1/0 Capital builds and invests in companies at the nexus of consumer credit and technology.


We’ve grown a portfolio of companies addressing major problems in consumer credit: enabling lending in novel educational markets, streamlining the mortgage application process, and providing advanced analytics on asset-backed securities and whole loans.

Better Mortgage

Buying, borrowing for, and investing in residential real estate today is a frustrating, opaque and paper-intensive process that often takes over 6 weeks. Better Mortgage is improving the search, transaction and financing process for housing for all Americans, in an era where everything else is increasingly transparent, on-demand and digital.

Climb Credit

Climb funds alternative education, including high-quality coding bootcamps, MOOCs, and certificate programs, and is now the fastest growing education finance company in the United States. It is the first aligned-incentive student loan platform where schools, investors, and students share in the risks and rewards of higher education, all with a focus on increasing the return on education for students.

Penguin Pay

Penguin Pay is a mission-driven prescription financing company targeting the 25 million Americans skipping doses, taking less medication, or delaying refilling prescriptions due to cost. Penguin Pay combines expertise in healthcare, finance, and technology to offer patients a no-interest alternative to payday loans or high-interest credit cards.

Notable Finance

Notable builds tailored programs that enable platform businesses to invest in their own stakeholders and customers to create shared opportunities for growth. We combine expertise in design, technology, underwriting, servicing, and capital markets to offer a robust all-in-one solution that empowers partners and delights borrowers.


TheNumber is a revolutionary data analytics platform for RMBS and whole loan credit investors and legal clients. By fusing and visualizing data from both traditional vendors and open source feeds, the platform surfaces otherwise unavailable loan-level insights to inform investment and litigation strategies.

Phoenix ABS

Phoenix ABS was started to better understand the composition of real-estate backed securities. Having compiled one of the largest datasets of real estate and consumer information, comprised of real-time data from a plethora of sources, the Phoenix ABS platform accurately analyzes, predicts and optimizes the performance of loans and securities for governmental agencies, insurance companies, hedge funds and private real estate investors.

Future Finance

Launched in 2013 to fund Europe’s €50 BB+ annual education finance gap, Future Finance is now the largest and fastest growing non-government student lender in Europe. Future Finance brings to bear over a decade of industry experience and insights to shape the nascent private student loan market in Europe and provide transformative education finance to millions.


Tridster is a price comparison marketplace for title insurance and settlement services that connects real estate consumers with title providers, empowering homebuyers and homeowners to discover significant savings on their home purchase, sale, or refinance closing costs.


We invest capital in companies that share our vision of adding transparency and efficiency to the consumer credit industry.

Career Concept

Career Concept is the world's largest funder of human capital contracts, wherein students exchange a fraction of their future income in exchange for capital to fund education. It has provided over 2,000 students over EUR 24 MM in funding for higher education, financed by a number of prominent European family offices and financial institutions.

Fenway Summer

Founded by Raj Date, the former Deputy Director of the Consumer Finance Protection Bureau, Fenway Summer is a unique consumer credit advisory and investment business.


Mighty provides funders an all-in-one platform to manage and grow their businesses, ultimately helping plaintiffs get fairer outcomes.


Paribus is a free service that gets online shoppers their money back when prices fall. The Paribus Receipt Fetcher identifies receipts from online purchases in the user’s inbox and automatically files price adjustment claims whenever the shopper is eligible, keeping 25% of what is earned.


PeerIQ is a financial services company creating proprietary tools to analyze, access and manage risk in the peer-to-peer lending sector.


GRID is a SaaS solution empowering every-day spreadsheet users to turn their creations into modern web applications without learning any new skills


Find a home. Find a pro. Get it done. Plentific is helping homebuyers and owners connect to agents and the right home professionals.


Toast is a Peer 2 Peer money transfer application that allows Filipinos in Hong Kong to remit money back home directly from a smartphone without the need to utilise existing banking infrastructure or queue up at a Money Transfer Shop on your day off.


TruMid is a revolutionary electronic trading marketplace for corporate bonds designed to increase liquidity in the credit markets.


Started in 2005, Zopa is a pioneer in peer to peer lending in the United Kingdom, with over GBP 660 MM lent to over 80,000 consumers from over 57,000 investors.

