6 factors
The six things every lender checks first
Coverage, credit, leverage, injection, time in business, revenue. The read scores each one the way a bank does, and tells you which one is holding the number down.
Read: what banks need in 2026
Free. About three minutes. No credit pull.
Find out what a lender will see, before they see it.
Sixteen questions with a banker who spent fifteen years on the other side of the desk. You get a rough read on where you stand, a realistic date for the money, and the first thing to do about it.
Zero2Ten is not a lender. The read is an educational estimate, not a loan offer.
The BankerFifteen years on the other side of the desk
Most owners find out they were not lendable from a decline letter, after the bank has your file and your time. Let’s not do it that way.
What the bank is actually looking at
Three things that decide more loans than your credit score.
2 clocks
Timing kills more loans than credit
Your date and the bank’s date are rarely the same. The read puts both on one timeline, shows the gap, and tells you what closes it.
Read: the two clocks in every loan
1.30x
What easy money actually costs
A merchant cash advance quotes a factor, not a rate. We show the daily draw and the real cost in your numbers, so if you take one, you take it with your eyes open.
Read: easy money versus lendabilityHow the read works
Page by page, you build a file. Then the banker reads it back to you.
Answer sixteen questions
The money, you, and the business. Plain language, one question per page, in the order a banker would actually ask them.
Get the read
Where you stand against what lenders look at, your realistic funding date next to the one you wanted, and the first thing to fix. Nothing scored behind a curtain.
Open a free workspace
One password and your file is waiting in Zero2Ten HQ: upload the documents, watch the read become real, and book fifteen minutes with Jason if you want a human in the loop.
The other front door
Do you send clients to lenders? Or are you one?
Accountants, attorneys, brokers, consultants, and real estate professionals get a code that sends a client through the same Check and shows you where they stand. Brokers and lenders run their whole book on the platform.
Business loans, explained by someone who made the decisions
Questions business owners ask us
Is Zero2Ten a lender?
No. We do not lend, broker, or make credit decisions. We show you what a lender will look at and help you get your file ready. Any lender introduction happens at your request.
Will you pull my credit?
No. The Check is self-reported. You tell us the range you know your score sits in, and we take you at your word. A real report comes later, in your workspace, when you choose to upload it.
What does this cost?
The Check is free. The workspace is free for a limited time. There is no card and no contract.
What if the read says I am not ready?
Then you found out from us, not from a decline. The read names the first thing to fix, and the workspace tracks it until the number moves.
Zero2Ten LLC provides software and educational tools for small business owners preparing for financing. Zero2Ten is not a lender, does not broker loans, does not make credit decisions, and does not guarantee loan approval or terms. Lendability results are educational estimates based on information you provide and are not loan offers, credit decisions, or pre-approvals. Any lender introduction is at your request and lenders make independent decisions under their own criteria.