Zest AI

We are Zest AI, a US-based technology company headquartered in Burbank, California. Since our founding in 2009, we've been driven by a singular mission: to make fair and transparent credit accessible to everyone. We believe that equitable access to credit can unlock better, richer, and fuller lives for all. That's why we've purposefully built our AI products to empower lenders with the tools to turn this vision into a reality for millions across the country. Our team is a collective of passionate, collaborative, and intelligent individuals with a strong bias for action and a deep sense of heart. We are dedicated to being a catalyst for economic equity by harnessing the power of AI for good, recognizing that every individual has worth and that lending decisions should reflect that fundamental truth.

We began our journey by perfecting the use of AI in credit underwriting. Today, our focus has expanded to encompass the entire lending ecosystem. Our suite of solutions includes AI-powered underwriting, robust fraud protection, insightful portfolio management, and LuLu, our customized Generative AI tool. LuLu is designed to assist lenders in making strategic business decisions and maintaining agility in an ever-changing economic landscape. We work with a diverse range of lenders, with a special emphasis on credit unions, to democratize underwriting automation and promote equitable credit decisioning. Our technology enables lenders to move beyond the limitations of traditional credit scores, identifying creditworthy borrowers who might otherwise be overlooked. We're proud that financial institutions using Zest AI have reported significant increases in approval rates, particularly for underrepresented groups who have historically been underserved by the financial system. We are committed to advancing education, strengthening communities, and improving lives through initiatives and partnerships aimed at fostering economic equality and validating individual worth.