0% APR Credit Stacking for Startups
Need funding but don’t want the burden of interest right away? Credit stacking gives you access to multiple high-limit business credit lines with 0% interest for 6 to 21 months, without income verification or long time-in-business requirements.
Perfect for startups and early-stage businesses that need capital to move fast, without the high cost.
What Is Credit Stacking?
Credit stacking is a strategy that helps you unlock multiple unsecured business credit cards or lines of credit — often in a single funding round —with introductory 0% APR offers. These accounts can be used for equipment, inventory, marketing, or general working capital.
You’ll work with a funding team that helps you:
- Maximize approvals
- Minimize inquiries
- Structure your applications for the highest limits
- Protect your personal credit
Why Choose Credit Stacking?
0% APR for 6–21 Months
Use your capital without the pressure of immediate interest.
No Income Verification Required
Great for startups and entrepreneurs without financial history.
Fast Funding Timeline
Most approvals completed within 5–10 business days (3-4 week timeframe from start to finish).
No Industry Restrictions
Even high-risk or niche businesses can qualify.
Co-Signer Friendly
Bring in a guarantor if needed to get approved or unlock higher limits.
Who It’s Best For
- Founders with strong personal credit (typically 700+ FICO)
- Startups with little or no revenue yet
- Entrepreneurs looking to avoid interest for 6–21 months
- Businesses in non-traditional or restricted industries
- Real Estate Investors that need capital to start or finish a project
- Binance, forex or option traders
What You’ll Need
Get Paid Faster
Access funds as soon as invoices are submitted — no more waiting on customers.
Flexible & Scalable
Your funding potential grows with your outstanding receivables.
Quick access to Capital
Approvals are typically processed within a week, getting you access to your money fast.
Simple, Revolving Access
Use it when you need it — and free up time to focus on your business.
What You’ll Need
Tri-bureau credit report
Valid government-issued ID
Basic credit application
No more than 4 hard inquiries in the last 6 months
At least 1 year of personal credit history
Not Sure if This is Right for You?
We’ll walk you through your options and help you compare 0% credit stacking with other funding programs — like unsecured term loans or SBA microloans.
Minimum Requirements:
- Borrower must have a U.S. credit score
- Good personal credit (700+ preferred)
- No recent bankruptcies or defaults
Let’s Get You Funded
Our friendly team would love to hear from you.
