Hey. I am going to walk you through this the way I would walk a friend through it.
Sixteen questions, none of them trick questions, and I will tell you why I am asking each one. No credit pull. When we finish, I will ask for your first name and an email so I can send you a copy of the read. Then I will show you what a lender will see before they see it, and I will show my work.
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.
What the sixteen questions ask about
The Check asks sixteen questions in three groups, the same three things a lender looks at. First, the money: what it's for, how much, when you need it and what you've already done. Then you: your credit range, any partners in the business and citizenship. Then the business: how long it's been open, revenue, earnings and their trend, the documents you have, your debt payments, any cash advance and the cash you can put in.
You answer from what you know, and there's no credit pull. Your credit is a range you pick. Owners who are only refinancing or only exploring get fifteen questions. Before your result shows, we ask for your first name and email. The result is a band (Lender-ready, Close or Groundwork first) with the reasons behind it.
Questions business owners ask us
No.
The Lendability Check, your HQ account, and the tools listed above are free. Anything we charge for is listed on the pricing page before you use it. We do not charge borrowers for lender introductions and we do not take referral fees from lenders.
No. We never pull credit. Lenders may pull credit when you apply with them, and they will tell you when.
Three years of business tax returns, a current profit and loss statement and balance sheet, three years of personal tax returns for each owner, your own copy of your credit report, and a list of what the business already owes. Your HQ workspace asks for each one and shows you what it is used for.
No. Your workspace is yours. Nothing is shared with a lender unless you choose to share it.
No.
Marketplaces collect your information and route you to the lender that fits their arrangement. We start with your numbers, keep the workspace in your hands, and only introduce lenders if you ask, with no fee changing hands.
Most business owners are not on the first pass. Your result shows what is holding you back and the documents that would change it. You keep the workspace and come back when the numbers move.