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.

What Is Credit Stacking?

Credit stacking is a strategy that helps you unlock multiple unsecured business credit cards or 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:

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

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