Bridging the Lending Chasm
The hard truth? Small business owners speak the language of their trade or business. Lenders, on the other hand, speak the language of lending. In the chasm between them, valuable opportunities are lost every day.
America runs on small business. Small business runs on capital.
For 15 years, we've witnessed the same story play out across the country: brilliant entrepreneurs with viable businesses struggling to secure the funding they need—not because their ideas lack merit, but because the financial world speaks a different language.
The funding gap isn't just a challenge. It's a crisis of translation.
While we've successfully helped thousands of small businesses secure critical financing, countless others have watched their growth opportunities vanish in the communication breakdown between Main Street and Wall Street.
At ZYQ.ai, we're bridging this divide.
The result? More approvals. Faster funding. Stronger businesses.
Discover how we're revolutionizing small business lending and empowering America's economic engine, one successful funding story at a time.
Small Business Owners
Lenders
ZYQ.ai isn't just another lending platform. We're veterans of commercial lending who've spent time in the trenches, witnessing firsthand how a broken system fails the very entrepreneurs who drive our economy.
Our mission is radically simple: make it easier for lenders to lend and borrowers to borrow.
This time in the trenches has given us a unique perspective on lending. By working closely with both lenders and borrowers, we've developed insights that put us in the perfect position to solve the small business lending dilemma. We understand the challenges from both sides of the equation.
The technology is finally here. The expertise is definitely here.
The future of small business funding starts now.
The Lending Chasm
Where small business dreams get lost in translation
Small Business Owners
- •"I need $50k for a new truck"
- •"Business is good, customers love us"
- •"I've been in business for 5 years"
- •"I can pay it back in 2 years, no problem"
Lenders
- •"What's your EBITDA and debt service coverage ratio?"
- •"I need 3 years of financial statements"
- •"What's your current leverage ratio?"
- •"We need detailed cash flow projections"
ZYQ.ai bridges the gap
Translating between the languages of trade and finance
Introducing ZYQCore
The first step in bridging the lending chasm
Streamlined Lending Project Management
ZYQCore brings efficiency and security to commercial lending operations with powerful tools for document collection, management, and distribution.
Secure File Requests
Streamline the collection of documents from borrowers with secure, automated file requests and tracking.
Document Management
Centralize and organize all loan-related documents in a secure, searchable repository.
Secure Lending Package Sharing
ZYQCore features a secure landing page for sharing private borrower information with staff, committee and other prospective lending partners.
Security and Efficiency at the Core
ZYQCore prioritizes the security of sensitive financial information while streamlining the lending process from start to finish.
Frictionless Lending Process
Our commitment to eliminating friction from all aspects of the lending process while maintaining the highest standards of privacy and security.
The Future: SmartAgent Technology
ZYQCore sets the foundation for our next innovation - SmartAgent technology that will bring advanced AI capabilities to small business lending.
SmartAgent
AI-powered lending assistants
Translating Between Two Worlds
Our roadmap includes developing SmartAgent technology that will leverage artificial intelligence to translate between the language of small business owners and the language of commercial lending.
24/7 Personalized Guidance
Round-the-clock support to guide borrowers through the entire lending process, answering questions and providing assistance whenever needed.
Translation of Lending Terms
Borrowers don't speak lender. SmartAgents translate complex financial terminology into language business owners understand.
Documentation Assistance
Help collecting, organizing, and submitting required financial and business documentation, saving time for busy business owners.
After-Hours Support
Business owners often work on loan applications outside banking hours. SmartAgents are available when they need help most.
Personal Financial Construction
Automatically build personal financial statements from existing tax returns and credit reports, reducing errors and saving time.
All these improvements increase the likelihood of getting a loan.
Want to explore more of our future innovations?
Visit ZYQLab to see what's on the horizonThe Future: Lending Exchange
A Lender-to-Lender Exchange that transforms turndowns into opportunities and expands access to capital
Transforming Declines into Approvals
So often the complexity of the deal or a simple mismatch of lender risk profile and borrower industry or other metric results in a decline. These declines are often thrown back to the borrower to start over, the result is lost opportunity for borrower and originating lender. The Exchange changes that.
With access to a network of lenders on the exchange, lenders can refer turndowns, de-risk loans, or otherwise meet lending criteria through partnership within their lending network on the exchange. The result is more funding—a win-win for lenders and borrowers.
Turndown Referrals and Monetization
Convert declined applications into revenue opportunities by referring them to compatible lenders.
Co-lending and Deal Syndication
Share risk and collaborate with other lenders to fund larger or more complex deals.
Expanded Access to Funding
Connect borrowers with a broader lending network to increase approval rates and funding options.
Lender Network Collaboration
Build relationships with complementary lenders to create a more robust lending ecosystem.
Lending Exchange
Connecting lenders, expanding opportunities
Interested in learning more about the Lending Exchange and other upcoming features?
Explore ZYQLab for a deeper look at our innovation pipelineInvestment Opportunity
Join us in transforming the commercial lending industry with innovative AI-powered solutions.
$1+ Billion
Market Opportunity
30,000 lenders and brokers in the US
30%
Growth Potential
AI in banking growing at 30% CAGR through 2030
$500k-$1M
Target Raise
Initial funding to accelerate product development and market expansion
50+
Team Expertise
Leadership team with 50+ years combined experience in commercial lending and technology experience
Why Invest in ZYQ.ai?
- •Production-ready ZYQCore product with market validation
- •Strategic roadmap for AI integration with SmartAgent technology
- •Experienced leadership team with deep industry expertise
- •Addressing a massive market with significant inefficiencies
- •Scalable business model with recurring revenue potential
Ready to Learn More?
Schedule a meeting with our team to discuss investment opportunities and receive our detailed investor presentation.
Our Leadership Team
Experienced professionals with deep expertise in fintech, AI, and commercial lending
Send Us a Message
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