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.
The market, in sourced numbers
36.2M
US small businesses, 99.9 percent of all US businesses
Source: SBA Office of Advocacy, 2025
$44.8B
in SBA 7(a) and 504 lending in FY2025, across 84,400 loans. 7(a) accounted for $37B across 77,600 loans, and 504 for $7.8B across 6,750
Source: SBA, September 30, 2025
38%
of employer firms applied for a loan, line of credit, or merchant cash advance in the prior year. 60 percent sought financing of some kind
Source: Federal Reserve Small Business Credit Survey, 2026 Report on Employer Firms
42%
of applicants received the full amount they asked for. 36 percent received part of it, and 22 percent received none
Source: Federal Reserve Small Business Credit Survey, 2026 Report on Employer Firms
29%
of applicants sought online or fintech lenders in 2025, up from 17 percent in 2020. 60 percent of those borrowers said the cost was higher than they expected
Source: Federal Reserve Small Business Credit Survey, 2026 Report on Employer Firms
$657B
in bank business loans of $1M or less outstanding, the closest primary measure of the small business credit stock
Source: SBA Office of Advocacy Finance FAQs, 2024 (2023 data)
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