1/0 Capital

1/0 Capital (a.k.a. “One Zero Capital”, styled “1/0”) is a New York City investment firm investing at the nexus of consumer credit and technology, founded by Vishal Garg.

Profile

• Stage: Growth-stage per the firm’s own site; aggregators (Tracxn, Funden, Investorlist) also describe seed–Series A activity ^[ambiguous]. Reported typical check sizes range ~$1M–$20M ^[single-source].
• Focus: Consumer credit + technology; broader fintech, data science, and consumer products. Portfolio companies cited include Better, Ramp, Trumid, Creditas, Climb Credit, and Paribus.
• Fund size / AUM: Not publicly disclosed; operates as a private partnership.
• Location: Headquartered in New York City (1 World Trade Center). International offices reported in Grand Cayman, Dublin, London, and Jaipur ^[single-source]. Older listings show a prior 450 Park Avenue address.
• Founder / key people: Vishal Garg — founder / managing partner (also founder & CEO of Better). Zach Frankel is an investor at the firm. Other partner names appearing in third-party directories are inconsistent across sources and not relied on here ^[ambiguous].
• Founded: Not definitively dated — Garg started the firm early in his career after leaving Morgan Stanley (pre-Better, founded 2014); aggregator listings give years ranging from the late 1990s to 2015 ^[ambiguous].

Fundraise Relationship (init.inc)

• init.inc’s point of contact at 1/0 Capital is Zach Frankel.
• init.inc wants an intro to Zach; no intro path has landed yet.
• See Zach Frankel’s page for the connection attempts, conversation log, and current status of the intro.

Related

• Zach Frankel — investor at 1/0 Capital; init.inc’s fundraise contact at the firm