ZAML For Commercial Lending

Grow your business with ZAML

ZAML® software and tools let you put advanced machine learning models into production quickly to improve your ability to segment good credit risks from bad.

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Achieving Safer Portfolio Growth

In a successful trial, Discover and Zest found that the inclusion of more data and more sophisticated math reduced default rates significantly with no  portfolio risk.

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Reach new customers

ZAML helps you make more accurate assessments of borrower risk across the credit spectrum and opens up new channels and markets by reducing the risk of making loans in areas where you have a limited track record.

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Automate more of your underwriting

ZAML enables higher levels of automation within credit underwriting and helps your staff to better prioritize their review time.

Reduce your risk 

ZAML tools help you build models with much higher precision so you can eliminate bad borrowers and slash charge-off rates while keeping approvals steady.

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Put your data to maximum use

ZAML tools help you maximize the value of your datasets by finding new sources of predictive power for underwriting. Outpace your competitors by incorporating thousands of variables to better assess risk.

Cut losses

Reduce losses and default rates by 20% or more

Find more good customers

Increase approvals by 15% or more

Price and assess risk better

Analyze the creditworthiness of each borrower with more predictability

Let’s Talk

Find out how we can expand your small business or commercial business.


Learn how consumer lenders like you are using ZAML to transform their underwriting

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