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Credit Stacking

With credit stacking, even a new business can get access to up to $150,000 in funds.

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Explore the Benefits

Learn More About Credit Stacking

Have you faced challenges finding and securing the best credit cards for your business? We are experts in finding credit cards that offer the right terms and conditions, including 0% interest up to 20 months, AND we help you apply for multiple cards, granting you up to $250,000 in available funding that you can use toward any legitimate business expense.

Our strategic approach to credit card application can avoid immediate negative impacts on your credit score. We help you access multiple cards at one time, swiftly increasing your credit access. Because we target cards with 0% interest you have a natural runway. You’ll strategize your growth plan and future financing strategy based on your available capital and length of time before repayment becomes due.

Lenders in Network

$10K-10M

In Available Funds

Fastest Close

Flexible

Loan Options

Unlock unparalleled access to business funding with our Credit Stacking services, designed for businesses that might not qualify for SBA or traditional loans. Gain up to $250,000 in unsecured funds with a 0% interest rate for up to 20 months, providing the financial freedom to invest in growth. 

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Access Business Funding

Even businesses that are ineligible for SBA or traditional loans due to time in business or lack of hard assets CAN gain access to business capital.

Unsecured funds

Access up to $250,000 with a 0% interest runway up to 20 months. Buy what you need and pay for expenses necessary to grow.

Increase flexibility

Businesses with only one credit card risk having their card cancelled or the limit reduced. With multiple cards, we make credit manageable.

Credit Stacking

Advantages

Get the capital you need to launch and grow.

01

Access revolving credit that can serve your business for years.

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Get up to 20 months at 0% interest.

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Earn incentives on unsecured credit purchases for your business.

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FAQs

We’ve got the answers to your burning questions.

What is unsecured credit?
Unsecured credit means that it is not secured against the assets you purchase or assets you already own. For that reason, it comes with a higher interest rate than secured financing. Usually the borrower makes a personal guarantee, so if the borrower defaults on the loan, the lender can pursue the borrower’s income to repay what is owed.
What is credit stacking?
Credit stacking is an approach to financing small businesses up to $250,000 by aggressively pursuing credit cards with low or 0% introductory rates to give businesses an infusion of capital they can use for expenses, assets, and growth.
Is credit stacking risky?
Financing is only as risky as the business plan it supports. By that, we mean if you know how you are using the money to reinvest in profit-generating activities, you will gain the reward of your investment. If funds are poorly managed and spent on non-revenue generating activity, a borrower can end up owing the whole sum borrowed, plus interest. Managing the timeline, expenditure of funds, revenue and repayment from when funds are borrowed to the end of the low or 0% interest period is a major driver of credit stacking success. Business owners must understand the terms of their credit and act strategically to make the most of their money.
Why use credit cards instead of other loan types?
Many businesses need a two-year track record and demonstration of revenue in order to qualify for SBA, bank, or other lending. In fact, during this time private lending may come with significantly higher interest rates due to the lack of proven history. One path to business financing is to access capital for up to 20 months, then apply for traditional or SBA financing after the business has a proven track record. In this way, credit stacking is a means to prove a business can take on financing and do what is necessary to grow and thrive.