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Email
support@ziqolink.space -
Address
1600 Amphitheatre Parkway, Mountain View, CA 95349, USA.
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Phone
+440124578576
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Empower your dreams with our Ziqo Finance flexible loan options !
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About
Empowering Financial Freedom and Trusted Solutions
We are committed to helping you achieve your financial goals and dreams. Our loan services are designed to provide you with the support and resources you need to take control of your finances and embark on a path towards prosperity.Our experienced team of financial experts is dedicated to understanding your unique needs and finding the best loan solutions that align with your goals. Whether you're looking to fund a new business venture, consolidate debt, purchase a new home, or cover unexpected expenses, we've got you covered.
About Us
Feature
Unlocking the Power of Our Loan Features
We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.
- Flexible Repayment : Customize your loan with easy payment plans.
- Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
- Quick Approval Process: Get funds swiftly with fast approvals.
- No Hidden Fees: Transparent loan terms, no surprises or extras.
- Loan Assistance: Our team is here to guide and support you.
24/7 Support
Flexible Repayment : Customize your loan with easy payment plans.
Low Cost
Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
Featured Plans
Secure your dreams with our empowering featured loans
Business Loan
Only for Business Man-82%
Interest Rate- Take Minimum Tk50,000.00 BDT
- Take Maximum Tk1,000,000.00 BDT
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 18
Service/Job Loan
Only for Job Holder-85.6%
Interest Rate- Take Minimum Tk10,000.00 BDT
- Take Maximum Tk100,000.00 BDT
- Per Installment 1.2%
- Installment Interval 30 Days
- Total Installment 12
General Loan
Only General Man-92.2%
Interest Rate- Take Minimum Tk10,000.00 BDT
- Take Maximum Tk100,000.00 BDT
- Per Installment 1.3%
- Installment Interval 30 Days
- Total Installment 6
Student Loan
Only For Student-91%
Interest Rate- Take Minimum Tk5,000.00 BDT
- Take Maximum Tk50,000.00 BDT
- Per Installment 1.5%
- Installment Interval 30 Days
- Total Installment 6
110+
Country Wide
1K+
Happy Client
195
Winning Awards
$8M+
Total Loan
FAQ
Frequently Asked Questions
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To answer "Why should you take a loan from our platform?" effectively, here’s a professional, persuasive outline you can adapt based on your brand or service:
💡 Why Choose Our Loan Platform?
✅ 1. Fast & Easy Approval
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Quick application process—get approved in minutes.
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Minimal paperwork, with digital submission and verification.
✅ 2. Flexible Loan Options
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Personal, business, education, or emergency loans.
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Customizable loan amounts and repayment terms to fit your needs.
✅ 3. Lowest Interest Rates
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Competitive interest rates with no hidden charges.
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Transparent fee structure—what you see is what you pay.
✅ 4. Secure & Trusted
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Your data is protected with advanced encryption and privacy standards.
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Trusted by thousands of satisfied customers across the country.
✅ 5. Instant Disbursement
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Loan amount credited directly to your mobile wallet or bank account—fast and hassle-free.
✅ 6. Customer Support That Cares
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Dedicated support team available via phone, chat, or email.
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Guidance throughout the loan journey—from application to repayment.
✅ 7. No Collateral Needed (for most loans)
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Unsecured loans available—ideal for salaried individuals, students, and small businesses.
Would you like me to write a tailored version for your website or marketing brochure? Just let me know what kind of loans you offer and your brand name.
Whether installments are easier with a specific lender depends on several factors like interest rate, tenure, flexibility, and fees. Here's a breakdown to help you evaluate:
✅ What Makes an Installment "Easier"?
| Factor | How It Affects Ease of Repayment |
|---|---|
| Lower Interest Rate | Smaller monthly EMIs |
| Longer Tenure | Reduces monthly burden (but increases total interest paid) |
| Flexible Repayment Options | Grace periods, step-up EMIs, or rescheduling options help |
| No Hidden Fees | Transparent costs make planning easier |
| Auto-Debit or Digital Payment | Avoids late fees and simplifies repayment |
| Prepayment/Foreclosure Freedom | Lets you close the loan early without penalty |
🏦 Loan Providers with Easier Installment Terms (Bangladesh Examples)
| Lender | Notes on Ease |
|---|---|
| BRAC Bank | Offers EMI calculators and flexible tenure up to 5 years |
| bKash Loan | Digital loan, short tenure, automatic deduction from balance |
| IPDC Finance | Offers step-payment and early settlement options |
| Grameen Bank | Smaller weekly installments; ideal for low-income borrowers |
| United Finance | Known for transparency and customizable EMI schedules |
🔍 How to Compare "Ease" of Installments
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Use an EMI calculator to compare monthly payments across lenders.
