel outreach
  • Regulatory compliance
  • Resolution & recovery
Collections management with calendar and notification system

Partner Analytics Dashboard

Real-time visibility into every aspect of your lease program. Track applications, approvals, revenue, customer behavior, and portfolio health from one intuitive dashboard.

  • Live application tracking
  • Revenue & portfolio reports
  • Customer behavior insights
  • Exportable data & API access
Analytics dashboard with charts and data visualization

API & Integrations

Seamlessly connect your existing systems with our RESTful API. We integrate with major POS systems, e-commerce platforms, and CRMs out of the box.

  • RESTful API with webhooks
  • Shopify, WooCommerce plugins
  • POS system integration
  • CRM & ERP connectors
API integration with connected systems and code

Ready to Get Started?

Let's discuss how Zo Leasing can be tailored to your business needs.