How We Get You Funded
Most clients go from application to capital in hand in 30–60 days. Here's exactly how we do it.
Free Consultation & Credit Audit
We start with a no-cost consultation to understand your goals — whether you're funding an existing business, launching a new venture, or building a reserve for slow seasons. We pull a soft credit review to assess your current profile: scores, utilization, derogatory marks, and existing accounts. This tells us exactly where you stand and what's possible.
- Soft credit pull — no impact to your score
- Goal alignment: growth capital, new business, or emergency reserve
- Funding potential estimate based on your current profile
- Identify any quick wins before we begin
Credit Optimization
Before we apply for a single card, we make sure your profile is positioned for maximum approvals and highest limits. This is the step most people skip — and why they get denied or approved for far less than they could have received. We clean up what we can, reduce utilization where needed, and build the foundation for a successful stacking run.
- Dispute inaccurate or outdated negative items
- Reduce credit utilization to optimal levels
- Identify the right card issuers for your profile
- Establish or strengthen business credit if needed
Strategic Card Stacking
This is where the expertise matters most. We apply to multiple business credit cards in a precise sequence — timing applications to prevent issuers from seeing each other's inquiries, targeting cards with the highest 0% intro APR windows, and maximizing total approved limits. The order, timing, and card selection are everything. Done wrong, you get denied. Done right, you get $50K–$150K at 0%.
- Sequenced applications to minimize inquiry stacking
- Target cards with 12–21 month 0% intro APR periods
- Business cards that don't report to personal credit
- Multiple issuers for maximum total credit line
Funding Approval & Capital Deployment
Approvals come in and we help you access and deploy the capital strategically. Whether you're investing in inventory, equipment, marketing, real estate, or holding it as a business reserve — we make sure the money is working for you from day one. Our 8–10% performance fee is collected only after you have confirmed access to your funds.
- Receive approval notifications and card access
- Guidance on optimal capital deployment strategy
- Performance fee collected only after funding confirmed
- Ongoing support for utilization and 0% period management
Common Questions
Will this hurt my credit score?
The initial consultation uses a soft pull — zero impact. The card applications do involve hard inquiries, but we time them strategically to minimize score impact. Most clients see a temporary dip of 5–15 points that recovers within 3–6 months as the new accounts age. We also have inquiry removal services to go back and get more funding as well.
What credit score do I need?
Generally, a 700+ personal credit score gives you the best shot at $50K–$150K in funding. Scores in the 650–679 range can still qualify for meaningful amounts. Below 650, we typically recommend our consulting path first to build your profile before applying.
When do I pay the performance fee?
Only after you have confirmed access to your approved funding. We don't collect anything upfront. If we don't get you funded, you don't owe us a fee. Our 8–10% is calculated on the total approved credit line we secure for you.
What can I use the funding for?
Anything business-related — inventory, equipment, marketing, payroll, real estate investment, launching a new business, or simply holding it as a reserve for slow seasons and unexpected expenses. Business credit cards give you maximum flexibility.
What happens when the 0% period ends?
We coach you on this from day one. The goal is to either pay down the balance during the 0% window, transfer balances to new 0% offers, or have the capital generating enough return to cover any interest. We don't leave you without a plan.
Ready to Start the Process?
Book a free consultation and find out exactly how much funding you qualify for.