44.6%
Reduction in Loan Application Drop-Offs
Keep applicants moving from login to disbursal with automated loan-stage SMS via Zoho CRM workflows.
Built for lenders, mortgage & insurance teams using Zoho CRM
Speed Up Loan Closures and Policy Renewals with Zoho CRM SMS for Lending
Improve borrower engagement, accelerate lending workflows, close more loans, and reduce manual effort while giving your team better visibility into every customer interaction, all within Zoho CRM.
One place for loan updates, document reminders, EMI alerts, and policy renewals
60K+Users worldwide trust 360 SMS
SMS & MMS
WhatsApp
Inside Zoho CRM
Built for lending & insurance
Why Lending & Insurance Teams Prefer 360 SMS
42.7%
Faster Document Collection
Automated document reminder SMS through Zoho CRM reduces submission delays without any manual follow-up effort.
38.4%
Higher Policy Renewal Rate
Timely renewal reminder SMS from Zoho CRM keeps more policyholders active and reduces avoidable lapses.
Across the entire customer lifecycle
Stay Connected at Every Stage of Lending and Insurance
Stay Connected at Every Stage of Lending and Insurance
with Zoho CRM SMS
From the first loan enquiry to final disbursal and policy renewal, help lending teams manage borrower and policyholder communication efficiently, coordinate follow-ups, and maintain consistent engagement throughout the customer lifecycle.
01 / Loan Status Updates
Automate Loan Status Updates via Zoho Workflows
Borrowers disengage when they don't receive timely updates at each stage. Configure Zoho workflows to trigger stage-specific SMS automatically — no manual step per borrower.
- Trigger stage SMS via no-code Zoho workflow rules
- Personalize messages using Zoho CRM record data
- Manage borrower replies from a unified CRM inbox
02 / Document Collection
Stop Chasing Documents. Let Reminders Run.
Document delays stall most loan timelines. Automated follow-up sequences recover more submissions and keep the process moving without manual effort.
- Schedule automated follow-up inside Zoho CRM
- Share document upload links via WhatsApp or SMS
- Track delivery and link engagement per reminder sent
03 / Payment Reminders
Automate EMI and Payment Reminders from Zoho
A missed EMI triggers a recovery process more costly than a reminder. Schedule automated payment reminders before due dates from Zoho CRM.
- Schedule reminders using due date fields in Zoho CRM
- Personalize each SMS with amount, date, and payment link
- Send bulk payment reminders via Zoho CRM list view
04 / Renewals & Claims
Manage Insurance Renewals and Claims via Zoho
A policyholder who misses a renewal reminder lapses. Use 360 SMS for Zoho to keep policyholders informed before renewals and through every claim stage.
- Send renewal alerts weeks before policy expiry
- Trigger claim status SMS at each processing milestone
- Manage two-way conversations with AI-suggested replies
05 / Speed-to-Lead
Convert Loan Enquiries Before Competitors Respond
A lead unanswered in the first hour rarely converts. Use 360 SMS for Zoho to respond the moment a prospect enters your CRM.
- Trigger instant welcome SMS the moment a lead enters Zoho
- Deploy AI auto-replies to engage prospects after hours
- Get notified instantly when a prospect replies in Zoho
06 / WhatsApp Documents
Share Loan and Policy Documents via WhatsApp
Many borrowers ignore portal emails and skip login steps. WhatsApp reaches them where they're already active, with measurably higher open rates.
- Share PDFs and files via WhatsApp directly from Zoho CRM
- Use Meta-approved templates for structured outreach
- Track message delivery and read status in real time
Six clear stages
How 360 SMS for Zoho Fits the Lending and Insurance Workflow
This is what communication looks like when a lender or insurer sets it up properly.
01
Capture the Lead or Enquiry
A loan or insurance enquiry arrives and the borrower record is created in Zoho CRM.
02
Send an Acknowledgement Automatically
A Zoho workflow fires an SMS the moment the record is created in the system.
03
Collect Documents with Scheduled Reminders
SMS and WhatsApp reminders go out with upload instructions and keep repeating until documents arrive.
