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Lending & fintech · Zoho partner in the USA · Los Angeles

Loan origination and servicing on Zoho, built for US lenders

One loan file that the borrower, the processor and the underwriter all work from.

We’re a certified Zoho Advanced Partner in Glendale, in the Los Angeles area, and we build the systems non-bank lenders and fintech teams run on: applications from partners and your website, a borrower portal for documents, underwriting steps nobody can skip, e-signed agreements, funding records and the servicing that follows.

Book a lending systems call Build a sample loan pipeline
Zoho Advanced PartnerCertified Zoho consultants for lenders
You’ll talk to our senior team, not a call center.300+ projects · serving US clients since 2025

01Which one are you?

Which kind of lending or fintech business are you running?

A point-of-sale lender and an insurance agency both chase signatures and documents, but the record at the center of their day is different. Pick the closest match and we’ll show how Zoho bends around that record, whether it’s a loan, a payment account, a client household or a policy.

02The paper trail, without the paper

What happens between “apply now” and a funded loan?

Seven hand-offs, and each one leaves a stamp an examiner could ask to see later. Scroll down the trail: every sheet names the Zoho apps doing the work at that point and what gets recorded before the file moves on.

  1. Sheet 1

    Application lands

    A merchant partner posts the application through an API, a borrower fills in the web form, or a loan officer keys in a phone call. All three open the same loan record with the source tagged, so nobody has to ask where a file came from.

    Zoho CRMZoho FormsZoho Flow

  2. Sheet 2

    Documents come in

    The borrower gets a portal link by text and uploads ID, pay stubs or bank statements from a phone. Anything still missing after two days triggers a reminder on its own. AI (now also called SI, super intelligence) can read a pay stub and propose the income figure for a processor to accept or fix.

    Zoho CreatorZoho WorkDrive

  3. Sheet 3

    Identity and income checked

    Your verification and credit providers answer through their APIs, and the results write back to the loan record with a timestamp. The processor sees pass, refer or fail next to the document it relates to.

    Zoho CRMREST APIs

  4. Sheet 4

    Underwriting decides

    Blueprint in Zoho CRM holds the order: a file can’t reach approval with a failed check, and anything above an underwriter’s limit routes to a second approver. Declines carry the reason codes your adverse action letter needs.

    Zoho CRM Blueprint

  5. Sheet 5

    Agreement signed

    The loan agreement and the disclosures fill from the approved terms and go out for e-signature in a set order. The signed PDF and its certificate attach to the loan record the moment the last signer finishes.

    Zoho Sign

  6. Sheet 6

    Money goes out

    Funding staff confirm the disbursement, and the amount, origination fee and funding date post to your books. Partner payouts for point-of-sale loans are logged against the merchant the same day.

    Zoho Books

  7. Sheet 7

    Servicing takes over

    Borrower questions become tickets with the loan attached, payment reminders go out before each due date, and the sales team can see repayment history when the borrower comes back for a second loan.

    Zoho DeskZoho Analytics

03Loan pipeline builder

Sketch your loan pipeline before anyone builds it

Choose a loan product, switch stages on or off and tick the documents you collect. The preview lays out the Zoho CRM pipeline we’d start from, with each document parked at the stage that asks for it and the app behind every step.

Loan product
Stages
Documents you collect

0 stages · 0 documents · 0 automatic reminders

Sample pipeline

    Apps this pipeline uses

      Copies your pipeline into the contact form below.

      04Recommended Zoho stack

      Which Zoho apps does a lender need at each size?

      Fewer than most people expect at the start. A five-person lending shop can run on three apps. The list grows when partners send volume through an API, when borrowers need their own login, and when you operate under licenses in several states and need reporting by state.

      05US lending rules

      Does Zoho help with lending compliance in the US?

      It helps you prove what happened, which is most of what an exam asks for. Zoho records who changed a field and when, holds signed documents with their certificates, and limits who sees borrower data. It doesn’t decide what your disclosures say or which states you can lend in. Those calls belong to your compliance officer and counsel.

