Submit your credit profile
Complete a short intake with your FICO scores, inquiry counts, utilization, and business details. Takes about 10 minutes.
Without The Headaches Of Going To A Bank
Access up to $250,000 at 0% interest.
A custom funding strategy built around your exact credit profile. No revenue required. Start the business you've dreamed of. 0% APR for up to 18 months.
See what you qualify for680+ FICO requiredNo hard credit pull to checkResults in 3–5 business days
$250K
Max funding potential
0%
Introductory APR up to 18 months
680+
Personal FICO is all you need
3
Bureaus strategically sequenced
THE PROBLEM
Traditional funding is broken for most business owners.
Banks want 2+ years of history and $250K in revenue before they'll talk to you.
SBA loans require full financials and 30–90 days to close.
Merchant cash advances carry effective APRs of 40–80% that destroy margins.
Applying randomly to multiple lenders racks up hard inquiries and denials.
Credit stacking changes the equation entirely. It's the disciplined, bureau-sequenced process of applying to the right lenders, in the right order, on the right bureau — unlocking six-figure business capital at 0% interest without revenue requirements. Your personal FICO score, not your business revenue, is the qualifying factor.
GET YOUR STRATEGY
See what you qualify for
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THE PROCESS
How your strategy gets built.
Get your sequenced strategy
Within 3–5 business days you receive a complete bureau-sequenced plan: specific lenders, application order, timing, and expected limits.
Execute your phases
Follow the phase-by-phase application sequence — relationship banks first, exact timing specified, reconsideration scripts included.
Access your capital
Approved 0% accounts fund within 6–8 weeks, with a 12-month roadmap toward bank lines of credit and SBA products.
COMMON QUESTIONS
Credit stacking, answered straight.
Tap a question to reveal the answer.
Are these business loans or credit cards?
Credit cards. A stacking plan is built from business credit cards that carry a 0% introductory APR, usually for 12–18 months. They are revolving credit, not term loans. That means three things to know before you commit: minimum monthly payments are due every month, you are personally responsible for the balance through a personal guarantee, and the 0% rate ends on a fixed date. Anyone selling this as a "0% loan" is describing it wrong.
Is credit stacking legal?
Yes. Credit stacking is simply applying for business credit cards in a planned order, on the right bureau, at the right time. What gets companies into trouble is how they sell it: in 2024 the FTC took legal action against a firm that marketed stacked credit cards as 0% business loans without disclosing the fees. We would rather be plain about what you are getting.
What does it cost?
Keep two separate costs in mind. The first is the cost of the credit itself: some cards carry an annual fee, and moving a balance between cards usually costs a percentage of the transfer. Your plan should show both. The second is what a provider charges you to build the plan. Ask for that number in writing before you pay anything, along with exactly what you get for it. A provider who will not put a fee in writing is telling you something.
Does it hurt my credit score?
Checking your options with us won't hurt your credit — the initial check is soft. Carrying out a plan is different, and you should expect it to be visible: applications add inquiries, and opening several accounts changes your average account age and your utilization. How much your score moves, and for how long, varies from person to person. That is exactly why the order and timing are planned rather than left to chance.
Do I need revenue or a long business history?
There is no revenue requirement — approval rests on your personal credit. Most programs want a FICO of 680 or better, and lenders will still weigh your existing balances, recent inquiries, and time in business. Approval is never guaranteed: strong credit makes it more likely, not certain.
What happens when the 0% period ends?
The balance moves to the card's standard APR, which is much higher than the intro rate. Before that date you need an exit: pay it down from revenue, refinance into a bank line of credit or SBA product, or move the balance again. A plan that does not cover what happens at the end is not finished.
This page is educational information, not financial or legal advice. Funding is subject to lender approval and eligibility.