1/0 Capital

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

Viral Shah

Partner

22 past transactions

Span

Series A in 2020
Span.IO develops products to enable the rapid adoption of renewable energy and deliver an intuitive interface for the home. They are a group of engineers with a passion for building products that can deliver a positive impact on the environment while enhancing the consumer experience. They believe that developing intelligent hardware and software that provides visibility and control at the edge of the grid will be transformational to the energy sector. The company is backed by domain experts in energy, software, hardware, and consumer finance. They leverage their teams' collective experience in power generation, energy conversion, controls, and system integration to develop core products focused on enabling the rapid adoption of renewable energy.

Climb Credit

Series A in 2019
​​Climb (NMLS# 1240013) is an innovative student payment platform that makes career-focused education more accessible and affordable. Driven by a mission to empower individuals to unlock their potential – no matter their credit profile – Climb identifies programs and schools that offer skill-based training programs, then provides learners with payment options that are structured to meet the unique needs of those seeking career training. Recognizing the dynamic and diverse nature of a rapidly-changing economy, Climb partners with schools that teach everything from cybersecurity to healthcare training, heavy machine operation to data science, and culinary arts to AI & Machine Learning. While status quo education pathways are struggling to meet the real-world needs of students and prospective employers, Climb and its partner schools are committed to an inspiring practicality that helps bridge the gap between people looking for career training and companies looking to build a skilled workforce.

abillion

Seed Round in 2019
Our company's name embodies our vision for the world, to make sustainable choices second nature for a billion people. abillion has helped millions of people worldwide discover community and impact through vegan food, sustainable products and a growing network of people championing sustainability. We've launched the world's first peer-to-peer marketplace dedicated to sustainability, and we've helped more than 250,000 businesses globally reach consumers most likely to purchase their products and services. Our culture reflects our community – we have an incredibly diverse team from nearly 20 nationalities and over half of our team are women. We're unapologetic about our work ethic, because our mission is to create a world that's seemingly impossible to imagine but so incredibly beautiful if we bring it to life.

Span

Seed Round in 2018
Span.IO develops products to enable the rapid adoption of renewable energy and deliver an intuitive interface for the home. They are a group of engineers with a passion for building products that can deliver a positive impact on the environment while enhancing the consumer experience. They believe that developing intelligent hardware and software that provides visibility and control at the edge of the grid will be transformational to the energy sector. The company is backed by domain experts in energy, software, hardware, and consumer finance. They leverage their teams' collective experience in power generation, energy conversion, controls, and system integration to develop core products focused on enabling the rapid adoption of renewable energy.

GRID

Angel Round in 2018
GRID is a spreadsheet technology company redefining how spreadsheets integrate with modern applications. At its core is a powerful independent spreadsheet engine, built for complex calculations, dynamic visualizations, and seamless AI integration.

Plentific

Series A in 2018
Plentific empowers landlords and property managers to deliver more efficient repairs and maintenance services. Plentific is a purpose-driven technology business. Since 2013, the company works with trade professionals and their property partners to transform their processes and the communities they serve. The company's platform and the marketplace is currently in use by landlords and property managers across residential, commercial and social applications throughout the United Kingdom, United States and Germany. Plentific was founded by Emre Kazan and Cem Savas to make it easy to find reliable trade services and manage property repairs and maintenance. The pair believed property management could and should be better - for local trades specialists, property managers and tenants.

abillion

Pre Seed Round in 2018
Our company's name embodies our vision for the world, to make sustainable choices second nature for a billion people. abillion has helped millions of people worldwide discover community and impact through vegan food, sustainable products and a growing network of people championing sustainability. We've launched the world's first peer-to-peer marketplace dedicated to sustainability, and we've helped more than 250,000 businesses globally reach consumers most likely to purchase their products and services. Our culture reflects our community – we have an incredibly diverse team from nearly 20 nationalities and over half of our team are women. We're unapologetic about our work ethic, because our mission is to create a world that's seemingly impossible to imagine but so incredibly beautiful if we bring it to life.

OpenFan

Convertible Note in 2017
OpenFan is arming every business -- small, medium and large -- with Amazon-level customer intelligence. Our analytics platform and data feed surface powerful and actionable consumer insights based on SKU-level purchasing history at more than 1,000 retailers.

Jiko

Pre Seed Round in 2017
Jiko is a new type of bank built on US Treasury bills to unlock unprecedented yield, safety, and scale through direct products and an embedded finance API. Jiko removes the limits of traditional banking to create a new paradigm for building financial success at the scale and speed of today’s economy. Headquartered in San Francisco with offices in NYC and Reykjavik, Jiko's vertically integrated financial institution combines its nationally chartered bank and registered broker-dealer to hold cash as T-bills – all in safe custody. Learn more at www.jiko.com.