      What we configure in Zoho

      • State licensing. NMLS and state license numbers stored per officer and per state, and applications routed only to someone licensed where the borrower lives.
      • Locked steps. Blueprint stages that require the checks your policy lists before approval opens up.
      • Decline reasons. Picklists of reason codes on every decline, ready for the adverse action notice your counsel writes.
      • Contact consent. Recorded opt-in before any text or autodialed call, with the date and the form it came from.
      • Who sees what. Roles and field permissions so a partner sees status only and SSNs stay masked for most staff.
      • Audit history. Field change history on loan records and the signing trail from Zoho Sign, kept with the file.

      What stays with your compliance team

      • Wording of TILA disclosures, privacy notices and adverse action letters under ECOA and FCRA
      • Which states you hold licenses in and what each license lets you offer
      • Your written information security program under the GLBA Safeguards Rule
      • Rate, fee and usury limits for each state you lend in
      • Record retention periods and when a file can be destroyed
      • Final sign-off on every template and rule before go-live

      We document every permission and rule in the BRD so your compliance officer can review it line by line. Elite Tech Global is a Zoho implementation partner, not a law firm, and we don’t certify a system as compliant.

      06Switching to Zoho

      Moving your loan files off Salesforce, HubSpot or spreadsheets

      Lenders rarely start from nothing. Open loans, signed agreements and years of borrower history have to arrive intact, and the old tool stays read-only until you’ve checked the move. Pick what you run today.

      Comes across
      Accounts, contacts, opportunities used as loans, custom loan objects, notes and attached files
      Lands in
      Zoho CRM modules for borrowers, loans and partners, with Blueprint replacing Flows and validation rules
      Watch for
      Apex triggers that quietly enforce lending rules. We list each one and rebuild it on purpose.
      Read the Salesforce to Zoho CRM plan →

      07Licence cost

      What do Zoho licences cost a lending team?

      For a lender, the usual set is Zoho CRM Enterprise at $40 per user, Zoho Creator Professional at $20 per user, Zoho Sign Professional at $16 per user and Zoho Books Professional at $40 per organization, monthly on yearly billing. Zoho One bundles all of them from $37 per employee. Move the sliders to see which costs less for your headcount.

      Only the apps you need

        $0a month

        Lower cost

        Zoho One

          $0a month

          Lower cost

          Zoho list prices for US accounts, in dollars, before sales tax. Monthly billing: CRM Enterprise $50, Creator Professional $30, Sign Professional $20, Books Professional $50, Zoho One $45 per employee or $105 per flexible user. Borrower and partner logins on a Creator portal are licensed by portal headcount, so we price that line separately once we know how many borrowers sign in each month.

          08Three starting points

          Zoho packages for lenders, from first pipeline to full servicing

          Each package picks up where the last one ends on the paper trail above. You can start small and add the next stage later without rebuilding what’s already live.

          1. Origination Desk

            For lenders leaving spreadsheets or a generic sales CRM

            • Loan, borrower and partner modules in Zoho CRM
            • Application forms with uploads and source tracking
            • Blueprint underwriting steps and decline reasons
            • Loan officer and processor training

            Fixed fee, written into the signed BRD before the first loan field exists.

          2. Most lenders start here

            Portal & Partners

            For teams with merchant or broker partners and borrowers who want to log in

            • Everything in Origination Desk
            • Zoho Creator borrower portal with document reminders
            • Partner API intake and status updates back to partners
            • Zoho Sign agreements filled from approved terms
            • AI / SI document reading, reviewed by a processor

            The BRD you sign fixes our fee and names every partner feed in scope.

          3. Funded & Serviced

            For lenders keeping servicing and reporting in-house

            • Everything in Portal & Partners
            • Zoho Books funding, fee and payout records
            • Zoho Desk for borrower service and hardship requests
            • Zoho Analytics funnel and state-by-state reports

            One fee, fixed in a signed BRD that also dates the servicing hand-off.

          The first call with us is free. Lenders with several partner integrations or a book to migrate usually need a paid scoping step first, and we tell you that price before it begins.

          09Client work in lending

          LendingUSA, consumer financing

          Zoho CRM at the center, with Forms, SalesIQ, Bookings, Flow, Creator and Desk connected to it.

          Logo and story shared with LendingUSA’s permission. The flow is simplified here, because a client’s exact setup is kept confidential.

          Read the case study →

          10How we start

          Four steps before a lender’s first live application

          We test with sample loan files your team makes up, never live borrower data, until you approve the build. Real applications only start flowing on the go-live date written in the BRD.

