0% Business Credit Stacking
Business credit stacking is one of the most powerful strategies to access capital at 0% interest. By strategically applying for multiple business credit lines, you can stack significant funding with introductory 0% APR periods — meaning more capital with no interest costs.
$50K–$250K+
Credit Available
0% Intro APR
Interest Rate
12–21 months
Intro Period
2–4 weeks
Setup Time
What is business credit stacking?
Business credit stacking is a strategic approach to building business credit by applying for multiple business credit cards and lines of credit that offer 0% introductory APR periods. When done correctly, you can accumulate $50K to $250K+ in available credit at zero interest.
This strategy requires careful timing, credit optimization, and knowledge of which lenders and products to apply for. Our advisors guide you through the entire process, maximizing your approvals and total credit limits.
Key Benefits
- 0% interest for 12–21 months
- Stack $50K to $250K+ in credit
- No collateral required
- Build your business credit profile
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 with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
Frequently asked questions
Your advisor creates a strategic application plan, timing applications to multiple business credit issuers to maximize approvals. Each card offers a 0% intro APR period, and combined they can provide substantial capital at no interest cost.
There may be a temporary dip from hard inquiries, but when done strategically with proper timing, the impact is minimal. The resulting increase in available credit can actually improve your credit utilization ratio over time.
After the intro period, standard APR rates apply. The strategy is to use the 0% period to invest in your business and generate returns, then pay down or refinance before the intro period expires.
Yes. Business credit cards report to business credit bureaus, helping build your business credit profile separately from your personal credit. They also often come with higher limits and business-specific perks.
Explore similar funding options
Ready to get funded?
Take the first step toward the capital your business needs.
Start Your Application