LuLu. Your Lending Intelligence Layer.

Optimize Your Origination Strategy.

LuLu turns questions into actionable next steps.

See the Platform

Curious what LuLu actually looks like in action? Click through our self-guided demo and see both LuLu Pulse and LuLu Strategy up close

Answering Your Questions

Security reviews. Compliance flags. Data questions. Vendor evaluations take time, and the back-and-forth slows everything down. We've done the work for you. Everything your legal, IT, and leadership teams need to evaluate LuLu with confidence is right here — transparent, thorough, and ready to share.

What is LuLu and what does it do?

LuLu is your lending intelligence layer. It empowers lenders with GenAI-powered intelligence to identify growth opportunities, mitigate risk, and increase operational efficiency by connecting your data and delivering answers in plain language

What makes LuLu different from other platforms?

Most platforms give you data. LuLu gives you transparent answers. With 100+ pre-built lending reports, 100M+ data points, and the ability to run complex simulations in plain language, LuLu is more accurate than general-purpose AI tools for lending use cases

How does LuLu maintain accuracy?

Accuracy is built into how LuLu is designed. It pulls only from verified sources, your data, Zest proprietary data, and approved public datasets, and surfaces citations and decision logic with every output. It has also been extensively tested, including through annual independent penetration testing and SOC 2 Type II audit coverage.

Is LuLu's output appropriate for use in loan decisioning?

LuLu is built with security at every layer. Your data is anonymized before it ever enters the LuLu application, encrypted in transit and at rest, and logically separated from every other client's data. No PII ever touches the platform, and your data is never used to train any underlying AI models.

What is included in the trial vs. a paid contract?

The free trial is the full LuLu experience. You get everything, reports, unlimited simulations, origination insights, and more. Nothing is locked behind a paywall or held back for paying customers.

Getting Started in Four Steps

No heavy integrations. No complicated IT projects. Here's exactly what the path looks like, from first conversation to first insight.

Step 1

Connect With Your Zest AI representative.

Ask questions, see a demo, and figure out if LuLu is a fit.

Step 2

Sign the Contract

Once you've signed, you're in. Take more than 90 days to sign up, and you'll be at the end of the queue.

Step 3

Data Gets Connected

MeridianLink and Zest coordinate on the backend so your data flows in automatically. No lift on your end.

Step 4

You're Live

Onboarding, training, and you're ready to go.

All About LuLu

LuLu isn't a dashboard. It isn't a report. It's a GenAI-powered lending intelligence companion that answers the questions your team is already asking — in plain language, in seconds. Watch to see it in action.