Stack $50k–$250k of 0% intro APR business cards — funded on personal credit, reported to business bureaus.
For qualified owners with 680+ personal FICO, we sequence applications across the top business card issuers to build a stack of 0% intro APR business cards. Typical outcome: $50k–$250k of interest-free capital for 6–21 months, reporting only to business credit bureaus so your personal utilization stays clean.
Intro APR
0% for 6 – 21 Months
Total Approval
$50k – $250k Stack
Credit Min
680 FICO
Reporting
Business Bureaus Only
Funding Time
1 – 3 Weeks
Program Fee
Success Based
01
Upload EIN letter, articles, most recent return, and credit report.
02
We map issuers by approval likelihood and stack limits.
03
Applications sequenced to maximize approval and preserve credit profile.
04
Cards arrive; you draw down at 0% for the intro period.
Published research and industry data on how 0% business credit cards help U.S. businesses grow.
27%
Of small businesses report using personal or business credit cards as a primary source of financing.
Source: Federal Reserve Small Business Credit Survey
0% for 21 mo.
Longest common intro APR on top business cards — effectively an interest-free term loan.
Source: Issuer disclosures, 2024
$1T+
Outstanding U.S. business credit card balances — a mainstream working-capital tool for SMBs.
Source: Federal Reserve G.19 Consumer Credit
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Technology
SaaS founder
Stacked $185k across five 0% intro cards to fund customer acquisition; paid off inside intro window with new ARR.
Retail
E-commerce brand
$120k stack funded a Q4 inventory build; sold through in 90 days at a strong margin.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.