Portfolio Company News

Better Mortgage

Better.com Awarded NerdWallet’s Best Mortgage Lender for Refinance 2020 - VIA NBC
Online mortgage lending platform Better.com fighting bias - VIA CNBC
7 Innovative Startups to Watch in 2020 - VIA Inc.
Minority Home Buyers Can Get Better Mortgage Rates From Algorithms - VIA Fortune.
2019 HW Vanguard: Vishal Garg Better.com CEO - VIA Housingwire
Mortgage Lender Better.com Grows Series C Funding Round to $160M - VIA Fortune
At 26 Years Old He Brought His First Company Public And Now Built A $550 Million Business - VIA Forbes
Ally Financial Partners with Better.com to Create End-to-End Digital Mortgage Experience - VIA PR Newswire
Better Mortgage Secures $70 Million in Series C Funding from American Express Ventures and the Healthcare of Ontario Pension Plan - VIA PR Newswire
How Better Mortgage motivates employees, without commissions - VIA National Mortgage News
Better Mortgage Triples Loan Volume in 2018 as Mortgage Industry Contracts - VIA PR Newswire
Best Places to Work 2018 - VIA Crain's New York Business
Benzinga Global Fintech Award Winners: Best Diginal Mortgage Solution - VIA Benzinga
Lender Better Mortgage Gets New Kleiner Perkins Funding Valuing Firm at $220 Million - VIA Wall Street Journal
Online Lender’s Secret to Success: Past Failure - VIA Wall Street Journal
Better Mortgage Secures $30 Million In Funding From Goldman Sachs, Pine Brook, KCK Group, And IA Ventures - VIA Yahoo Finance

Climb Credit

The 100 Women Building America’s Most Innovative and Ambitious Businesses - VIA Inc.
Climb Credit CEO Angela Ceresnie Discusses Bridging the Gap Between Education and Employment - VIA Lendedu
Climb Credit Announces $9.8 Million Series A to Address the Student Loan Crisis With New Loan Structures. - VIA Climb Credit
Student Loan Startup Climb Credit Raises $50 Million From Goldman Sachs - VIA Corbes
Climb Credit looks to transform student lending with a new business model based on graduate success - VIA TechCrunch
Taking the risk-return ratio of education seriously, a fintech startup tries to shake up American student loans - VIA Economist
Climb Credit looks to transform student lending with a new business model based on graduate success - VIA TechCrunch


Embark Acquires New Admissions Clients From DecisionDesk - VIA PR Newswire
Embark CEO named to Crain’s New York 40 under 40 (2016) - VIA Crain's
Embark’s President, Sarita James, recognized by the Geekettes, an international organization for women in tech (5/28/2015) - VIA NYC Geekettes
Harvard profile of Embark’s President, Sarita James (3/18/2015) - VIA Harvard Alumni

Notable Finance

Brokerage Compass starts offering an easier, less expensive way to get a bridge loan - VIA CNBC


Alarm Sounded over Storm Damage - VIA Asset Backed Alert
Big Data Tells Mortgage Traders an Amazing Amount About You - VIA Bloomberg

Fenway Summer

The unsexiest trillion-dollar startup - VIA TechCrunch
Entrepreneurial Hustle: Limitless Driver of Global Prosperity - VIA Medium

Future Finance

Future Finance has secured €23m in fresh funding- VIA Fora
Future Finance promotes Olga Dolchenko to CEO- VIA Cison
For students in financial peril, is Europe’s biggest student lender the solution?- VIA The Memo
Students made ill by cash worries - VIA The Times
UK students’ mental health affected by financial worries - VIA Times Higher Education
Students’ concern over finances is affecting their mental health, says poll - VIA Independent
Online student loans provider applies for consumer credit licence - VIA Independent.ie
Is old tech putting banks under threat of extinction? - VIA BBC


This Startup Aims to Save You Money When Prices Drop Online - VIA NBC News
Up & App ‘Em: Save money while shopping — without all the legwork - VIA ABC News
#TechTuesday: Save money with Paribus app - VIA CBS 12
Paribus Can Save You Money When Online Prices Drop - VIA TechCrunch


Making sense of the lending industry’s rapid changes - VIA TechCrunch
The mercurial nature of P2P lending - VIA TechCrunch
The online lending scare - VIA The Washington Post


GRID closes $3.5M seed funding - VIA Homepage
Excel — a Domain Specific Language for Finance? - VIA Medium
GRID closes $1M angel round - VIA Homepage


A leg up the ladder: A new property site aims to help first-timers onto that daunting intitial step - VIA The Sunday Times
Is this the end of the traditional High Street estate agent? - VIA Independent
UK Startup Aims To Take The Pain Out Of House Purchase - VIA Forbes


Inside An Ambitious, Sometimes Maddening, Quest To Save The Internet - VIA Fast Company


Top bond trading startups - VIA Trade Streaming
Unlocking Liquidity: Leveraging the Network Effect in OTC Bond Trading - VIA Tabb Group
26 fintech startups in NYC that are shaking up finance - VIA Built in NYC
The Changing Faces of Electronic Fixed-Income Trading - VIA Waterstechnology
With New Trading Platform, TruMid to Launch ‘On-Demand' Trading Sessions - VIA Waterstechnology
TruMid Announces Capital Raise Led By Peter Thiel - VIA Business Wire


Lending services revolution piles pressure on banks as fintech sector grows - VIA Financial Times
Grandparents spend a quarter of their time looking after the kids - VIA The Sun
Zopa chief reveals plans to disrupt banks - VIA FT Adviser
Zopa doubles revenue in peer-to-peer boom - VIA Telegraph


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