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Check if early repayment is penalized.
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Look for zero or low processing/hidden fees.
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Ask if grace periods are offered in case of financial difficulty.
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Read real customer reviews or testimonials on installment experience.
Would you like to compare EMI examples based on a specific loan amount and term? I can calculate it for you.
🏦 Bank Loan Limits
BRAC Bank
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Personal Loan: Up to BDT 20 lakh (2 million)
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Digital Personal Loan: Preapproved limits ranging from BDT 20,000 to BDT 300,000
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SME Loans:
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KURI: BDT 3 lakh to BDT 25 lakh
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Shabolombi: BDT 2 lakh to BDT 30 lakh
AB Bank
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Home Loan: Loan limits up to BDT 50 lakh at a processing fee of 0.50%; above BDT 50 lakh, the processing fee is 0.30%
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Personal Loan: Specific maximum amounts not publicly specified; details available upon inquiry
Mercantile Bank
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Personal Loan: Minimum BDT 50,000; maximum BDT 20 lakh
📱 Digital & Mobile-Based Loans
bKash (in partnership with City Bank)
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Digital Nano Loan: Loan amounts ranging from BDT 6200 to BDT 30,000
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Pay Later Service: Combined loan limit up to BDT 30,000
🌱 Microfinance Institutions
Grameen Bank
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Basic Loan: Typically starts at BDT 50,000; maximum amounts vary based on borrower profile and repayment history
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Higher Education Loan: Available to students pursuing higher education; specific amounts depend on course and institution
✅ Summary of Maximum Loan Amounts
| Institution | Loan Type | Maximum Loan Amount |
|---|---|---|
| Ziqo Finance | Personal Loan | BDT 10 lakh |
| BRAC Bank | Digital Personal Loan | BDT 3 lakh |
| BRAC Bank | SME Loan (Shabolombi) | BDT 30 lakh |
| AB Bank | Home Loan | Above BDT 50 lakh |
| Mercantile Bank | Personal Loan | BDT 20 lakh |
| bKash (City Bank) | Digital Nano Loan | BDT 30,000 |
| Grameen Bank | Basic Loan | Varies (starting at BDT 50,000) |
If you have a specific loan type or institution in mind, feel free to ask for more detailed information.
When asking "Why do people choose us?"—the answer depends on the context of your business or service. Here's a general framework you can tailor to your specific situation:
✅ Reasons People Might Choose Your Business
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Trust & Reputation
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Proven track record of reliability or customer satisfaction.
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Positive reviews and testimonials.
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Affordable & Transparent Pricing
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Competitive rates with no hidden charges.
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Clear breakdown of costs and repayment.
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Fast & Hassle-Free Process
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Quick application and approval process.
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Minimal documentation or fully digital workflow.
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Customer-Centric Service
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Responsive support team.
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Personalized loan solutions or flexible repayment terms.
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Accessibility & Convenience
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Easy-to-use mobile app or website.
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Physical branches or agent networks in rural/urban areas.
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Value-Added Benefits
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Special discounts, loyalty programs, or referral bonuses.
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Free financial literacy resources or EMI calculators.
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Innovative Products
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Tailored offerings like microloans, student loans, or shariah-compliant finance.
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Would you like help crafting a personalized “Why choose us” section for your website, brochure, or pitch? Just tell me a bit about your business or services.
