For investors
An AI-enabled market with three sides, built to close more loans.
Zero2Ten brings small business borrowers, commercial brokers, and lenders together on one platform to close more loans and support more businesses. Now in early access. Raising $250K to $500K.
The market, in sourced numbers
$700B+
US small business loans outstanding
Source: Federal Reserve, 2025
36.2M
US small businesses, 99.9 percent of all US businesses
Source: SBA Office of Advocacy
$45.1B
SBA 7(a) and 504 loans approved in FY2025, across roughly 85,000 loans, with the average 7(a) loan about $478K
Source: SBA FY2025
45%
of small businesses applied for financing in the past year; 54 percent did not receive the full amount requested
Source: Federal Reserve Small Business Credit Survey, 2025
29%
of small businesses now use online lenders, and 60 percent of those report higher-than-expected costs
Source: Federal Reserve Small Business Credit Survey, 2025
The thesis in brief
A three-sided platform
Borrowers, brokers and BDOs, and banks, each making the platform more valuable for the others.
Network effects
Every funded loan strengthens the network: more consistent packages, more trusted flow, more routing options.
Capital efficiency
Agentic development delivered a build of this scope for a fraction of traditional cost, by a solo founder in seven months.
The team
Jason Swafford
Founder and CEO/CTO
Built the platform end to end using agentic development.
The numbers behind the story
Unit economics, pro forma, and the financial model live in the investor packet.
Rather talk it through?
We are happy to walk through the model, the roadmap, and the raise directly.
Schedule a Conversation