The ledger you keep can fund the business.
Lenders run their programs on DayZero. Your books are the application. See the offer, apply in a click, and price the next purchase order against your cash forecast before you place it.
- OffersListed programsEach lender's published terms, shown as the program defines them.
- ApplyFrom your booksThe lender's own underwriting measures your application.
- Fund this POOn the PO screenCash impact and estimated cost, before the order is placed.
See the cash impact of a PO and fund it on the same screen.
Every open purchase order already lands in the 13-week forecast. Fund this PO shows the lowest week with the order paid from cash and with it financed, then the lines with room and what each would cost for the term you pick.
Paid from cash
$196k
Financed, 60 days
$256k
| Line | Available | Est. cost |
|---|---|---|
| Northwind Capital · $250,000 limit | $190,000 | $2,573 for 60 days |
| Estimate | 20% APR simple interest plus a 1% draw fee. The loan opens on the day the card is used. | |
Lenders already on the platform, offered to your business.
A lender lists a program. Businesses on the ledger that do not already hold a line see it, with the limit range, terms, rate and fee the program publishes. DayZero never changes a listed term.
| Program | Terms | Limit |
|---|---|---|
| Northwind CapitalCard-backed lines for product businesses with twelve months of clean books. | 30 / 45 / 60 / 90 days · 20% APR · 1% fee | $10,000 to $1,000,000 |
DayZero keeps the book. The lender moves the money.
Your ledger is the application
Applying starts the lender's flow for your business: connect a bank if you have not, submit, and the lender's scorecard measures it. Applying twice returns the application already in progress.
The lender decides
Underwriting returns each criterion's value against its threshold. The lender records approve or decline, or its auto-approval policy opens the line. DayZero never computes a verdict of its own.
A request is not a loan
Fund this PO files a limit change request when the order exceeds your available credit, or records your intent on the line when it fits. Money moves only when the lender's card is used, one loan per transaction.
Everything posts to the books
Fees, interest, statements and payments land on your ledger the same way every other transaction does, with the same audit trail.
The scorecard travels with you
Share your Trust Scorecard link with the lender. A graded, twelve-month record of clean books is the underwriting file no bank statement can match.
Built on a live program
The same programs, scorecards, cards and statements run a partner's lending book today. The marketplace lists them; it does not reinvent them.
Keep the books that fund the business.
Start with the free five-day pilot. Clean books first; the offers follow.