Business Credit Card stacking is a strategic financing method we use for new business owners where we create a large pool of unsecured capital. This approach is used for startups to bypass the strict requirements of traditional bank loans.
Our Core Strategy
- 0% Introductory APR: The primary goal is to secure cards with 0% introductory APR periods (typically 6–21 months) to obtain interest-free funding. In some cases we can only get you Business Lines that don't have 0% introductory but it is still funding.
- Pooling Limits: By combining the credit limits of 5–10 cards, entrepreneurs can access $50,000 to $150,000+ in working capital.
- No Collateral: Unlike traditional loans, this funding is unsecured, meaning no personal or business assets are required as collateral.
Requirements for Success
- High Personal Credit Score: A score of 680 to 750+ is generally required, as lenders rely heavily on the owner's personal credit history. This can be you or a partner that has this score.
- Strategic Bureau Pulls: Knowing which credit bureau (Experian, TransUnion, or Equifax) a bank uses allows us to spread inquiries so they don't all appear on one report.
- Proper Business Entity: Having a registered LLC with an EIN and a clean professional setup (website, business address) improves credibility with our lending partners. Having just a LLC and EIN is the bare minimum. We can Assist you with that.
- Funding Process: Once you receive your lines of credit we will show you how to liquidate those funds or you can use the attached credit card for purchases, Inventory, etc... Timeline is around 7-10 business days and you can use multiple partners, friend, associates to get even more funds on the same LLC. This will increase the amount of capital you will have access to. Call us for more details.
