Business funding · 0% Business & Personal Credit Cards
Interest-free capital for the length of the introductory period.
Card stacking assembles several business and personal card approvals into one pool of spendable credit, each carrying its own 0% introductory window. It is the cheapest capital available to a strong credit profile, provided the balance is cleared before the window closes.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- Up to approximately $150,000
- Term
- 0% for 6 to 24 months
- Typical credit
- 680
- Time in business
- Not applicable
- Revenue
- Stated
- Typical speed
- Days
- Collateral
- No collateral pledged.
The introductory period ends. Balances carried past it accrue at the card's standard rate.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
0% Business & Personal Credit Cards
Compare 2 partners in one step
Answer the pre-qualification questions once and see each of these partners side by side, with the differences spelled out.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
No interest during the intro period
Qualified approvals carry 0% for 6 to 24 months depending on the issuer.
Revolving and reusable
Pay the balance down and the credit is available again.
No collateral
Nothing is pledged against the business or its assets.
Fit
Best for
- Owners with a 680+ profile and clean utilization
- Purchases that can be repaid inside the introductory window
- Businesses that want to avoid pledging collateral
Uses
Common use cases
- Buying inventory ahead of a season
- Funding a marketing test with a known payback window
- Covering a short gap without taking on a term loan
Partners
Every partner that offers this product
They are not interchangeable. Compare how they differ, then choose where to apply.
PFG
Preferred Funding Group
Best for 0% credit-card stacking and personal-credit term loans up to $500k, no collateral.
Unsecured personal-credit funding: 0% credit-card stacking and 5 to 7 year personal term loans.
Opens PFG's own application. They underwrite the file and set every term.
Funding Vault
Funding Vault / Impruvu
Broad marketplace across business and real estate.
Broad business and real estate marketplace: lines of credit, revenue-based funding, hard money, commercial, and DSCR.
Opens Funding Vault's own application. They underwrite the file and set every term.
Not sure which one fits? Run the pre-qualification form and we will show you only the partners your profile matches.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.