Small Business Lending Advisory
Commercial lending isn't easy. Zero2Ten gives you the preparation, knowledge, and expert guidance to secure the funding you need — to start, build, grow, or save your business.
Step 1 — Instant Feedback
14 questions. 5 minutes. See where you stand and get your personalized Lendability Report.
Step 2 — Personalized & Free
Ready for a real answer? Our advisory team will personally evaluate your lending position — at no cost.
3 years of personal tax returns, up to 3 years of business tax returns (if the business is active), and a credit report. That's it.
Our advisory team reviews your financials, evaluates your lending position, and builds your personalized lendability score and report — within 2 business days.
We walk you through our findings, explain what lenders will see, discuss your options, and answer every question you have. No pressure. No obligation.
A clear picture of how lending-ready your business is right now, based on real financial data — not a quiz.
A breakdown of your strengths, gaps, and exactly what lenders will focus on when they review your file.
Specific next steps — whether that's applying now, addressing gaps first, or building a longer-term roadmap.
A real conversation with our advisory team. We walk through everything, answer your questions, and help you decide what's next.
No strings attached. The Lendability Assessment is completely free. If you decide to continue working with us, great. If not, you walk away with real insights about your business.
The Real Problem
Small business owners are the hardest working people out there. You're delivering goods and services to your customers every single day. You're working in your business — which is exactly where you should be.
But commercial lending isn't like getting a car loan. A bank isn't just checking your credit score and income. They're investing their depositors' money into your business — and they treat it like an investment. They dig into the financials, cross-check every document, and need to see that you understand how to run a successful business. Tax returns, credit reports, debt schedules, business plans, proformas, sometimes resumes and rent rolls — reviewed by specialized teams who ask hard questions.
Neither side is wrong. You're busy doing what you should be doing. The bank is doing what they should be doing. The problem is the gap between those two realities — and nobody bridges it.
Here's What Most People Miss
The things that make you a good borrower are the same things that make you a successful business owner.
Getting ready for a loan isn't just paperwork. It's the process of truly understanding your business — the same understanding that separates businesses that survive from businesses that thrive.
We speak banker and business owner because we've been both. We are business owners, and we've helped hundreds of business owners through the lending process. The lenders in our network know it — when they see a Zero2Ten package on their desk, they know it's been pre-underwritten, organized, and ready to review. They look forward to working with our clients.
We bridge the gap between where you are and where lenders need you to be.
Our systematic approach accelerates the lending process and demystifies it. Our advisory work streamlines everything and ensures nothing falls through the cracks.
The right money. The right terms. The right timeline.
How We Bridge the Gap
Four pillars that turn unprepared borrowers into funded business owners.
Our platform closes the gap on the hardest part of lending — getting your stuff together. Document collection, financial statement generation, cash flow insights, and loan package preparation.
Stop scrambling. Start prepared.
Training programs that dive deep into how commercial lending works — what banks look for, how they evaluate you, what makes a strong package, and why certain numbers matter.
Understand the game so you can play the game.
You do the work — we make sure you're doing it right. Document reviews and feedback, milestone check-ins, and 24-hour email support to keep you on track.
You drive. We navigate.
Hands-on engagement management from kickoff to closing. Pre-underwriting, financial setup, blemish response support, lender meetings alongside you, and complex deal coordination.
This isn't coaching with extra steps. It's a different level.
Step 3 — After Your Free Assessment
After your free Lendability Assessment and guidance session, you'll know exactly where you stand. From there, choose the level of support that fits.
"I know what I need to do — give me the tools."
"Coach me through it — keep me on track."
"I want an extension of my team."
Every path starts with a free Lendability Assessment. No commitment until you're ready.
Did You Know?
80% of loan rejections aren't about the business — they're about how the application was prepared.
Did You Know?
Equipment dealer financing runs 8–15% APR. The right loan structure can cut that by more than half.
Did You Know?
"Free" brokers charge 2–4 points at closing. On a mid-size loan, that's $10K–$20K out of your pocket.
If you're not lendable today, that's not a rejection — it's a starting point. We show you exactly what needs to change, build a plan to get there, and give you the tools to make it happen.
Every business has a path to funding.
Some paths are longer. We walk them all.
5 minutes. No commitment. Just clarity.