For banks, credit unions, CUSOs, and private lenders
Fund more small businesses, with less friction.
Streamline how your team engages borrowers, get to a go/no-go decision faster, and collect cleaner information from every borrower and broker you work with.
Learn More and PartnerOne safe, shared place to engage borrowers
Today your team collects documents from borrowers however your current systems allow. With Zero2Ten, borrowers and your team work in one safe, shared place. Using Lender-to-Borrower integration, you collect the information, let AI analyze it, generate a first-pass lendability read, and produce a report that gives your team a clear go/no-go, quickly.
The first, hardest step gets far easier
The friction for a lender starts with determining whether someone is lendable. Small business owners often arrive unprepared and cannot get their financials together. Point them to Zero2Ten to collect and organize their information, made transparent not just to the borrower but back to your team.
Support through underwriting
The platform supports underwriting itself: validating personal financial statements and spreading financials after tax return, credit report, and document analysis.
Terms and checklist management to close
Once a term sheet is issued, your lending team gets a simplified interaction point where closing tasks and deliverables are organized and collected from the borrower in preparation for closing, all in one auditable platform.
The platform to standardize your broker flow on
For lenders who want to work with brokers and freelance BDOs, there is no better platform to standardize on. Consistent packages from all your brokers mean your team compares apples to apples and decides faster.
A strategy most lenders have not considered
Build your own broker network.
Build a network of brokers who run their businesses on Zero2Ten, so everything arriving at your institution is uniform. It opens an alternative lending strategy: you send your turn-downs to the brokers in your network, and in exchange those brokers give you first right of refusal on the loans coming through their own front-door funnels.
The platform is what makes both directions clean, because every package is uniform.
The broker channel costs more than it should.
Inconsistent packages from every broker
Every submission arrives in a different shape, and your team pays the price in rework.
Underwriting hours burned on rework
Analysts spend their time reassembling files instead of evaluating credit.
Declines walk out the door as pure loss
You spend to acquire and review a borrower, decline, and get nothing back.
No visibility into the broker channel
You cannot see quality or consistency until the package is already on your desk.
What the platform provides
Standardized loan packages
Every package from every broker and borrower arrives in the same complete, consistent shape.
Analysis done before it reaches your desk
AI lendability analysis and cash flow work are complete before you ever see the file.
A broker community you manage
A broker and BDO community with platform-enforced consistency.
Turn-down routing
Declined borrowers move to the brokers in your network instead of walking out the door.
Coverage across the range
Loan evaluations supported from $150K to $20M.
Roadmap
The frontier: lender-to-lender networks.
Syndication, co-lending, and turn-down pass between institutions. This is roadmap, not shipping product, and it is where the network is headed: the early architecture of a lending exchange.
Early partner program
We are seeking 3 to 5 community banks, credit unions, CUSOs, and private lenders to prove the model with us.
Questions lenders ask us
No. We are software. You lend.
Data is encrypted and access is controlled. Our SOC 2 program is underway with technical controls already in place.
Pilot-first. Weeks, not months.
Let's talk about your lending strategy
Tell us about your institution and we will schedule a discussion.