$50K–$250K
Typical Amount
0% APR
Intro Rates
2–4 weeks
Funding Speed
Unsecured
Structure
How does credit stacking work?
Credit stacking is the strategy of applying for multiple business credit cards with introductory 0% APR offers in a coordinated sequence. Done correctly, this gives you access to significant unsecured capital at no interest for 9–21 months.
Our advisors help you identify the right cards for your profile, time applications to minimize credit score impact, and create a repayment plan that keeps you within the promotional period.
Key Benefits
- 0% intro APR for 9–21 months
- No collateral required
- Unsecured capital
- Earn rewards and points
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form. Tell us about your business, goals, and financial profile in just 5 minutes.
Discovery Call
Speak with a funding specialist who will learn about your needs and craft a personalized funding strategy.
Meet Your Advisor
Work one-on-one with your dedicated advisor through onboarding, credit optimization, and the funding process.
Get Funded
Execute your funding strategy with expert guidance and receive the capital your business needs to grow.
Frequently asked questions
Multiple applications create temporary credit inquiries, but the impact is usually small (5–10 points) and recovers within a few months. Strategic timing minimizes this.
You should have a repayment plan in place to pay off the balance before the intro period ends. Some businesses refinance into a term loan or line of credit before that point.
Most 0% business cards require a personal credit score of 680 or higher. Scores above 720 unlock the best offers and higher limits.
Explore similar funding options
Ready to get funded?
Take the first step toward the capital your business needs.