04
Push Loan Stage & Policy Status Updates
Stage-specific SMS fire at login, processing, sanction, and disbursal; policyholders get claim status updates too.
05
Send EMI or Renewal Reminders Before Due Dates
Scheduled reminders fire automatically based on due date fields in Zoho CRM without manual steps.
06
Handle Queries and Close the Loop
All borrower and policyholder replies return to Zoho CRM as two-way conversations on each record.
TCPA & A2P 10DLC compliance
Send Compliant SMS & Messages from Zoho CRM
US lenders must follow TCPA requirements and A2P 10DLC registration rules when sending business texts. 360 SMS for Zoho supports consent-based messaging and intent-based opt-out management.
- Support A2P 10DLC-compliant business texting
- Automated customer consent management
- Detect intent-based opt-outs beyond standard keywords
Real-world customer success
Lending Zoho Texting in Action:
Lending Zoho Texting in Action:
Results from a 360 SMS Customer
Customer success story
How a Leading Mortgage Lender Accelerated Borrower Communication
A US-based mortgage lender used 360 SMS for Zoho to automate loan updates, speed up document collection, and manage borrower conversations directly within Zoho CRM.
The lender faced delayed borrower responses, manual loan update workflows, and scattered communication across channels. 360 SMS for Zoho automated stage-based SMS updates, document reminders, and follow-up sequences, and centralized all borrower conversations inside Zoho CRM.
Read the Case Study46% FasterResponse to Borrower Enquiries
33% FasterDocument Collection and Follow-Ups
What Our 360 SMS Customers Say
Customer testimonial content can be added here once an approved quote is available.Every Loan Enquiry. Every Renewal. Every Reminder. Handled.
No Manual Chasing. No Missed Payments. Just the Right Message at the Right Stage.
Have a question?
Frequently Asked Questions
Answers to the questions lenders, mortgage teams, and insurers ask about texting through Zoho CRM.
Acknowledgements, stage updates, document reminders, EMI alerts, disbursal confirmations — all of it runs from inside Zoho CRM with 360 SMS for Zoho. Teams configure workflows to trigger the right message at each loan stage, so nothing depends on someone remembering to send it manually. In practice, it means borrowers stay informed and loan officers stop fielding status calls they don't need to take.
Two use cases, mostly. Renewal notices go out before policy expiry with a clear next step. Claim status SMS go out at each processing milestone so policyholders know where things stand. Both run from inside Zoho CRM, and replies come back as two-way conversations linked to the policyholder's record.
Yes. Configure a workflow for each stage transition, set the message content with borrower name and loan reference, and the SMS fires automatically when the record moves. No manual step per borrower. Most teams don't realize this is configurable without code until they actually set it up.
Set up a workflow that sends a document reminder SMS at a fixed interval after the application is recorded — and repeats on schedule until the document arrives. Include a WhatsApp file-sharing link or upload portal URL in the message for borrowers who prefer to submit on chat. Worth saying: teams that add a WhatsApp option alongside the standard SMS reminder tend to see faster turnaround, particularly from mobile-first borrowers. A two-step reminder sequence — 24 hours, then 48 hours — covers most cases without over-messaging anyone.
Schedule reminders based on due date fields already in Zoho CRM — with the amount, due date, and payment instructions in the message. Recurring reminders for active loans and policies can be automated without rebuilding the setup each cycle. To be fair, timing matters more than most teams expect: three days out works well for some products, 24 hours for others — and some teams run both for high-value loans where a missed EMI carries real cost.
In the US, 360 SMS for Zoho supports TCPA-aligned messaging and A2P 10DLC number registration. In India, it supports DLT-compliant SMS for the BFSI sector. Opt-in records are managed inside Zoho CRM, and opt-outs are handled automatically — a borrower who replies STOP is removed from further messaging without a manual step. Your team is still responsible for ensuring messaging practices fit your specific market and use case, but the compliance infrastructure is built in from the start.
Loan officers get an assigned office number inside Zoho CRM and can send and receive SMS directly from the platform. Replies land in the CRM linked to the right record. No personal device required. No separate app. Genuinely — it's the feature teams mention most in onboarding calls, once they realize how much borrower context has been sitting in personal phones instead of the CRM.