0% is one step. If that is all you do, you get cooked. We are long-term one-to-one advisory: prepare the profile, clear the twenty lender items, sequence the applications the banks reward, and design the round after the first before the first one closes.
One advisor. A written plan. The path to bankable. Not a shop with no end.
You come in.
One advisor, assigned to your file. Nothing is filed yet.
A soft pull across the funding programs, from business cards and credit lines to equipment, term loans and SBA, together with the lender compliance items. Three workstreams come off it: equipment, working capital, term loans. A read of what those programs would see, not an application.
We start at 0% because it is the best capital these programs offer: roughly twelve months of runway at 0% interest, with a minimum payment near 1% of the balance while the intro promo runs. Six issuers, in the order the banks reward, every application live on Zoom with your advisor. 0% is the start, not the identity and not the end.
Preparation for the next 0% round of business credit cards starts immediately after the first. After tier one the round widens to the regional banks: PNC, Truist, KeyBank, Fifth Third, Flagstar and Huntington, on a file that now has on-time payment history behind it. 0% is the parent of everything below: each institution is added to the 0%, never in place of it.
Revolving capital from a traditional bank, sized against the file rather than against a card limit. Added to the 0%.
Fixed capital over a set term, on the record the file has built. Approvals and terms are decided by the institution.
The longest money on the file, and what makes acquisition possible. As the business grows and the payment history builds, the Four Legs go under the file and it becomes bankable. That is what opens all three of these alongside the 0%, which keeps running underneath all of it. Program ceilings belong to the programs, so nothing here is a promised amount, rate or date.
A shop sells one round and gets paid on the back end. No next round designed, no bankable file, nothing written down. This is long term one to one advisory, and the plan exists before the first application.
Each step is another cash-flowing business. Same situation. SBA acquisition. Seller's discretionary earnings come with the company. Then that entity gets access to funds the same way. Another file. Another round of capital. It keeps going.
Program ceilings belong to the programs. Never a promised amount, rate, or date.
Two things get sold as capital work. A course, priced like a real engagement, that most owners never finish. Or a stack of applications fired off in a week and called funding.
The second one is the expensive one. Personal credit absorbs the damage. The business ends up further from the funding it was supposed to reach. Banking relationships get spent before they are worth anything, because a rushed introduction is still the introduction. And the round that actually matters, the second one, gets harder.
Then the intro period ends. Without a plan written for that day, it arrives as a surprise.
ChaseAPPROVED ✓
American ExpressAPPROVED ✓
Bank of AmericaIN REVIEW
U.S. BankSEQUENCED NEXTEvery name below reads a different bureau, tolerates a different number of inquiries, and weighs existing limits differently. That is the entire reason the order carries so much of the outcome.
Stacking Capital is a one on one capital advisory. The plan is built for your specific file, the applications happen live on Zoom with your advisor, and the fee is a one-time flat fee for six to twelve months of the program. The more capital we help you access, the cheaper every dollar of it gets. We went the other way on purpose.
Four beats, in the exact order they happen. You should be able to replay the whole engagement before you ever book a call.
One advisor is assigned to your file and stays on it. The plan is written first, including how the engagement ends, so the exit is on the page before the first application exists. Nothing is filed yet.
One read, before anything is filed. A soft pull across the funding programs, from business cards and credit lines to equipment, term loans and SBA, in the same pass as the lender compliance items. It reads what those programs would see and finds what a bank's algorithm would find, without filing an application or touching the score.
ChaseOPENED
Wells FargoOPENEDBank of AmericaSEASONINGWe start at 0% because it is the best capital these programs offer: roughly twelve months of runway at 0% interest, with a minimum payment near 1% of the balance while the intro promo runs. The right banks in the right order at the right spacing, every application live on Zoom with your advisor. 0% is the start, not the identity and not the end.
Bureau-soft bank firstAPPROVED ✓Same-day second applicationAPPROVED ✓Inquiry-tolerant bank nextIN REVIEWHeld for round twoSEQUENCED NEXTPreparation for the next 0% round starts immediately after the first, and 0% keeps running underneath everything that follows. As the business grows and the on-time payment history builds, the Four Legs go under it and it becomes bankable, which is what opens institutional credit alongside the round rather than in place of it. Intro promos expire. We go for more, plus term loans, lines, and SBA on the file you built.
Dun & Bradstreet · PAYDEXTARGET 80+Experian · IntelliscoreTARGET 70+Equifax BusinessREPORTINGSBA 7(a) if the file fitsREVIEWEDA one on one capital advisory for established business owners. We are not a bank, lender, or broker.
