Everything You Need to Run Your Own Lease Program
You fund the leases and keep the profits. We provide the servicing infrastructure for a small percentage of each payment.
100% White-Label
Your brand, your profits, your customer relationship. Our servicing platform runs invisibly behind the scenes with fully customizable interfaces.
Instant Credit Decisions
Our proprietary underwriting engine delivers real-time approvals for your lease program. Higher approval rates mean more sales for your business.
Full-Service Collections
We manage the entire payment lifecycle — automated reminders, flexible schedules, and professional collections so you never have to.
Real-Time Analytics
Comprehensive dashboards give you and your teams full visibility into applications, approvals, payment performance, and revenue.
Easy Integration
RESTful APIs and ready-made plugins let you integrate lease-to-own into your existing e-commerce or POS systems in days, not months.
Bank-Level Security
SOC 2 compliant infrastructure with end-to-end encryption. Your customers' data is protected with enterprise-grade security.
Launch in Three Simple Steps
Getting started is fast and friction-free.
Partner Onboarding
We configure your white-label servicing platform with your branding, products, and terms in as little as one week.
Customer Applies
Your customers apply directly on your branded portal. Our engine delivers instant credit decisions.
You Fund, We Service
You fund the approved leases and keep all the leasing profits. We handle collections, payment processing, and customer support for a small servicing fee.
Trusted by Businesses Nationwide
Our partners keep the leasing profits that traditional leasing companies take. We charge only a small servicing fee per payment.
What Our Partners Say
"With Zo Leasing we keep all the leasing profits that used to go to third-party finance companies. Their servicing platform handles everything — credit, payments, collections — for a fraction of what we were paying before."
"We fund our own leases now and the profit difference is massive. Zo's platform handles all the servicing so we don't need a big back-office team. It feels completely native to our brand."
"Integration was seamless and we were live within a week. Now we control our own lease portfolio and keep the revenue — Zo just takes a small cut per payment for the servicing. It's a game-changer."