🔍 Possible Hidden Charges in Loans
| Charge Type | Description | When It Applies |
|---|---|---|
| Processing Fees | One-time fee for evaluating and approving the loan | At the time of disbursement |
| Documentation Charges | For paperwork, agreement stamping, notarization | At loan initiation |
| CIB Report Fee | Fee for checking your credit report with the Credit Information Bureau (CIB) | During loan application |
| Legal/Valuation Charges | Applied when securing home/auto loans with collateral | During property/car appraisal |
| Late Payment Penalties | Extra charges for delayed EMIs | When installment is overdue |
| Prepayment / Early Settlement Charges | Charged if you repay the loan before the term ends | If you close loan early (1–2% of remaining balance) |
| Insurance Premium | Some loans are bundled with credit life insurance (optional or mandatory) | Monthly or one-time |
| Account Maintenance Fees | Charged for loan-linked accounts | Periodic (monthly/annually) |
| SMS/Service Fees | Charges for loan-related SMS alerts or online tracking | Monthly, depending on the bank policy |
✅ How to Check If You’re Being Charged Hidden Fees
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Read the loan sanction letter and fee schedule carefully.
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Ask your bank for a breakdown of monthly installment (EMI): principal, interest, and any additional service charges.
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Request a loan amortization schedule—it shows how much you repay monthly in detail.
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Inquire specifically about:
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Early payment penalties
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Insurance add-ons
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VAT on fees (usually 5%)
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Would you like help reviewing a specific loan offer or EMI schedule? You can share a copy or type the details.
📱 Digital Loan Options
Ziqo finance (in partnership with HSBC & KRISHI BANK)
Processing Fee: 5% of the loan amount ( No VAT)
Loan Amount: BDT 6200 to BDT 10,00,000
Repayment Term: 6 or 18 months
Features: No paperwork, no bank account required, auto-installment from bKash/Nagad, Cryptocurrency balance.
🏦 Bank Loan Fees in Bangladesh
AB Bank
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Application Fee: Fee
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Processing Fee:
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Loans up to BDT 50 lac: 0.50% of the loan amount, capped at BDT 15,000
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Loans above BDT 50 lac: 0.30% of the loan amount, capped at BDT 20,000
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BRAC Bank
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Application Fee: Fee
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Processing Fee:
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Loans up to BDT 50 lac: 0.50% of the loan amount or BDT 15,000, whichever is lower
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Loans above BDT 50 lac: 0.30% of the loan amount or BDT 20,000, whichever is lower
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Dutch-Bangla Bank
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Processing Fee:
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Home Loans up to BDT 50 lac: Maximum 0.50% or BDT 15,000, whichever is lower
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Home Loans above BDT 50 lac: Maximum 0.30% or BDT 20,000, whichever is lower
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United Finance PLC
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Application Fee: BDT 2000 plus VAT
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Processing Fee: Varies based on loan type and size; charged at actual cost
Rupali Bank (Shohoj Rin)
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Application Fee: BDT 2000
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Additional Charges: Documentation, CIB, stamp, legal, and valuation fees are recoverable at actual amounts
IPDC Finance
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Application Fee: Up to BDT 2000 plus VAT
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Early Settlement Fee: Up to 1% plus VAT
If you have a specific loan type or institution in mind, feel free to ask for more detailed information.
Blog Post
Our Latest Blog
03
Aug
Helped by Loan : Finding the Perfect Summer Internship
After graduating from college, many jobs want experience in your work field. Having a summer internship is a great way gain experience. Here are some ways to find the perfect internship for you:Check out online resourcesThere are many online resources to help you look for internships. Ziqo Finance is a great tool to find employers who are recruiting Iowa State students. You can search for positions by your college or major, upload your resume, view career fair information and more. You can even automate your Ziqo Finance search to have new opportunities emailed to you. LinkedIn is another great tool to connect with people and to find internships in different cities and states. Through LinkedIn you can also connect with alumni of Iowa State University.Attend career fairsCareer fairs are a great way to network and to create connections with people in the work force. Through networking you are able to share your resume and network for yourself with others. Connections are important for finding job opportunities.Contact the employer directlyYou don’t see an internship at a business or organization you want to work for? Contact the business or the employers. This shows them that you are motivated and willing to go the extra mile.Find something that works for youLooking for an internship that intrigues you and will help you improve your skills and connections is important when making a final decision. While there are both paid and un-paid internships, there may be scholarships you can apply for if you decide to take an un-paid position, so don’t discount an opportunity if it will ultimately help you gain valuable experience.
