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Become a Zelo affiliate

Join our affiliate network and earn commission by referring Zelo financing to your clients.
Become an Affiliate
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Program Overview

Earn additional income
Earn commissions and turn them into a steady source of revenue by referring and converting businesses to Zelo.
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Earn as clients grow
Manage your portfolio of clients while earning commissions that scale as the client’s facility sizes and business grows.
earn as client
Utilise one-time fee
Receive a one-time fee for every time we close a deal with a business through your referral.
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A thriving revenue stream.

become-partner
Join the program and become an affiliate.
refer and originate
Refer and originate businesses by referring Zelo financing solutions.
earn-commision
Earn up to 1.5% commission on every lead that becomes a client.

Every referral, an opportunity to earn and thrive.

There’s no upper limit on how much you can earn as a Zelo affiliate. Your earning potential is based on the volume of financing that your client obtains from us.
Estimate your potential earnings when you consistently refer and convert businesses.
# Note- Earnings are contingent upon your ability to generate leads that qualify Zelo's credit risk process and successfully obtains financing from Zelo.
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An opportunity to earn for businesses and individuals alike.

Earn more by connecting your clients or network to Zelo’s flexible financing solutions.
Become an Affiliate
Refer a business

Here’s what our affiliate have to say

“As a freelance CFO for high-growth startups, I often need capital partners who are flexible and fast. eFunder has been exceptional. I’ve referred three portfolio companies to them — all of whom secured financing in under 5 days. The best part? I get recognized for the referral without lifting the compliance burden.”

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Ayush Bhatia,
Fractional CFO | UAE

“As an advisor, I’m cautious about who I recommend. eFunder earned that trust — they handle clients with professionalism, offer competitive facilities, and always keep us in the loop. It’s refreshing to work with a partner that acts quickly and pays commissions reliably.”

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Ayush Bhatia,
Managing Partner, Leading Financial Brokerage | Abu Dhabi

“eFunder has become my go-to partner for invoice financing solutions. Their underwriting team understands the realities of growing businesses, especially in construction and logistics. I’ve closed four successful client referrals this quarter alone — with full transparency on commissions and fast feedback on every deal.”

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Ayush Bhatia,
Business Finance Broker | Dubai

“I’ve referred multiple SME clients to eFunder for invoice financing — and every time, their team has delivered beyond expectations. The turnaround is fast, the documentation is light, and the funding offers are tailored. It’s a win for my clients, and the referral program ensures I’m rewarded for the value I bring.”

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Ayush Bhatia,
SME Finance Consultant | Dubai

Financing questions? Let’s break it down.

Who can I refer?
As a Zelo affiliate, you can refer businesses that qualify for our financing solutions. These are businesses that:
  • Have an annual revenue that meets our eligibility criteria of AED 50,000 per month
  • Sell products or services to large corporates and government entities
  • Have outstanding invoices against which financing is required
If you know SMEs or enterprises that need better cash flow solutions, you can refer them to Zelo and earn commissions for successful deal closures.
How much commission can I earn?
There is no cap on the amount of commission you can earn with Zelo. Affiliates are rewarded based on successful deal closures, with a percentage of the arrangement fee value.
  • Arrangement fees typically range between 1% to 2% of the facility amount advanced to the client.
  • Zelo affiliates receive 50% of the arrangement fee as their commission per successful referral.
For example, if you refer a client who is approved for a AED 1,000,000 facility with a 2% arrangement fee, you would earn:AED 1,000,000 × 2% × 50% = AED 10,000
When will I earn my commission?
Zelo affiliates receive their commissions within 15 working days of a successful deal closure. A deal is considered closed once the financing facility has been disbursed to the referred client.
Will I earn recurring commissions for the referred customer?
Yes! Zelo believes in rewarding long-term success. Since our financing limits grow alongside our clients' businesses, our partners continue to earn commissions on facility upsizes.
For every facility increase that your referred client secures in the future, you will earn:
  • 0.3% to 0.5% of the additional facility size amount
  • This applies to any future upsized facilities for your referred client.
For example, if a client you referred initially secures an AED 1,000,000 facility and later increases their limit by AED 500,000, you could earn up to AED 2,500 more (0.5% of AED 500,000).
Is there a limit on the number of customers I can refer?
No, there is no limit on the number of referrals you can make. The more businesses you refer, the higher your earnings. Whether you refer one client or a hundred, you will earn commissions for each successful deal closed.
Is there an upper limit on the commission I can earn?
No, there is no upper cap on your commission earnings. However, Zelo maintains a fair and structured incentive policy:
  • All commissions are directly tied to successful financing deals.
  • Affiliates must ensure the referrals meet Zelo’s eligibility criteria.
  • Any misuse or misrepresentation of referrals may result in commission adjustments.
Our goal is to ensure that every partner benefits fairly while helping SMEs access growth financing efficiently.
How do I track my earnings?
You can log into the Zelo Affiliate Dashboard anytime to track your referrals, deal progress, and commissions earned. The dashboard provides:
  • Real-time status updates on the clients you referred.
  • A breakdown of commissions paid and pending payments.
  • Insights on upcoming potential earnings from future facility upsizes.
Our affiliate dashboard ensures full transparency and allows you to track your success in real-time.