We've automated most of the underwriting process so most applicants get a decision signal in minutes, not weeks. Here's what to expect.
Plaid is a bank-connection provider used by most major fintech apps. You enter your bank credentials directly into Plaid's secure interface — Zulcom never sees or stores them. We only receive verification results (identity match status, account balance/income summaries).
We don't currently pull consumer credit bureau reports. Instead we verify identity and bank-linked financial data via Plaid, which is faster and avoids a hard inquiry on your credit file.
Some applications can't be automatically fast-tracked — for example if identity verification is inconclusive or financial data is unavailable. These are reviewed by a person; you'll still see status updates on your dashboard.
Business and ownership details are stored securely and are only visible to your account and Zulcom's underwriting process. See our Privacy Policy for details.
Provide your business operational details below.
We use Plaid to securely verify the identity of your business's primary controlling person. This replaces manually typing a Social Security Number into a web form.
Click below to start identity verification. This opens a secure Plaid window.
Linking a bank account lets us automatically verify available balance and income instead of running a traditional credit bureau pull.
Click below to securely connect your business bank account through Plaid.
Your application is in and automated verification is processing now. You don't need to keep this page open — we'll update your status automatically, and you can check back anytime.