End-to-end lending lifecycle — BNPL, micro loans, payday, hire purchase, SME lending — from origination to collections to accounting.
Manage the entire application journey from submission to approval. Multi-channel intake, automated document handling, and priority queues keep your team fast and organized.
Every collection case surfaces the most effective next action. Prioritized queues, compliance rules, and AI-powered settlement calculations keep resolution rates high.
A unified view of every customer — applications, loans, payments, communications, and documents — all in one place with AI-powered intelligence.
A complete accounting system built into the platform. Automated GL mapping eliminates manual journal entries while real-time dashboards keep finance in control.
KPI dashboards, portfolio analytics, sector concentration analysis, and stress testing — all updated in real time. Export any report to CSV or PDF.
Beyond the core modules, Zotta includes a full suite of tools to run your lending operation end to end.
AI prioritization, SLA tracking, and workload awareness
Self-service applications, payments, documents, and chat
Concentration monitoring with risk heatmaps and stress testing
AI chatbot with intent classification and agent escalation
Merchant management, product catalogs, and rate calculators
10 roles, 54 permissions, MFA, and full audit trails
Zotta is designed for rapid deployment with minimal configuration.
Set up your credit products, fees, workflows, and compliance policies through the intuitive back office.
Connect WhatsApp Business, payment channels, and your accounting stack. API-first architecture makes integration seamless.
Go live with AI-first lending. Your team gets better recommendations from day one, improving with every interaction.
Get in touch to schedule a demo or learn how Zotta LMS can modernize your lending operations.
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