For borrowers
Never has it been easier to find out if you're lendable.
Sign up, log in, and start your journey to lendable.
Get Early AccessWhy we built this
Information is power when you talk to a lender.
At Zero2Ten we believe the future of the US economy will be built on small business owners and their ability to get the funding to build the businesses that will run our economy. So we put every tool a small business owner needs to reach their best shot at funding in one place.
The lending process has always been hard for borrowers. That is about to change. If you are starting to think about the funding you will need, it is never too early to begin.
Every lender needs certain information, and you have to have it together before you walk in the door. The problem is most owners do not know what that information is until they are sitting across from a lender. Until now.
Sign up, start your account, and build your loan package. You will walk in with an organized, structured package a lender can lend against, and you will impress them. The platform pre-underwrites your loan, shows you your cash flow, builds your personal financial statement, and tells you how lendable you actually are given your situation.
Going in blind is not a strategy, and it is one of the biggest reasons lenders do not lend. It is not that they do not want to lend. It is that most small business owners are not prepared when they arrive. Zero2Ten fixes that.
Getting a business loan shouldn't feel like this.
You don't speak lender language
DSCR, debt schedules, global cash flow. Lenders evaluate you in terms nobody ever taught you.
Your documents are scattered
Tax returns in one folder, bank statements in another, and a different request from every lender.
You get declined without knowing why
A no with no explanation leaves you nowhere to improve and nowhere to go next.
How it works
Understand your position
Upload your financials. AI extracts the key data and shows you your lendability the way a lender sees it.
Build your package
Guided document collection, an auto-generated personal financial statement, and reconciliation against your tax returns and credit reports.
Shop it
Take one complete package to any lender you choose, or to a broker on the platform.
What you get, free
Free during early access. Premium tiers coming soon.
- Document collection
- AI extraction
- Lendability assessment
- Cash flow analysis
- Personal financial statement builder
- Educational guides
Questions borrowers ask us
Yes. Everything is free during early access. Premium tiers are coming soon.
No. But brokers on the platform can help if you want one.
We show you the gaps and how to close them. Becoming lendable is the whole point of the platform.
Typically weeks, not months, depending on your starting point.
Start your journey to lendable
Free during early access. Sign up and start building your loan package today.