Apply prepared.
Not guessing.
We help you understand where you stand, get your paperwork in order and compare lender options before you apply — so each application is deliberate.
Concrete, practical help.
- A readiness review of your credit profile, income and recent applications
- A checklist of the documents lenders commonly ask for, organized with you
- Research on lender options that may fit your profile and purpose
- Guidance as you complete and submit applications yourself
To move straight into consulting, we initially look for:
- 680+ FICO score
- No derogatory accounts
- Consistent income
These are Zero Point's own initial consulting-screening criteria — not lender requirements and not a guarantee of approval. If you don't meet them or aren't sure, you still get a manual readiness review.
Clear before you commit.
The initial assessment is free. If you choose to enroll in personal-lending consulting, a 15% consulting fee applies. How that fee is calculated and when it is due are disclosed to you in writing before you enroll.
Lender pricing, fees and terms are set by the lender, not by Zero Point.
Check your personal-loan readiness.
A few questions, about two minutes. No credit pull, no documents, no Social Security number.
ZeroPoint Capital Group provides consulting only. We help you assess readiness, organize documents, explore options and navigate applications. We are not a lender and do not make credit decisions. Independent lenders control eligibility, approval, pricing and funding. You may always apply to lenders directly.
Zero Point Capital and Elev8 Group Ai LLC is not a bank, lender, financial advisor, or loan officer. We do not make lending decisions or provide financial advice. We operate strictly as consultants and educators, guiding clients through funding strategies and available options based on their individual profiles and goals.