Now in early access
Small business borrowing and lending, made simple.
Never lose out on a funding opportunity again. We help more small businesses get funded by removing the friction between borrowers, brokers, and lenders.
The flywheel
Strengthen any side, and the other two get stronger.
The whole system exists for one outcome: more small businesses funded.
When the borrower side is strong
Prepared and organized: lendability known, documents complete, package clean and ready to shop.
The broker gets a borrower worth their time and a package that is ready to shop, not a pile of raw documents to chase.
The lender gets a fast go/no-go and far less re-work, because the analysis is already done and the package is complete.
Hover or tap a side of the wheel to follow its links.
The two clocks
Business owners work on their loan at night, after running their business all day. Bankers work bank hours. Every question becomes a 24-hour round trip, and a Thursday-night question can sit until Monday. That is what turns a 30-day loan into 90.
Zero2Ten's AI agents answer in-app, day or night, so the loan never waits on office hours. That is what makes the whole flywheel spin faster.
- Prepared borrowers create better loan flow
- Better flow attracts more brokers and lenders
- More lenders mean more places to shop one package
- More options bring more borrowers in
Which one are you?
Are you a small business owner who needs funding?
It has never been easier to get your loan package together, understand how much you can borrow, and shop it to lenders. Start here, free.
Sign Up NowDo you help small business owners get funded?
If you service borrowers and match them to the right lender for their situation, we built a turnkey platform to run your business and close more loans.
Learn More →Are you a lender looking to fund more small businesses?
Streamline how your team engages borrowers, get to go/no-go faster, and open new lead flow through broker and BDO relationships.
Learn More →The friction
Willing borrowers. Willing lenders. A broken process in between.
Friction in lending is not caused by unwilling lenders or unwilling borrowers. It is caused by a broken, disconnected process. Zero2Ten collapses that friction at every stage by putting all three parties in one shared engagement, working from one source of truth. Walk the three stages of a loan and see it from every side.
A stack you cannot readily produce
A lender asks for an application, a personal financial statement, personal and business tax returns for every owner with 20 percent or more ownership, plus interim income statements and bank statements if it is mid-year. Most owners do not know where the returns are, do not know a PFS from a debt schedule, and routinely send the wrong year or an incomplete return. Every wrong document is a round trip.
What is cash flow, anyway?
Cash flow is the money moving in and out of your business, and it is the first thing every lender checks: can the business cover its debts with room to spare? A global cash flow analysis looks at the business plus the people behind it, together. It is worth understanding to run your business well, not just to borrow.
Review it all by hand, twice
Manually review every incoming document to catch the wrong and insufficient ones, bounce them back, then re-spread the data by hand in a spreadsheet, run your own cash flow analysis, decide lendability, and relay it back through the loan officer to the borrower. Redundant, and hours per file.
The same work, again, inside the institution
The same redundant analysis burden inside the institution: re-checking documents, spreading financials, building and reconciling the PFS, running the cash flow analysis, and cycling back and forth with the borrower before anyone can say lendable or not.
One upload, validated on the way in
The moment a document arrives, the platform checks it is the right person, the right year, and complete, with every field needed to run analysis, and flags a wrong document immediately instead of days later.
AI extracts the data, runs a global cash flow analysis across the business and all associated individuals, and auto-populates the personal financial statement, pulling liabilities straight from the credit report.
Borrower, broker, and lender all see the same lendability picture at the same time. The hours of redundant re-analysis every party does today collapse into a review.
The same shared engagement carries the loan from the first upload, through the internal analysis chain, to the closing checklist.
Front end collapses the intake re-work. The middle collapses the handoff relay. Back end collapses the email-managed checklist. Same source of truth, three stages.
What you can do here, from where you stand
Borrowers
Start today, free
- Create an account
- Upload your financial information
- Automatic cash flow analysis and lendability read
- Auto-generated personal financial statement
- Build your loan package and shop it to lenders
Brokers and freelance BDOs
- Full broker and freelance BDO CRM
- AI agent assistance for your team
- Create engagements with your borrowers
- AI-supported cash flow analysis, PFS, reconciliation, and loan package creation
- Lender network managementComing soon
Lenders
- CRM capabilities
- AI agent assistance
- Simplified, quick cash flow analysis
- Lendability reporting
- Engage borrowers directly through Lender-to-Borrower integration
- SOC 2 complianceComing soon
For investors
More small businesses funded. Less friction.
The US market holds more than $700 billion in small business loans outstanding (Federal Reserve, 2025) across 36.2 million small businesses (SBA Office of Advocacy). We are building the platform that connects all three sides of it.
The investment case →Get early access
Now in early access. Tell us who you are and we will make sure you get the right access.