The fee does not grow with the amount you borrow.
We optimize the credit profile, clear the twenty lender compliance items, then sequence applications through the right banks in the right order.
The order carries most of the outcome.
A business file institutions can underwrite on its own, reporting to the business bureaus with the scores an underwriter looks for.
The company reads on its own legs.
Intro promos expire. We go for more, plus term loans, lines, and SBA on the file you built.
The end of the intro period is a step, not a cliff.
Andrew was already running an established business in Orlando. Revenue was there, the operation was real, and on paper he looked like someone a bank should want. He had never been through the process of having that file prepared and put in front of anyone in a deliberate order.
That is the whole gap. A file that could support real limits and a file that has been made ready to ask for them are not the same thing, and the difference is not revenue. It is the items an underwriter checks before revenue is ever discussed.
Brandy runs a med spa in Philadelphia. It is a real operation with real revenue, and it is also the kind of business that underwriters have opinions about, which makes the order of applications matter more, not less.
Nine approvals is not nine lucky applications. It is one prepared file put in front of nine desks, each in the order that desk wanted to see it, and none of them submitted on a guess.
Frank is the file that shows the whole arc, because it did not stop when the promotional period did.
The 0% card rounds came first and did what that round is for. Capital in hand, and a business credit profile carrying real reported, on-time activity across multiple institutions.
True To Their WordThey did what they said they were going to do, and could’ve gotten me a lot more funding than what I needed! Patrick went above & beyond! He really wants to help you win in life. And Johnny always answered my calls!
Wonderful experienceWonderful experience. I was guided precisely on how to optimize my credit and leverage it to obtain a significant 0% loc and a low interest loan. This a gold mine of knowledge translating into gold. I thought access to VIP treatment by banks due to long relationship showever Stacking Capital give me access to products that my personal bankers were not even aware of.
Stacking Capital has helped reached…Stacking Capital has helped reached 800 credit score for the first time ever. They are really intelligent people who are lookiong out for your best interest. I have always paid my bills on time but the credit agencies use dofferent measurements that i couldn’t penetrate. Stacking Capital knows the credit game, the credit agency game and the bankers knowledge.
Secure Financing? Stacking Capital is the way to go…Starting a new business can be overwhelming, especially when it comes to securing financing. I was searching for a reliable company that could help me navigate this process, and I’m so glad I found Stacking Capital. From the very beginning, their team was professional, transparent, and genuinely supportive. They took the time to understand my business needs, explained all the financing options clearly, and guided me through every step of the process. What impressed me most was their responsiveness and how smoothly everything was handled—there were no surprises, only solutions.
Patrick and Johnny both have been…Patrick and Johnny both have been amazing from day one. It’s hard to navigate the financial hurdles of new companies, but SC has been ace with patience and honesty the whole way.
Reliable and effective serviceStacking Capital is reliable and got me funding quickly. It was exactly what I needed to scale. Thank you, team!
Great experience, worth every pennyI was worried about the investment, but Stacking Capital made it worthwhile. They secured $110k in business credit, and Patrick was there every step of the way. So grateful for this team!
Professional and efficientThe team at Stacking Capital knows what they’re doing. They set me up with a line of credit at Chase within a week, and it was exactly the boost my business needed. Thank you, Patrick and team!
Perfect for entrepreneurs!Stacking Capital is exactly what small business owners need. Patrick was insightful, David handled my account with care, and I got more funding than I expected. They made it easy, and I felt supported throughout.
Highly recommend for reliable fundingWorking with Tanner at Stacking Capital was fantastic. He was patient and walked me through each step. I’m thrilled with the funding I received—it’s exactly what I needed to expand my business.
Quick and seamless funding experienceStacking Capital has perfected the art of getting entrepreneurs the capital they need. Patrick handled everything with such professionalism, and the funds arrived much faster than I anticipated. Impressive service!
Every engagement is assigned a dedicated advisor. The applications happen live, on Zoom, with the person who built the plan.
The Bankable Blueprint. Six months, one on one, with the exit plan written before round one.
The engagement →02File-level case studies. What the file looked like, the order we ran, and what it carried.
Case studies →03How underwriting actually reads a file. Bureaus, inquiry tolerance, compliance items, sequencing.
Start reading →04Patrick Pychynski, United States Marine, and the advisors who run the files day to day.
The firm →The Bankable Blueprint™ · 1:1 capital advisory for established business owners
Book a Bankable Blueprint Call