About us

About us


The nature of work is changing. Businesses with high wage costs need more flexible financing solutions in order to adapt to new challenges ahead, retain talent and grow.

We set up Zetl with the mission to finance the next generation of businesses in Asia-Pacific - one of the fastest-growing and most dynamic regions in the world.

Zetl provides working capital, payroll, and growth financing to consultancies, staffing companies, and other services businesses to help manage their monthly operating expenses so that they can focus on growing their business.

Why choose Zetl?

  • Confidential: Your clients won’t know you are using financing
  • Fast: Our customers receive same-day funding into their bank account
  • Digital: You don’t need to come into our offices. You can do everything online
  • No personal guarantees: We believe business risk should be kept separate from personal liability
  • No hidden fees: Our prices are fully transparent


Meet our founders

"I started my professional career in finance but have been doing fintech startups for the last 7 years. Prior to Zetl, I ran a personal project to launch 12 startups in 12 months!
I started Zetl because of my firsthand experience of how difficult it is for the new generation of companies to get access to fast, flexible financing. In a previous business, I had to empty my bank account to bridge long payment terms and that was an intensely difficult period personally. My goal with Zetl is to ensure that other business owners don’t have to go through that same experience I did. " - Shan Han, CEO
"Originally from the UK, I started my career in capital markets, focussed on asset-backed lending at investment banks. I have been investing in mainly fintech-based start-ups for almost 10 years as an angel investor, and am a big advocate of the healthy impact they have had on legacy financial services for businesses and consumers alike. I am incredibly proud of the rockstar team we have at Zetl and their belief in ensuring our customers are successful with access to more inclusive financial products.
We started Zetl to help finance an underbanked but growing part of APAC’s economies. Having seen the contrasts in banking in the UK (where fintech was born) compared to that of Asia, I was excited about bringing better services to businesses in the region." - Matthew Roberts, Finance
"I’m a third culture kid, born in Hong Kong, and began my career within the financial services recruitment sector 14 years ago. I’ve been an active angel investor over the last 8 years within the Fintech and HR sectors, and also co-founded two Asia-Pacific-focused executive search firms.
As a recruitment business owner in Hong Kong I was frustrated by the limited options available for asset-light SMEs in APAC. Having experienced how slow and frustrating the process could be with commercial banks, coupled with an entrepreneurial spirit, I set out to make the change I wanted to see in the market. With a strong and complementary founding team in place, alongside Shan and Matt, we are bringing fast, flexible and fully digital financing to the region!" - Mark Francis, Commercial


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