Pay As You Grow
Are you looking to grow your business but are not finding it financially possible now? Access up to 500k with Zotto, repayments are made 100% through a percentage of your card transactions that suits you.

Apply in Minutes
Use your future credit and debit card sales to raise a unsecured business loan, today.

Get your Funds in Days
You’ll receive the lump sum directly into your bank account to use on any business requirement.

Watch your Business Grow
You repay a small portion of your credit/debit card sales. Repayments are automatically processed and hassle-free.


No interest
The loan will be re-payed through your transactions, with no interest just a small charged fixed fee, making repayment easy and hassle free.

Receive Within 48 Hours
Payment is received within 48 hours of application for existing customers, merchants on-boarding with us only have to be transacting for a minimum of 4 weeks.



Let’s Grow
Lend up to 500k giving you a whopping 150% of your sales, without any Time-Consuming application process, apply within minutes for your business cash injection.