Innovating asset-backed lending
Future proof your asset-backed lending business by combining unparalleled asset intelligence with efficient back office automation.
Use Cases
Instant, configurable lending quotations
Digitise your pricing engine and process to quickly generate both fixed and utilisation-based financing quotes for different asset classes. Share quotes both in interactive and PDF formats, and track your customers' engagement with them.
Soon, implement your own credit decisioning engine, and let our AI evaluate borrower financial data and produce underwriting recommendations.
Robust, efficient invoice and payment automation
ZetiOS fully automates loan/lease servicing, streamlining your accounts receivable process. It calculates invoice amounts based on fixed repayment schedules or for variable utilisation-based contracts. It create interactive invoices in HTML format (with supporting PDFs), allowing clear explanation of different invoice charges. It promptly issues invoices according to channel preferences. It triggers payment collection according to contractual payment terms via leading payment processors, allowing funders to see real-time repayment progress with automatic retries in the event of payment failure. It exposes self-service portals for funders and borrowers to view historic invoices and payments for accounting purposes.
Live portfolio performance insight at your fingertips
View a snapshot of deal performance at any moment thanks to ZetiOS's dynamic calculations and projections. View an unrealised IRR figure based on historical and forecasted cash flows, both for fixed and variable finance contracts. Spot positive and negative performance trends in reports, and drill down into the driving factors at a granular, per-asset level.
Game-changing, multi-source asset intelligence
Revolutionise asset risk monitoring with ZetiOS's extensive asset data integrations. Thanks to asset telemetry, gather rich utilisation insights, understand asset condition by perceiving asset faults, incidents and issues in real-time and access live asset locations to accelerate asset reclaim in case of defaults. By combining industry-leading market value data with digitised loan/lease balances, understand real-time collateral adequacy. Monitor maintenance and tax status on assets via integrations to third-party services such as GOV.UK's MOT and Vehicle Enquiry Service.
Emission avoidance reported in real-time
Calculate emission avoidance from live telemetry data, rather than projections. Apply a saving per unit of usage (e.g. miles, working hours) to an asset's live meter (e.g. a vehicle odometer) to calculate CO2 emissions on an ongoing basis. Conduct advanced geospatial analysis on mobile assets by automatically visualising NOx emission savings onto a heatmap.
"We are thrilled to partner Zeti and deliver funding for zero-emission cars through an innovative pay-per-use model. We look forward to building on this collaborative model, working with Zeti to deliver financing solutions aligned to the use of the vehicles and continuing to help SME businesses in the UK to play their part in reaching net zero."
Matthew Bass
Head of Specialist Lending
Paragon Bank
Ready to future-proof your asset-backed lending business?
Join leading financial institutions using Zeti to power their asset finance operations.