1/0 Capital

1/0 Capital is an investment firm that builds and backs growth-stage companies at the nexus of consumer credit and technology. It develops ventures leveraging innovative financial technology to address industry challenges, integrating direct investment with active company creation. This approach enhances consumer finance and credit investing through strategic technological advancements.

Founded in 2015, 1/0 Capital was co-founded by Vishal Garg and Ross Z. Lukatsevich, also a Partner. The firm emerged from an insight that technology could disrupt and improve traditional credit markets and financial services. Their combined expertise in fintech and investment guided the establishment of this platform for financial innovation.

The firm’s portfolio companies serve consumers seeking improved financial products and businesses within the credit ecosystem. 1/0 Capital envisions a future where technology makes consumer finance more accessible, transparent, and efficient. Their mission involves scaling enterprises that drive transformative impact on the financial industry.