Six Trees Capital

Series B in 2016
Six Trees Capital invests in technology that helps make improved financial systems. Their flagship service, Max, helps individual investors earn substantially more on the cash portion of their portfolios by harnessing the efficiencies of online banking. It was founded in 2013 and headquartered in New York, United States.

Better.com

Series A in 2016
Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.

Future Finance

Series B in 2016
Future Finance is a non-government lender that offers student loans. Its mission is to provide loans for students that are simple, straightforward, and based on where they're heading, not where they've been. Future Finance helps students focus on what matters. Therefore, it aims to ensure everyone has the freedom to focus on their studies or kickstart their career whatever their financial background may be. It was founded in 2014 by Brian Norton and Vishal Garg and is headquartered in Dublin.

PeerIQ

Debt Financing in 2016
PeerIQ is a New York-based financial information services company that is creating tools to analyze, access, and manage risk in the peer-to-peer lending sector. We pool detailed loan data to provide authoritative, independent analytics and benchmarks that our institutional clients use to price instruments, value loan portfolios, develop investment views, and manage risk. PeerIQ aims to strengthen the P2P sector by increasing transparency, enabling efficient risk management, and providing analytics that support better investment decision-making.

Trumid

Series B in 2015
Trumid is a financial technology company building a trading network. The company optimizes the credit trading experience by combining agile technology and market expertise, with a focus on product design.

Climb Credit

Seed Round in 2015
​​Climb (NMLS# 1240013) is an innovative student payment platform that makes career-focused education more accessible and affordable. Driven by a mission to empower individuals to unlock their potential – no matter their credit profile – Climb identifies programs and schools that offer skill-based training programs, then provides learners with payment options that are structured to meet the unique needs of those seeking career training. Recognizing the dynamic and diverse nature of a rapidly-changing economy, Climb partners with schools that teach everything from cybersecurity to healthcare training, heavy machine operation to data science, and culinary arts to AI & Machine Learning. While status quo education pathways are struggling to meet the real-world needs of students and prospective employers, Climb and its partner schools are committed to an inspiring practicality that helps bridge the gap between people looking for career training and companies looking to build a skilled workforce.

Toast

Seed Round in 2015
Toast is a South East Asian money transfer service enabling people to send any amount of money to the Philippines with ease. Money transfers can be sent and received via mobile phone, eliminating the necessity to queue up in order to send money or wait for days to receive it. Simply deposit money via bank deposit or a TOAST prepaid top-up card – and take advantage of zero hidden fees. Customers also place their first transfer free of charge. Finally, all funds and data are extremely secure thanks to bank grade hardware security and multi-signature digital currency wallets.

Paribus

Seed Round in 2015
Paribus specializes in the fields of e-commerce, analytics, start-up, and consumer tech. Paribus refunds its customers money when they buy something online and it goes on sale later, stores guarantee to pay their customers the difference back. It was founded in 2014 and headquartered in New York, United States.

Mighty

Seed Round in 2015
Mighty is a portal that supports the parties involved in personal injury lawsuits to help the victims in such cases get more justice. Mighty has received funding from a group of top investors, including IA Ventures and Tribeca Venture Partners. It was founded by Joshua Schwadron in 2014 and is based in New York City, NY.

Six Trees Capital

Venture Round in 2015
Six Trees Capital invests in technology that helps make improved financial systems. Their flagship service, Max, helps individual investors earn substantially more on the cash portion of their portfolios by harnessing the efficiencies of online banking. It was founded in 2013 and headquartered in New York, United States.

PeerIQ

Seed Round in 2014
PeerIQ is a New York-based financial information services company that is creating tools to analyze, access, and manage risk in the peer-to-peer lending sector. We pool detailed loan data to provide authoritative, independent analytics and benchmarks that our institutional clients use to price instruments, value loan portfolios, develop investment views, and manage risk. PeerIQ aims to strengthen the P2P sector by increasing transparency, enabling efficient risk management, and providing analytics that support better investment decision-making.

Six Trees Capital

Venture Round in 2014
Six Trees Capital invests in technology that helps make improved financial systems. Their flagship service, Max, helps individual investors earn substantially more on the cash portion of their portfolios by harnessing the efficiencies of online banking. It was founded in 2013 and headquartered in New York, United States.

Better.com

Seed Round in 2014
Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.
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