03
Aug
Agri-loan, key to farming success
Starting today's article with statistics provided by the Bangladesh Bank.According to IFPRI, 19 percent of farmers take loans from relatives. 15 percent from the landowner, 11.4 percent come from moneylenders and 3.6 percent from various associations and cooperatives. Farmers get the largest share of the loan from the Krishi Bank, which is about 15 percent. Large, medium and small farmers together get 36 percent of the total loan while marginal farmers get about 5 percent. The total percentage of loan all the farmers get is 36 percent. Sharecroppers, the farmers who cultivate other people's land on lease, do not get this loan. As a result, they have to rely on loans from other sources, including NGOs.Small NGOs and associations began to form in the districts and upazilas from the 80s to the early 90s of the last century. Along with other developmental activities, these institutions started a micro-credit programme. Institutions thrive mainly on interest earned from loans. But there is no such change in the farmer I have witnessed. The farmer falls into a debt trap and sometimes carry the burden of prolonged loans that they take from NGOs and local moneylenders. Farmer Rafiqul Islam from Natore, at one of the open-air discussion among farmers and policymakers, popularly known as 'Krishi Budget Krishoker Budget' (Farmers' Voices in Budget, aired on Channel i), said he has never seen any political person become poor while doing politics, but the farmers are not well off doing their profession, which is farming. "We don't have capital, no one thinks about our market, no one talks about us," Rafiqul angrily said. Such anger doesn't only come from Rafiqul, but almost every farmer bears the same agony. Most importantly, the moneylenders expanded their business by capitalizing on the poor state of the farmers and they never want them to get out of this vicious circle of borrowing money from the locally-rich and powerful people.
03
Aug
Dealing with Delinquent Business Loans: Protecting Your Finances and Credit
Closing on a business loan often brings a sense of relief and excitement as you secure the funds to grow your business. However, it’s not uncommon to find yourself overwhelmed after a few months or years, realizing that you’ve taken on more than you can handle. With over one-third of Americans struggling with delinquent debt and the risk of loan defaults, taking immediate action is crucial when you fall behind on loan payments. This article provides essential information on delinquent loans, defaults, and practical strategies to protect yourself and minimize the associated damage.Understanding Delinquent LoansA loan becomes delinquent when you miss a payment, even in just one day. If you miss payments or cannot make them for an extended period (typically 90 to 120 days), the lender may classify the loan as default and initiate collection procedures. Both delinquent loans and defaults have negative implications for your credit. It’s important to note that the timing of your delinquency rarely matters. For example, if your payment is due on February 1 and the lender doesn’t receive it that day, the loan becomes delinquent on February 2.Consequences of Delinquent LoansThe consequences of a delinquent loan depend on your lender’s policies and the terms outlined in the loan agreement. However, there are three typical outcomes:Penalty Rates & Late Fees: Loan agreements often permit lenders to charge late fees after a few days grace period. Some agreements also permit the lender to increase the interest rate on overdue amounts, known as a “penalty rate” or “default rate.” Late fee structures vary among lenders, so it’s essential to understand their specific policies to avoid surprises.Negative Impact on Credit Score: Once you are 30 days late on payments, lenders can report the late payment to credit bureaus. Beyond this period, a late payment can decrease your credit score by nearly 100 points. In addition, poor credit score makes qualifying for future business loans more challenging. Late payments can remain on your credit report for up to seven years, even if you pay the lender after the item is reported.It’s worth noting that this 30-day rule does not apply to business credit reports, as lenders can report late payments to commercial credit bureaus even if you are just one day late.Increased Contact from LendersWhen you have a delinquent loan, expect frequent calls and emails from your lender urging you to make payments. Lenders prioritize collection efforts while the deadline is fresh in your mind. As delinquency continues, it becomes more challenging for lenders to collect the debt.Delinquent Loans vs. Defaulted LoansA loan transitions from delinquency to default when you have an outstanding balance for an extended period specified in the loan agreement. Typically, lenders wait 90 to 120 days before considering a loan as default.How to Identify Defaulted LoansWhen a loan goes into default, the lender will send you a written notice stating that you have breached the loan agreement and must immediately repay the entire loan balance. The lender might also sell or transfer the debt to a collection agency, escalating collection efforts to recover the outstanding balance. If the lender believes they won’t recover the money, they can charge off the loan, removing it from their books. However, you remain responsible for paying the debt.Actions After DefaultThe lender’s subsequent actions depend on whether the loan is secured or unsecured. Secured loans have collateral or personal guarantees backing them, while unsecured loans do not.
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