Underwrite and monitor loans against what's actually happening to the asset
Future-proof your asset-backed lending business by combining live asset intelligence with efficient back-office automation — instead of underwriting on projections and finding out what really happened months later.
Improvement in financial returns
Admin time drops when billing and reconciliation run off live asset data instead of static paperwork.
Reduction in manual admin
Returns improve when financing decisions are grounded in what's actually happening to the asset, not a paper file.
Use cases for funders
Your end-to-end origination engine
Manually chasing origination opportunities, structuring deals from scratch and building bespoke pricing for every asset class slows deal flow and adds risk.
ZetiOS digitises your pricing engine so you can generate both fixed and utilisation-based finance quotes in minutes, share them as interactive or PDF documents, and track how customers engage with them — all sourced through Zeti's Commercial team across a broad network of mobility and energy operators.
Soon, implement your own credit decisioning engine and allow our AI to evaluate borrower financial data and produce supplementary underwriting advice.
Robust, efficient invoice and payment automation
Manual accounts receivable work, chased payments and reconciliation by spreadsheet mean you find out about a missed repayment long after it happened.
ZetiOS fully automates loan and lease servicing. It calculates invoice amounts against fixed repayment schedules or variable utilisation-based contracts, creates interactive HTML invoices with supporting PDFs that explain individual charges, issues them promptly through your preferred delivery channels, and triggers collection in line with contractual payment terms via leading payment processors — with automatic retries on failure and real-time repayment progress.
ZetiOS also provides self-service portals for funders and borrowers to view historic invoices and payments for accounting purposes.
Live portfolio performance insight at your fingertips
Deal performance reconstructed at quarter-end from static reports tells you where the portfolio was, not where it is.
View a snapshot of deal performance at any moment, powered by ZetiOS's dynamic calculations and projections. Access unrealised IRR figures based on historical and forecast cash flows for both fixed and variable finance contracts.
Identify positive and negative performance trends through reporting and drill down into the underlying drivers at a granular, per-asset level.
Game-changing, multi-source asset intelligence
Monitoring collateral you cannot see means risk decisions rest on a depreciation curve and a customer's word about how the asset is being used.
Transform asset risk monitoring through ZetiOS's extensive asset data integrations. Using asset telematics, gather detailed utilisation insights, understand asset condition by identifying faults, incidents and issues in real time, and access live asset locations to accelerate asset recovery in the event of default.
By combining industry-leading market value data with digitised loan and lease balances, assess real-time collateral adequacy. Monitor maintenance and tax status through integrations with third-party services, including GOV.UK's MOT and Vehicle Enquiry Service.
Emissions avoidance reported in real time
Emissions figures modelled from projections at the point of financing will not stand up to an LP's or regulator's scrutiny.
Calculate emissions avoidance using live telemetry data rather than projections. Apply savings per unit of usage, such as miles or operating hours, to an asset's live meter, for example a vehicle odometer, to calculate CO₂ emissions on an ongoing basis.
Conduct advanced geospatial analysis on mobile assets by automatically visualising NOₓ emissions savings on a heatmap.
Eliminate collection risk. Accelerate payments. Reconcilliation made easy.
ZetiOS eliminates the additional risk created when end-user payments pass through your client’s operating account in undisclosed arrangements.
Our payment rails collect each end-user payment directly and automatically split it according to the obligations of the individual contract, settling debt-service payments while distributing the remaining funds to your client and other service providers. No holding accounts.
Customisable transaction descriptors preserve your client’s relationship with the end user and maintain the undisclosed funding structure. Meanwhile, contract-level reporting provides clear visibility into every collection and payout, replacing bulk payouts and aggregated reconciliation reports. This helps you identify delayed payments earlier, spend less time on reconciliation and shorten the debt-servicing cycle from an average of 45 days to less than eight days.
Financing the future of clean transportation
Hear how Dollaride, Chestnut Run Capital Partners and Zeti are using transparency and real-time asset data to reshape clean transportation finance.
“We are thrilled to partner with Zeti and deliver funding for zero-emission cars through an innovative pay-per-use model. We look forward to building on this collaborative approach, working with Zeti to deliver financing solutions aligned to vehicle usage, and continuing to help UK SMEs play their part in reaching net zero.”
Matthew Bass
Head of Specialist Lending
Paragon Bank