Business funding built around your cash flow.
Securely connect your business banking, receive your AI-powered ZenScore, and unlock personalized funding opportunities — all from one intelligent platform.
$20K – $1M
As Fast as 24 Hours*
*Funding amounts, offers and timing vary based on business qualifications, underwriting, application completeness and funding partner approval. Funding is not guaranteed.
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Trusted Financial Infrastructure
Your business has a score. It just isn’t based on credit.
ZenScore is ZenMe's proprietary AI-powered funding intelligence engine. It analyzes your real business performance — cash flow, deposits, balances, growth — to reveal your true funding readiness.
- Monthly Revenue+18% MoM
- Deposit ConsistencyExcellent
- Avg Daily Balance$42,180
- Cash Flow StabilityVery Stable
What ZenScore analyzes
Six live signals that continuously refine your funding readiness picture.
Real-Time Cash Flow
Continuous view of inflows and outflows straight from your business bank.
Deposit Patterns
Regularity, sources, and consistency of customer payments over time.
Revenue Growth
Month-over-month trend velocity and directional signal quality.
Balance Trends
Average daily balance movement and available liquidity profile.
Business Longevity
Operating tenure, transaction depth, and account maturity signals.
Risk Signals
Volatility, overdraft frequency, and other early-warning indicators.
ZenScore is not a credit score. It is a business health indicator built from real financial activity and continuously improves as our underwriting models evolve.
From bank connection to funding, in six steps.
A streamlined path from onboarding to matched funding opportunities — powered by secure banking data and AI underwriting.
- 01
Join the Waitlist
Reserve your spot for early access — we'll notify you the moment we're live.
- 02
Connect Your Bank
Securely link your business bank account via Mastercard Finicity.
- 03
AI Analysis
Revenue, deposits, balances, and cash flow are analyzed in real time.
- 04
Get Your ZenScore
Generate your funding readiness profile with clear, actionable insights.
- 05
Apply for Funding
Complete a streamlined application powered by verified banking data.
- 06
Match with Partners
Qualified businesses are matched to relevant funding opportunities.
Built on trusted financial infrastructure.
ZenMe never asks for online banking credentials directly. All bank connections are securely facilitated through Mastercard Finicity — one of the world’s leading open banking providers. Your financial data is encrypted end-to-end and used solely to generate funding insights.
Mastercard Finicity Integration
Bank connectivity handled by one of the world's leading open-banking providers.
Bank-Level Security
Segregated storage, hardened infrastructure, and continuous monitoring.
Encrypted API Connections
All service-to-service traffic is authenticated and encrypted end-to-end.
Credentials Never Stored
ZenMe never asks for online banking credentials or stores your bank passwords.
Everything you need to understand your funding potential.
A complete toolkit for modern operators — from banking-level analytics to matched funding — all in one intelligent workspace.
AI-Powered ZenScore
Real-time funding readiness intelligence built from live business signals.
Funding Readiness Insights
Understand exactly where your business stands and what to improve next.
Revenue Analytics
Detailed revenue breakdowns, growth velocity, and channel performance.
Cash Flow Trends
Inflow / outflow trajectories with volatility and stability scoring.
Funding Dashboard
One unified view of applications, offers, and matching progress.
Secure Document Storage
Encrypted vault for tax returns, licenses, and financial statements.
Simple Application
Pre-filled forms powered by connected banking data — minimal typing.
Real-Time Updates
Live status changes for applications, matches, and partner responses.
Personalized Funding Offers
Offers tailored to your business profile, tenure, and cash flow shape.
A financial intelligence platform in your pocket.
From your ZenScore to matched funding offers to a secure document vault — every workflow, one tap away.
Funding Offers
Matched to your ZenScore
Documents
Funding Offers
Matched to your ZenScore
Built differently.
Traditional funding asks:
“What happened last year?”
ZenMe asks:
“How is your business performing today?”
Traditional underwriting relies heavily on historical documents and static financial snapshots. ZenMe combines AI, live banking insights, and structured business data to build a more complete understanding of funding readiness — one that recognizes momentum, not just history.
Access verified businesses — not cold leads.
ZenMe is building one of the largest verified small-business funding ecosystems. Every merchant profile is structured around secure financial data, AI-powered underwriting insights, and complete documentation.
- Working Capital46%
- Growth Line32%
- Inventory22%
The future of business capital.
Where ZenMe is today, what's shipping next, and the ecosystem we're building for the long term.
Foundation
- Merchant onboarding
- Mastercard Finicity integration
- ZenScore engine
- Funding applications
- Admin platform
Expansion
- Repayment monitoring
- ZenScore validation loops
- Funding partner portal
- Marketplace beta
- SaaS platform
Ecosystem
- Open marketplace
- Embedded finance
- Automated underwriting
- Partner subscriptions
- Capital APIs & national expansion
Common questions.
Straight answers about ZenScore, how bank connections work, and where ZenMe fits in the funding ecosystem.
Your business already tells a story.
ZenMe helps translate it.
Join the next generation of business capital infrastructure.