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  • 0% APR Credit Stacking

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.

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What Is Credit Stacking?

Credit stacking is a strategy that helps you unlock multiple unsecured 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

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

Talk to a Credit Stacking Specialist

FAQs

Credit stacking is a strategic way to secure multiple high-limit business credit lines or cards — often in one round of applications — with 0% introductory APR for 6 to 21 months. It’s designed to give you fast, low-cost capital without long approval processes or strict revenue requirements.
Most approvals are completed in 5–10 business days, with the entire process typically taking 3–4 weeks from start to finish.
No — credit stacking is perfect for startups and early-stage businesses. As long as you meet the personal credit requirements, you can qualify even with little or no business revenue.
A 700+ personal credit score is preferred, along with at least one year of personal credit history.
We structure the process to protect your credit profile by minimizing hard inquiries and applying in a strategic sequence. You may see a small temporary dip at first, but as you use the new lines responsibly and keep balances low, your credit score can actually improve over time.
You can use your new credit lines for equipment, marketing, inventory, real estate projects, working capital, or other business expenses — with no industry restrictions.
Yes — if you don’t meet all the requirements or want to access higher limits, you can bring in a qualified guarantor.
You’ll need a tri-bureau credit report, government-issued ID, basic credit application, and no more than 4 hard inquiries in the past 6 months.