Purchase Now Pay Later

Improve your cash flow by paying for your raw material from your card sales.
£1,000 - £50,000 available.


No hidden fees.
Interest? Never.

Using ZOTTO FLAIR CARD, purchase your raw material today and pay it back in 6 months, from your daily card sales.

The ZOTTO purchasing cash advance is designed to provide much-needed working capital to your business no matter their credit score. We’ve helped thousands of small businesses across the UK & EU to fulfil their business ambitions.

Merchants of all sizes and types are welcome. To open a merchant account online, simply fill in our application form and leave the rest to our team of experts!

Easy To Start

Simply use ZOTTO FLAIR Card

Apply for your ZOTTO Flaire card today!

And start purchasing from one of our partner suppliers today.

Registered Company

  • You must be a limited company or sole trader based in the UK.
  • You must have a minimum monthly turnover of £ 5,000.

Need A Partner Supplier

  • You must be using one of our partner suppliers or provide us details of your supplier and we will contact them to provide you credit.

Your business qualifies

  • You are an existing ZOTTO customer or once you are approved, you have to sign 24 months, payments and Banking services agreement with Zotto.

How To Start

  • Fill the below form, our sales will contact you within 24 hr.
  • Tell us about you and your business, along with providing all the necessary documents.

Decisions within 24 hours

Under normal circumstances, rest assured that ZOTTOwill provides quick financing to move your business forward. We aim to give you a decision within 24 hours.

Make effortless repayments

Your Purchasing cash advance is automatically paid back at an agreed percentage from your daily Cards sales.

You make repayments at the pace of your business.

Improve your CASH FLOW BY 50%!

Buy your raw material today and pay for it every time you sell, from your card sales.

  • You make repayments at the pace of your business.
  • If for some reason your business slows, your repayments are also slowed down. 
  • The percentage deducted from daily sales is a mechanism that ensures the journey to repayment is simple and seamless.


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Keep up to date with the latest in finance technology and gain insight into how to make the most of the entire range of ZOTTO products and services. Our team are always one step ahead of the industry and provide regular updates to help you make the most of the latest in business technology and the opportunities it represents for you.

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