Ever Thought About Getting Into Commercial Lending?
Expand your value, not your workload.
Zero2Ten’s Affiliate Program is designed for professionals ready to elevate their client offering — with the support, systems, and expertise to back it up.
We’re Building the Next Generation of Lending Partners.
Apply Online
Our Affiliate Program is selective by design — we partner with professionals who value transparency, expertise, and client success.
Apply below to learn more and see if there’s a fit.
The Challenge
Commercial lending can be complex without the right processes, technology, experience, and network of lending options.
Even seasoned professionals find it hard to navigate multiple loan programs, shifting underwriting requirements, and lender relationships.
Fragmented lending ecosystem Most professionals stick to what they know because the commercial lending world is scattered across dozens of lenders, each with its own process and requirements. It’s hard to know where to start.
Specialized underwriting expertise required Commercial lending decisions hinge on complex underwriting, financial analysis, and documentation—skills that take years to develop. Without that expertise, good deals can fall through the cracks.
Limited access to qualified lenders Many brokers and advisors only have relationships with retail or residential lenders. Building a network of commercial funding partners takes time, connections, and the right technology.
Our Solution: A Turnkey Commercial Lending Platform for Trusted Professionals
We’ve built an integrated, white-label-ready solution that plugs directly into your business. Whether you’re a residential mortgage broker, real estate investor, accountant, or business attorney, Zero2Ten empowers you to offer commercial lending without changing your core focus.
Who We Partner With - Our Affiliate Program is designed for established professionals who share our commitment to integrity and client success.
If you have an existing client base and want to add commercial lending to your services — without taking on additional infrastructure — we’d like to talk.
Residential & Mortgage Brokers Expand beyond residential without leaving your niche. Zero2Ten gives you instant access to commercial products so you can say “yes” to every client and keep them under your brand.
Real Estate Professionals Finance up to 100% of equipment costs—from manufacturing machinery to restaurant equipment to fleet vehicles. The equipment itself serves as collateral.
Accountants & Financial Advisors Deepen your client relationships by guiding them to smart capital solutions. With Zero2Ten, you can connect clients to the right funding options while strengthening your advisory role.
Business Attorneys Help your business clients secure financing that complements your legal guidance. Our team handles the lending side so you can offer a more complete solution without adding complexity.
Turnkey system:
Processes, tech, and lender network included.
Expert Support:
Our commercial team becomes your team.
Client Trust:
Expand your value proposition with zero risk.
Client Trust:
Expand your value proposition with zero risk.
Selective Partnership
We’re growing carefully to ensure quality and collaboration.
500+
Satisfied Customers
15+
Years of Experiance
48
States Covered
100+
Lending Sources
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Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
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SERVICES LIST
What you will learn with this book
Short-Term Cash Loans
These loans provide a quick infusion of cash to cover immediate expenses until your next paycheck arrives. With relatively small loan amounts and short repayment periods, usually a few weeks, they offer a temporary solution for unexpected bills or cash shortfalls.
Payday Advances
Similar to short-term cash loans, payday advances are designed to bridge the gap between paydays. You can borrow a portion of your upcoming paycheck and repay the advance, plus fees and interest, when you receive your next paycheck.
Cash Loan
A cash advance allows you to borrow money against your credit card's available balance. Payday lenders may offer this service, providing you with immediate cash in exchange for fees and the promise to repay the advance from your next paycheck.
Title Loans (using a vehicle title as collateral)
For those who own a vehicle outright, title loans allow you to use your vehicle's title as collateral for a short-term loan. The lender holds onto your title until the loan, plus interest and fees, is repaid.
Installment Loans
Unlike single-payment payday loans, installment loans from payday lenders are repaid over a longer period through scheduled installments. This can make larger loan amounts more manageable but also increases the overall interest paid.
Check Cashing Services
Many payday lenders offer check cashing services, allowing you to cash personal, payroll, government, or other types of checks for a fee, providing instant access to those funds.
Testimonials
When my car broke down unexpectedly, I was hit with a massive repair bill that I simply couldn't afford. Thanks to the quick payday loan service, I was able to get the cash I needed within hours to fix my car and get back on the road. Their hassle-free process and friendly staff made a stressful situation so much easier to manage. I'm grateful for their help during my time of need.
JOHN DOE
As a single mom, juggling bills and unexpected expenses can be overwhelming. Last month, when I was hit with a higher than normal utility bill, I didn't know how I would make ends meet. Fortunately, the payday lenders provided me with a short-term loan solution that allowed me to keep the lights on until my next paycheck. Their service was confidential, and the process was clearly explained. I can't thank them enough for their assistance during a very difficult time.
JANE DOE
Costs
Loan amount:
$xxx - $xx,xxx
Repayment period:
12 monts - 24 months
Payday loans typically come with relatively short repayment periods, often aligning with your next pay cycle. Many lenders require repayment in full, including the principal amount borrowed plus interest and fees, within 2-4 weeks. The interest rates charged by payday lenders are significantly higher than those offered by traditional banks and credit unions for longer-term loans.
Annual percentage rates (APRs) can range anywhere from 200% to 500% or even higher in some cases. While this makes payday loans an expensive option, the trade-off is quick access to cash for those unable to qualify for more favorable rates from banks. Lenders justify the higher rates as compensation for taking on borrowers with poor or no credit histories. It's crucial to carefully review the terms and have a plan to repay the full amount on time to avoid rolling over the debt and incurring additional fees.
FAQS
How much can I borrow with a payday loan?
The maximum loan amount varies by lender and state regulations, but typically ranges from $300 to $1,000. Many lenders offer smaller sums like $100 or $200 for first-time borrowers or those with limited income.
What do I need to qualify for a payday loan?
While requirements can vary, most lenders require you to be at least 18 years old, have a steady source of income, an active checking account, and a valid form of identification. Some may also consider your credit history but bad credit does not automatically disqualify you.
How long do I have to repay a payday loan?
Payday loans are short-term loans designed to be repaid with your next paycheck, usually within 2 to 4 weeks. Some lenders may offer slightly longer terms of up to 45 days, but the loan periods are meant to be brief until your next pay date.
Get In Touch
Address: 808 Pleasant St., Charlotte MI 48813
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Hours of Operation:
Mon - Sat 8am to 6pm
Sunday – Closed
