What is Zero?
Founded in 2014 and headquartered in Tulsa, Oklahoma, Zero operates as a dedicated credit card platform specifically engineered for the healthcare sector. The company addresses the persistent friction in medical payments by covering upfront costs, thereby providing patients with a more manageable financial experience while ensuring providers receive timely compensation. This model effectively bridges the gap between complex medical billing cycles and consumer-facing credit solutions, positioning Zero as a vital player in the health-fintech vertical.
The company's growth trajectory has been marked by a disciplined approach to capital acquisition, moving from early-stage venture backing to more sophisticated debt financing instruments. This evolution reflects a robust business model capable of scaling within the highly regulated and capital-intensive healthcare industry.
How much funding has Zero raised?
Zero has raised a total of $7.2M across 2 funding rounds:
Series A
$7M
Debt
$150K
Series A (2019): $7M with participation from Revolution’s Rise of the Rest Seed Fund and George Kaiser Family Foundation
Debt (2020): $150K led by PPP
Key Investors in Zero
Revolution’s Rise of the Rest Seed Fund
A venture capital firm focused on investing in high-growth startups located outside of traditional coastal tech hubs.
George Kaiser Family Foundation
A philanthropic organization that provides strategic capital to initiatives and businesses aimed at economic development and community health.
PPP
Public-Private Partnership
What's next for Zero?
With the recent influx of $150K, Zero is well-positioned to expand its operational footprint and enhance its proprietary payment processing technology. The strategic focus will likely shift toward deepening partnerships with healthcare providers and optimizing its credit risk assessment models to accommodate a broader patient demographic. As the company moves beyond its initial scaling phase, the emphasis will remain on maintaining liquidity and strengthening its competitive moat against traditional medical financing incumbents. Future growth will depend on the firm's ability to integrate seamlessly into existing hospital billing systems while maintaining the high standards of financial compliance required in the medical sector.
See full Zero company page
