ZRS: How to strengthen your credit sales without slowing down your business growth. ZRS loans for individuals

Equipo de negocios revisando contratos de crédito con clientes en una oficina moderna, representando cómo ZRS protege las ventas a crédito.

Selling on credit can be a driver of growth for any business: it allows you to attract more customers, close larger deals, and compete on better terms. However, it also represents one of the highest risks: non-performing loans.

We Link's Zero Risk Score (ZRS) is a solution designed for companies that provide credit to individuals, whether in the form of direct loans, leases, or loans tied to specific purchases (such as cars, appliances, or services). Its goal is to ensure that the company receives payment, even if the customer defaults.

1. What is ZRS and how does it work?

ZRS is a specialized surety bond that protects companies that sell on credit. Unlike traditional credit insurance, ZRS focuses on transactions with individuals, making it a unique tool in the Mexican market.

The mechanism is simple:

1. Your company grants the credit or lease.

2. We Link, through ZRS, supports customer payment.

3. In the event of non-compliance, the guarantee kicks in and your company recovers what it owes.

   
   

2. Types of operations that ZRS protects

• Pure credits : direct loans to individuals.

• Leases : from cars to technological equipment or machinery.

• Consumer credit : specific purchases financed (example: household appliances, furniture, educational services).

  
  

In this way, ZRS adapts to diverse business models: financial institutions, leasing companies, retail companies, and more.

3. Advantages of ZRS over other guarantee schemes

• Guaranteed liquidity : avoid losses due to non-payments and maintain a healthy cash flow.

• Greater confidence to grow : You can extend more loans without fear of increasing risk.

• No capital ties up : Unlike guarantees such as deposits or letters of credit, ZRS does not require expensive collateral.

• Secure expansion : Allows you to reach more customers, especially in mass markets, without compromising financial stability.

  
  

4. Real cases where ZRS makes a difference

• Car rental companies : protect their portfolios against customers who stop paying.

• Retail stores : They sell appliances on installments, knowing that payment is guaranteed.

• Technology leasing companies : They secure contracts with startups or independent professionals who need equipment but lack a solid track record.

  
  

ZRS credits to individuals

Growth without risk control can be a recipe for failure. With ZRS , your company not only protects its portfolio but also positions itself as a more reliable and accessible provider for clients seeking financing.

At We Link , we help companies transform their credit sales into a secure expansion strategy. With ZRS, you can focus on growth while we take care of protecting your credit.