For banks, credit unions, CUSOs, and private lenders
Streamline how your team engages borrowers, get to a go/no-go decision faster, and collect cleaner information from every borrower and broker you work with.
Today your team collects documents from borrowers however your current systems allow. With Zero2Ten, borrowers and your team work in one safe, shared place. Using Lender-to-Borrower integration, you collect the information, let AI analyze it, generate a first-pass lendability read, and produce a report that gives your team a clear go/no-go, quickly.
The friction for a lender starts with determining whether someone is lendable. Small business owners often arrive unprepared and cannot get their financials together. Point them to Zero2Ten to collect and organize their information, made transparent not just to the borrower but back to your team.
The platform supports underwriting itself: validating personal financial statements and spreading financials after tax return, credit report, and document analysis.
Once a term sheet is issued, your lending team gets a simplified interaction point where closing tasks and deliverables are organized and collected from the borrower in preparation for closing, all in one auditable platform.
For lenders who want to work with brokers and freelance BDOs, there is no better platform to standardize on. Consistent packages from all your brokers mean your team compares apples to apples and decides faster.
The friction
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 lender asks for a loan request form, 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.
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 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.
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.
No. We are software. You lend.
Data is encrypted and access is controlled. Our SOC 2 program is underway with technical controls already in place.
Pilot-first. Weeks, not months.
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.