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How Multiply Built a Nationwide Contact Center on Zoho CRM

Executive Summary

Patrick, founder and president of Multiply, built his company on a problem he lived through firsthand. As president of a Canadian insurance operation with five mortgage brokerages, a trust, and roughly 7,500 mortgage brokers feeding some 150,000 transactions a year into his pipeline, he discovered that his team was only ever speaking with 8% of the leads flowing through the business. Solving that problem — first for his own brokers, then for clients across Canada — became Multiply: an outsourced, omnichannel contact-center company built entirely on Zoho CRM.

Introduction

Four years later, Multiply runs omnichannel outreach programs across home & auto insurance, life insurance, real estate, mortgage, banking, and medical verticals, sends millions of SMS messages, emails, and calls annually, and works with clients ranging from small brokerages to publicly traded companies — all powered by Zoho CRM, RingCentral, and custom development delivered by Amazing Business Results (ABR).

The Business

Before founding Multiply, Patrick spent his career in insurance and mortgage finance, eventually serving as president of an insurance company built around a network of home and auto brokers, life insurance brokers, and a trust financing five large mortgage brokerages across Canada. The business acquired a book of credit insurance business and launched its own life insurance program, creating a large, high-volume ecosystem: roughly 7,500 mortgage brokers and 150,000 transactions moving through the pipeline every year.

The strategic logic was sound — mortgage and insurance products are natural cross sells — but the operational reality was that brokers, while excellent once they had a customer on the phone, were not equipped to chase down leads that didn’t respond immediately. That gap between marketing spend and sales conversations is what eventually became Multiply’s core business.

The Challenge

Patrick’s brokers were converting leads at a healthy 35–38% close rate — but only once they actually got someone on the phone.

The real bottleneck sat earlier in the funnel:

  • Contact ratio of just 8% across 150,000 annual transactions, meaning over 90% of paid leads never resulted → in a conversation.
  • No systematic follow-up. Brokers would call once, maybe twice, send an email if time allowed, and move on. As Patrick put it, an unanswered lead was effectively “dead.”
  • No integrated outreach stack. SMS, calls, and email existed as disconnected channels rather than a coordinated cadence, and SMS capability barely existed at all.
  • No vendor in the market. Patrick searched for a firm that specialized in this “middle-funnel” problem — the gap between marketing and sales — and could not find one, in Canada or otherwise.
Finding a Solution

Rather than pushing brokers to simply “do more calls,” Patrick tested a hypothesis: the issue wasn’t sales skill, it was the absence of a structured, multi-touch, multi channel cadence between marketing and the sales conversation. He assembled a crude first version of an omnichannel reach-out sequence — automated SMS, email, and paced calling — and applied it against the existing broker network to see whether contact rates, not close rates, would move.

Choosing the underlying technology was treated as what Patrick calls a “one-way door” decision. His team evaluated Salesforce, HubSpot, and Zoho. Salesforce was ruled out because meaningful customization required dedicated Salesforce engineers — a scarce, expensive resource that made sense for enterprise budgets but not for a lean, scaling operation.

Zoho stood out for having no legacy baggage, a large and active client base, and enough depth to build an entire company on top of it without an internal engineering team.

Implementation and Results

The proof of concept worked: applying even a crude omnichannel cadence took the contact ratio from 8% to 33% — roughly four to five times more conversations from the exact same lead volume, with close ratios holding steady at 35–38%. That result became the founding thesis for Multiply as a standalone company, and Zoho CRM became its system of record.

“By just implementing a crude structure of Multiply, we got almost five times more conversations.”

– PATRICK, FOUNDER & PRESIDENT, MULTIPLY

The initial build, completed with an outside engineering firm, got the core CRM workflow right but the SMS integration never worked the way the business needed. That’s when Patrick brought in Lior and the Amazing Business Results (ABR) team to rebuild and extend the Zoho implementation, rather than starting over on new technology.

As Multiply scaled from an internal tool to a multi-client platform, it quickly hit one of Zoho’s structural limits: the maximum number of workflow rules allowed per module. With dozens of clients, each requiring its own follow-up logic on the Leads module, a one-workflow-per-requirement approach was not sustainable.

ABR’s lead, Nelvin, solved this by consolidating what would have been dozens of individual workflows into a single, condition-driven custom function — several hundred lines of Deluge code — that a single workflow trigger calls to evaluate each client’s specific rules and route the outreach accordingly (SMS, email, or call). Custom fields were used as configurable “variables” inside that logic wherever possible, avoiding the need to create a new workflow every time a client needed a new rule.

Rather than rebuilding from scratch, ABR salvaged and extended the existing Zoho implementation — preserving live client programs and revenue while fixing the underlying architecture, an approach Patrick credits with letting Multiply keep growing without downtime.

Multiply now sends millions of SMS messages, emails, and calls each year on a Zoho based tech stack that, in Patrick’s words, has shown “absolutely no limitations” as the business has grown. Clients typically see their contactable lead volume double or triple almost immediately after onboarding — so consistently that staffing to handle the new volume, not technology, is now the most common early bottleneck for new customers.

Because workflow customization in Zoho doesn’t require an engineering team for most day-to-day changes, Multiply’s own staff can add fields, adjust logic, and launch new client programs directly — reserving ABR’s development team for the more complex architecture work, like the Deluge-based workflow consolidation described above. Combined with a fully remote, locally-hired agent model (avoiding the trust issues associated with offshore accents and the friction of predictive dialers), Multiply has grown from an internal fix for one insurance business into a contact center platform trusted by publicly traded companies, with an aggressive plan to reach 1,000 agents and a dominant Quebec and Canada-wide position within five years.

What would you say publicly about Zoho?

“The CRM decision was a one-way door for us. ABR delivered exactly what we needed as a business.”
                                                                                                                               – PATRICK, FOUNDER & PRESIDENT, MULTIPLY

Partner Bio:

Amazing Business Results is a Zoho Premium Partner, Certified Zoho Developer, and Zoho Apps Trainer with in-depth expertise across the entire Zoho suite.

Since April 2013, the ABR team has built hundreds of CRM and AI systems to help businesses automate processes, save money, and operate with less stress.

When you work with Amazing Business Results, you gain a trusted strategic partner who can help you design and implement the right software solutions to manage and grow your business successfully.

Amazing Business Results Offers:

  • Zoho apps customization and architecture for small to mid-size businesses
  • Zoho training sessions
  • Weekly interactive webinars to answer clients’ questions
  • Updates on Zoho’s new features and services
  • A YouTube channel with hundreds of videos related to Zoho and its features.

With Amazing Business Results as your Zoho consultant partner, you get the most out of Zoho and the confidence of working with someone who can answer all your questions and find solutions to your business problems.

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