          1. Discovery callYour products, states, partners and the tools holding loans today.
          2. Scope and BRDStages, documents, roles and integrations signed off in writing.
          3. Build and testSample files run end to end, from application to funded.
          4. Go live and trainOfficers, processors and underwriters trained on their own screens.
          See the full project track →

          11Lender questions

          Questions US lenders ask about Zoho

          Origination, portals, partner APIs, state licensing and where borrower data lives. If yours is about a specific loan product, bring it to the call.

          Ask on a lending systems callWork out your licence cost →

          Can Zoho CRM work as a loan origination system?

          For most non-bank lenders, yes. We add loan, borrower and partner modules to Zoho CRM, use Blueprint so underwriting steps happen in order, collect documents through a Zoho Creator portal and send agreements with Zoho Sign. Lenders with heavy payment schedules or interest accrual often keep a dedicated servicing platform and connect it to Zoho.

          How much does Zoho cost for a lending company in the US?

          A typical lending setup is Zoho CRM Enterprise at $40 per user, Zoho Creator Professional at $20 per user, Zoho Sign Professional at $16 per user and Zoho Books Professional at $40 per organization, each per month billed yearly. Zoho One includes all of them for $37 per employee per month when every employee is licensed. Our setup work is a fixed fee agreed in a signed BRD.

          Will Zoho make us compliant with TILA, ECOA or GLBA?

          No software does that on its own. We configure access roles, masked fields, locked approval steps, decline reason codes, consent records and audit history so you can show what happened on each file. Your compliance officer and counsel decide the rules and approve every template before go-live.

          Can borrowers upload documents and track their loan in a portal?

          Yes. We build the borrower portal on Zoho Creator: borrowers sign in, see which documents are still needed, upload them from a phone and follow the status of their file. Missing items trigger text or email reminders without anyone on your team sending them.

          Can merchant or broker partners send applications to Zoho by API?

          Yes. Partners can post applications to Zoho CRM through its REST API or through Zoho Flow, and we can send status changes back to the partner so their staff stop calling to ask. Each partner feed is listed and scoped in the BRD.

          Can we route applications only to loan officers licensed in the borrower’s state?

          Yes. We store each officer’s NMLS ID and state licenses in Zoho, and assignment rules send an application only to someone licensed in the state the borrower lives in. If nobody licensed is available, the file waits in a queue for a manager.

          Can Zoho handle loan servicing and collections?

          Zoho Desk handles borrower questions, hardship requests and payoff letter requests, Zoho Books records payments and fees, and CRM workflows send reminders before due dates. Amortization and interest calculation usually stay in a servicing platform, which we connect so both systems agree.

          Where is borrower data stored on Zoho?

          Zoho accounts created for US companies on zoho.com are hosted in Zoho’s US data centers. When document volumes are very large or your policy asks for your own storage, we keep files in an AWS account you own and link them to the loan record.

          Can we move from Salesforce Financial Services Cloud to Zoho?

          Yes. We map accounts, contacts, opportunities and any custom loan objects to Zoho CRM modules, bring attached files across and rebuild Flows and Apex rules as Blueprint and workflows. Your Salesforce org stays read-only until you confirm the move.

          How long does it take to set up Zoho for a lender?

          It depends on how many loan products, partners and states are in scope and how much history moves. Every step gets a date in the signed BRD, including testing with sample files and the go-live day, so the timeline is fixed before we build.

          Do you work with fintech startups or only established lenders?

          Both. Startups often begin with Zoho CRM, Forms and Sign and add portals and partner APIs as volume grows, while established lenders usually come to us replacing Salesforce or an older loan system. We meet online with teams across the US, Canada and Latin America.

          What is SI?

          SI stands for super intelligence. In September 2026 a US executive order asked federal agencies to use “super intelligence” or “SI” in place of “artificial intelligence” in official communications. Most businesses still say AI, so we use both terms.

          12Let’s talk

          Tell us what you’re building. We’ll map the fix.

          Book a free consultation with Elite Tech Global. We review your Zoho, AWS, Shopify or WordPress setup, show where AI / SI agents can save time, and agree the next step. If we work together, every requirement and a fixed price go into a signed BRD before the build starts.

          Real people, one team. Led by co-founders Ikramul Karim and Khris Kakosimidi, and a 40+ member team across Zoho, AWS and AI.

          Get your free consultation

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