What is Zero?
Founded in 2014 and headquartered in Tulsa, Oklahoma, Zero provides a dedicated credit card infrastructure specifically engineered for the healthcare sector. By facilitating medical payments and covering upfront costs, the company addresses a critical friction point in the patient-provider financial relationship. Zero occupies a unique niche in the fintech ecosystem, effectively acting as a bridge between high-cost medical services and consumer affordability. Its business model is designed to mitigate the financial burden on patients while ensuring providers receive timely compensation, thereby optimizing the revenue cycle for medical institutions.
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 George Kaiser Family Foundation and Revolution’s Rise of the Rest Seed Fund
Debt (2020): $150K led by PPP
Key Investors in Zero
George Kaiser Family Foundation
A prominent philanthropic organization that invests in economic development and community-focused initiatives, often supporting high-growth ventures in the Tulsa region.
Revolution’s Rise of the Rest Seed Fund
A venture capital firm dedicated to investing in startups located outside of traditional coastal tech hubs, focusing on scalable businesses with significant regional impact.
PPP
Public-Private Partnership
What's next for Zero?
With the recent influx of capital, Zero is positioned to scale its enterprise-level operations and expand its footprint within the medical payments market. The company is expected to leverage this financing to enhance its proprietary credit underwriting algorithms and broaden its network of healthcare provider partnerships. As the firm transitions from its earlier growth phases into a more mature enterprise-level entity, the focus will likely shift toward increasing market penetration and diversifying its product suite to address broader healthcare financial challenges. The strategic backing received suggests a strong confidence in the company's ability to disrupt traditional medical billing cycles and establish a sustainable, long-term presence in the health-tech vertical.
See full Zero company page
