Capture the $42B Ethical Finance Market

White-label platform enabling banks to offer interest-free auto financing while generating higher margins through service-based revenue sharing.

Superior Economics, Lower Risk

Transform your auto lending portfolio with better unit economics

📈
Superior Unit Economics
Avg. revenue per loan$0

vs. $2,400 traditional interest

Revenue Advantage75%
Higher profit margins+0%

through premium service profit-sharing

Lower default rates0.0%

vs. 3.2% industry average

Default Rate Reduction41%

De-risk portfolio with larger down payments (30-40% vs. 10-20%)

🎯
Untapped Market Access
Addressable market$0B

Growing 15% annually in US interest-free financing

Annual Growth Rate15%
Potential consumers0M

Including 12M+ ethical finance seekers

✓42% of ethical finance seekers report difficulty accessing interest-free financing
✓First-mover advantage in rapidly expanding segment
⚙️
Complete Infrastructure Integration
✓White-label solution under your bank's brand
✓API integration with existing loan origination systems
✓Automated underwriting and compliance workflows
✓Real-time dashboards for portfolio management
🛡️
Risk Mitigation Built-In
✓Larger down payments reduce LTV exposure
✓Premium service guarantees create additional revenue streams
✓Diversified dealership network minimizes concentration risk
✓Full compliance automation (TILA, ECOA, Shariah certification)

Economics Comparison

Side-by-side comparison shows superior profitability

Traditional Auto Loan
Standard interest-based lending
Loan amount$0
Interest rate6.5% APR
Term60 months
Bank revenue$0
Interest income
Net Bank Profit$0
46% margin
Default rate0.0%
ZeroFi Interest-Free Loan
Service-based revenue model
Recommended
Loan amount$0
Interest rate0% APR
Term48 months
Bank revenue$0
Service profit-sharing
Net Bank Profit$0
59% margin
Default rate0.0%

Result: 33% higher profit per loan with lower default risk

Why Choose ZeroFi

Built for modern banking with ethical finance principles

Enterprise-Grade Technology
✓White-label solution under your brand
✓API integration with existing systems
✓Automated compliance workflows
✓Real-time portfolio dashboards
Revenue Optimization
✓Service-based profit sharing model
✓Higher margins than traditional loans
✓Lower default rate projections
✓Reduced LTV exposure
Market Access
✓$42B addressable market
✓20M+ potential customers
✓15% annual market growth
✓First-mover advantage

Onboarding Process

From integration planning to full deployment in 6-7 weeks

Week 1-2
Integration Planning
•Technical scoping session
•Revenue model configuration
•Compliance documentation
Week 3-4
Platform Configuration
•API integration and testing
•White-label branding
•Staff training
Week 5-6
Pilot Launch
•Soft launch with 2-3 dealerships
•Real-time monitoring
•Feedback loop optimization
Week 7+
Full Deployment
•Network expansion
•Marketing co-investment
•Ongoing optimization

Enterprise-Grade Compliance & Security

Regulatory Compliance
✓Full TILA and ECOA compliance automation
✓Shariah certification from Islamic scholars
✓SOC 2 Type II certified infrastructure
✓Regular third-party security audits
Data Security
✓Bank-grade encryption standards
✓Multi-factor authentication
✓Secure API architecture
✓24/7 security monitoring
Industry Standards
✓Built for enterprise banking
✓Scalable cloud infrastructure
✓99.9% uptime SLA
✓Disaster recovery protocols

Ready to Transform Your Auto Portfolio?

Schedule a revenue analysis to see the impact on your institution

Schedule Revenue Analysis