Making business capital more intelligent, transparent, and data-driven.
ZenMe Capital is building the AI-powered infrastructure between businesses and funding partners.
Rebuild business capital from the data up.
We’re a technology company first. Everything ZenMe builds starts with the question: can real, verified financial data lead to a better decision than the one traditional underwriting would have made?
ZenScore is the answer we’re building. It’s a transparent, category-broken-down funding readiness signal that reflects how businesses actually operate — not just what they looked like on last year’s tax return. Funding is what comes on top of that intelligence, not the other way around.
Three principles behind every product decision.
Cash flow beats credit history
Historical debt data was never designed to answer whether a business is generating momentum today.
Verified data beats gut feel
Bank-sourced signals produce better underwriting decisions than self-reported spreadsheets.
Modern businesses deserve modern infrastructure
The tooling for capital should feel like the rest of the software modern operators already run.
The stack behind ZenScore.
ZenMe is deliberately built on top of best-in-class infrastructure so we can focus our engineering on the intelligence layer itself.
Mastercard Finicity
Mastercard Finicity powers ZenMe's bank connectivity. It's one of the most trusted open-banking rails available today, used by leading financial institutions across North America. All merchant banking data flows through Finicity's secure, read-only integration.
ZenScore
ZenScore is ZenMe's own proprietary funding readiness signal, built on top of Mastercard Finicity's data and Uptiq AI's infrastructure. It's how live business activity gets translated into a transparent, category-broken-down score that drives every funding decision.
Where we are, and where we're going.
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
Want to work with us?
We’d love to hear from you — whether that’s a partnership conversation, a product question, or a career interest.