Access verified businesses, not cold leads.
Every merchant on ZenMe is verified through secure banking data, structured financial documentation, and AI-powered underwriting insights.
- Working Capital46%
- Growth Line32%
- Inventory22%
Deal flow, redefined.
Traditional broker submissions arrive incomplete, unverified, and inconsistent. ZenMe flips that.
Verified Financial Data
Every merchant profile comes with structured, banking-sourced data via Mastercard Finicity — no self-reported spreadsheets, no gaps.
Structured Underwriting Files
Applications arrive pre-formatted with the fields you need: cash flow shape, revenue trend, balance history, document set, and ZenScore.
AI-Enhanced Deal Insights
Uptiq AI powers the intelligence layer, surfacing signals like deposit stability, revenue momentum, and volatility flags on every profile.
Repayment-Ready Infrastructure
The Phase 2 platform is being built to support live repayment monitoring and structured feedback loops back into ZenScore.
Four steps to verified deal flow.
- 01
Apply
Submit a short partner application with your funding focus and target volume.
- 02
Verified
We verify your firm, product scope, and integration preferences.
- 03
Access Deal Flow
Receive verified merchant files with structured ZenScore-based insights.
- 04
Fund Deals
Underwrite and fund with a level of data quality traditional brokered flow can't match.
Where partnership starts — and where it's going.
Brokered submissions of verified merchant files
Right now, ZenMe operates as a brokered channel. Verified merchant profiles — complete with structured banking data, cash flow analytics, and ZenScore — are shared with approved funding partners for underwriting.
- • Verified banking data
- • Pre-structured underwriting file
- • ZenScore included in every profile
- • Direct communication with the ZenMe team
Marketplace SaaS — the full partner platform
The next phase of ZenMe is a full self-serve marketplace with a dedicated partner dashboard, portfolio analytics, ZenScore integration, live repayment monitoring, and API access.
- • Partner dashboard + portfolio views
- • Merchant discovery + advanced filters
- • Repayment tracking + performance analytics
- • API access for embedded workflows
The partner platform we're building.
These are the capabilities coming to the ZenMe partner platform. Early partners help shape them.
Merchant Discovery
Filter verified merchants by ZenScore, tenure, industry, and cash flow shape.
AI Risk Analytics
Volatility flags, overdraft frequency, and early-warning indicators surfaced automatically.
ZenScore Integration
Score-native filters, thresholds, and category breakdowns built into deal review.
Repayment Tracking
Live repayment status and structured feedback back into merchant scoring.
Portfolio Monitoring
Portfolio-level dashboards for volume, cadence, and concentration analytics.
API Connectivity
Programmatic access to verified deal flow, ZenScore data, and repayment events.
Become a funding partner.
Tell us a little about your firm. We review every application individually and typically respond within 2 business days.
Prefer to talk to us first?
Reach out and we’ll set up a call to walk through the partner experience.