Brokers send us half-finished cases, and compliance spends the day chasing.
With ZenooEach case lists exactly what is outstanding. Missing documents are requested through the client portal, and quiet customers are reminded for you.
Lending · Business and asset finance
Approve the loan, not the paperwork.
Borrowers and the people behind them checked on one case, whether the application comes from a broker, your own team or your website. Zenoo reads the register, brings in your data vendors' results and asks only for what is missing. Your credit team sees a clean file.
30 minutes. Your data. No slides.
Works withCompanies HouseLSEGGBGLexisNexis
Who it is for
Business lenders, asset finance and specialist lenders.
Typical case
A company borrower, its directors and owners, often sent in by a broker.
What supervisors ask about
Beneficial owners, register discrepancies, and keeping checks up to date.
Sound familiar?
What we hear from lenders.
Every extra question up front loses us applicants.
With ZenooZenoo reads the register and the data you already hold first, so borrowers are only asked for what is genuinely missing.
Each market runs KYC its own way, on spreadsheets and email.
With ZenooOne case, one inbox and one record for every market, with the local data vendors each one needs.
Existing customers come back for a new facility and we start from scratch.
With ZenooThe structure and the last decision stay on the customer, so a returning borrower is reviewed, not rebuilt.
One case, start to finish
From broker submission to drawdown.
Follow one business borrower through Zenoo, from the broker's submission to the approval your credit team waits for.
PH
Penhallow Haulage LtdBroker submission · Company
Step 1 of 4Company recordActive, read from Companies HouseRead
DirectorsTwo, as declaredRead
Persons with significant controlTwo on the register, one declaredDiffers
PH
ChecksPenhallow Haulage Ltd · 3 parties
Step 2 of 4LSEGSanctions and PEP screening, 3 partiesClear
GBGIdentity, both directorsVerified
Proof of addressRequested through the client portalAwaiting client
AI
Zenoo suggestionsPenhallow Haulage Ltd
Step 3 of 4The register shows a second person with significant control the broker did not list. Suggest you add them and screen them.Companies House, broker submission
The trading address on the application differs from the registered office. Suggest you ask the customer to confirm.broker submission, Companies House
Nothing is cleared or added on its own.
PH
ApprovalPenhallow Haulage Ltd
Step 4 of 4Second ownerAdded and screenedVerified
Proof of addressReceived and filedVerified
Approve the fileNothing outstandingApproved
Product screens show fictional data.
Watch it work · 0:52
Your Inbox in under a minute. Most urgent first, with everything beside it.
Your Inbox in under a minute. Product screens show fictional data.
Where this fits
Every check you run, into one inbox.
The broker's application comes in through the API. Your screening and ID providers send their results to the same case, and anything that needs a person goes to the Inbox. Pick providers from the Marketplace, or bring your own.
Your checksFrom the Marketplace
My inbox0 done
- Screening hitViktor LindqvistDue 11:00
- Identity card is wrongSergei ValtrovToday
Zenoo suggests. You decide.
What the rules ask
What the rules ask of lenders, and where it lives in Zenoo.
| What the rules ask | Where it lives in Zenoo |
|---|---|
| UK MLR 2017, regulations 27 and 28Identify and verify the customer before you establish the relationship, and understand its purpose. | Identity, registry and screening checks run on one case, and nothing is approved while any check is still open. |
| UK MLR 2017, regulation 28For a business borrower, identify the beneficial owners and understand who controls it. | Owners and controllers are read from the register onto one structure and screened, people and companies alike. |
| UK MLR 2017, regulation 30ACheck the register, and report material discrepancies with what the customer told you. | What the broker or customer declared is compared with the register, and every difference is flagged for a person to review. |
| UK MLR 2017, regulation 28(11)Keep due diligence up to date for as long as the relationship lasts. | The structure and the last decision stay on the customer, and a change on the register lands in your inbox. |
| UK MLR 2017, regulation 40Keep records of the checks and the reasons for each decision. | Every decision, reason and change is kept in the case history with who made it and when, and nothing can be edited or removed. |
Last reviewed 21 October 2026. Each source links to the official text. A summary to help you compare, not legal advice. Your MLRO sets the policy. Zenoo runs it and keeps the record.
Zenoo AI
Zenoo suggests. You decide.
On a borrower's case, Zenoo reads the register, the submission and the screening results, and suggests the next step with its sources. A person makes every call.
A director on the submission is not on the register. Suggest you ask the broker to confirm.broker submission, Companies House
The director's date of birth differs from the list entry. Suggest you clear as a false positive.LSEG, application
Never clears a hitNever approves a caseNever passes a check
How Zenoo AI worksGetting live
What it takes from your team.
Your systems
How does it connect to what we have?
Send applications in through the API, or onboard customers through Zenoo's own journeys. Keep the data vendors you have, under your contracts, and add others from the Marketplace.
Browse the MarketplaceTime to live
How long until we are live?
Four to six weeks to production is typical, depending on your providers and systems. It starts with a demo on a case you bring, then a pilot on real cases.
How buying worksYour data
Where does our data live?
In the EU or US region, or on a dedicated UK tenant. Encrypted with AES-256 at rest and TLS 1.3 in transit. ISO 27001 certification is in progress.
Trust and securityQuestions
Lending KYC questions.
Do lenders have to follow the Money Laundering Regulations?
In the UK, lending is one of the activities the Money Laundering Regulations cover, so lenders apply customer due diligence to borrowers and the people behind business borrowers. Your MLRO decides how this applies to your business.
Can applications come in from brokers and from our own systems?
Yes. Applications arrive through the API, whether they start with a broker, your own team or your website, and each one becomes a case with the same checks.
Can we ask borrowers fewer questions?
Zenoo reads the register first, so borrowers are not asked for what is already there. Missing documents are requested through the client portal, and quiet customers are reminded for you.
Can we keep the data vendors we use today?
Yes. Zenoo runs checks with the providers you already use, under your contracts, and you can add local providers for other markets from the Marketplace.
Does Zenoo approve borrowers on its own?
No. Zenoo suggests the next step with its sources. A person clears every hit and approves every file, and both are on the record.
Does Zenoo make the credit decision?
No. Zenoo covers the compliance checks on the borrower and the people behind it. Your credit process stays your own.
You
Tomorrow, your case
Bring us a broker case that stalled.
We'll run it from submission to approval while you watch.
30 minutes. Your data. No slides.