Smarter SME Lending
Origination, Powered by AI
Identify high-intent SME borrowers, enrich credit-relevant context, and help lending teams move from prospecting to pipeline faster.
ML-powered scoring against your lending criteria — revenue, sector, charge history, growth signals.
Identifies FDs, CFOs, and owners with borrowing authority at every qualified company.
Signal-specific messages — charge renewals, growth events, refinance windows — personalized per contact.
You're paying brokers to own relationships that should be yours.
Broker fees compound forever
1–2% arrangement fees, year after year, on borrowers your team never spoke to directly. Every deal renews the dependency — and the cost.
You don't own the relationship
Brokers decide when to submit, who to submit to, and how your product is positioned. You get applications, not relationships. They can switch you off tomorrow.
No channel you own
If the broker panel changes, your deal flow stops. You've built no direct origination muscle, no data, no repeat borrower base. Nothing compounds.
"Broker fees were becoming a structural cost. The opportunity was there — we just didn't have the infrastructure to originate directly. Zorro gives us that infrastructure."
Deploy managed origination agents. They run. You lend.
We encode your lending criteria
Sector preferences, deal size, geography, risk appetite, excluded industries. Zorro maps your underwriting model into agent scoring — lending-specific propensity models.
Custom ML models score the UK market
Three proprietary ML models: Market Need, Apply Propensity, and Lender Fit. Updated daily across 5M+ companies. Who will seek finance, who will apply, who fits your book.
Agents reach borrowers directly
Contact Selector identifies the decision-maker. Writer agent drafts a personalised message referencing the specific signal — charge renewal, revenue growth, fleet expansion.
Responses route to your team
Warm replies land in your inbox — from borrowers who've already shown interest, already been qualified, already received context about why you're reaching out.
Models retrain on your applications
Connect your CRM. Every application, approval, and decline updates your custom ML models. Month 6: no broker knows your market better.
Not a database. A scoring engine that learns your book.
Most data providers sell static lists. Zorro deploys three ML propensity models — and as you connect your CRM, they become custom models trained on your actual deal history.
Will they seek finance?
Logistic Regression + XGBoost ensemble. Trained on charge history, revenue trajectory, sector seasonality, company lifecycle signals. Predicts finance-seeking intent 3–6 months ahead.
Will they apply to you?
Scores likelihood of application, not just need. Factors in creditworthiness, prior lender relationships, CCJ history, director profile. Filters out companies that will apply but not qualify.
Are they right for you?
Custom per lender. Connects to your CRM to retrain on your approved and declined applications. Month 3: your model knows your book. Month 6: it outperforms any generic credit score.
Month 1 is good. Month 6 is a moat.
Baseline deployed
Pretrained models deployed against your criteria. First companies found. First outreach sent via agents. You see what the market looks like at your lending criteria.
Pattern emerges
CRM connected. Models retrain on your first applications. The system learns which signal combinations predict applications for your specific product.
Proprietary channel
A direct origination channel trained on your deal history. Custom ML model no competitor can replicate. Full relationship ownership. Data that compounds forever.
Deploy agents. Cancel the contracts.
Arrangement fees, panel management, relationship maintenance. All for introductions to borrowers who should be yours.
Headcount for outreach, follow-up, relationship management. Work that doesn't scale. AI agents do this at any volume, 24/7.
Creditsafe, Dun & Bradstreet, Experian. Static databases that tell you who exists, not who needs your product right now. Included in Zorro.
Paid leads that expire, convert poorly, and reach your competitors at the same time. Agents generate unlimited qualified targets.
See how Zorro fits your lending criteria
Get a walkthrough tailored to your market, borrower profile, and origination process.