We Fund Your Ambitions.

It's That Simple.

Patrick Pychynski Stacking Capital

Empowering businesses with the capital they need to grow. Say goodbye to complicated loans and hello to easy funding solutions.

We Fund Your Ambitions.

It's That Simple.


Empowering businesses with the capital they need to grow. Say goodbye to complicated loans and hello to easy funding solutions.

Here Are Just a Few of the Banks We Work With

Access 500+ leading banks and lenders through our platform, where our innovative solutions consistently outperform online lenders.

Here Are Just a Few of the Banks We Work With

Access 500+ leading banks and lenders through our platform, where our innovative solutions consistently outperform online lenders. Redefining how businesses secure funding.

Get Up to $150,000 in Funding – Fast.

Apply today and discover your funding options in minutes with just a few clicks.

Get Up to $150,000 in Funding – Fast.


Apply today and discover your funding options in minutes with just a few clicks.

3 Ways to Qualify for Funding

Personal Credit

If you have a credit score of 680 or higher, a record of on-time payments, and at least one established credit card, you could be eligible for $15,000 to $150,000 in business or personal credit lines with 0% interest for up to 18 months.

Income Verification

With a credit score of 650 and verifiable personal income—such as W2s for employed individuals or the last two years of tax returns for self-employed—along with manageable personal debt, you may qualify for unsecured personal loans up to $100,000 with terms extending up to 5 years.

Business Financials

A credit score of 600, combined with average monthly business deposits of at least $15,000 over the last 90 days, can open the door to various business loan options. Furthermore, with two years of profitable business or personal tax returns, you could qualify for funding of up to $1 million.

Our Funding Options

0% Business Credit Card Stacking

  • Type: Start-up funding

    • Amount: Up to $150K

    • Term: 12-18 Months

    • Time to Fund: 2-3 Weeks

Unsecured Personal Loan

  • Type: Start-up Funding

    • Amount: Up to $250K

    • Rate: Starting at 5.99%

    • Term: Up to 5 Years

Business Line of Credit

  • Type: Revolving Line

    • Amount: Up to $500K

    • Rate: As low as 8%

    • Term: 1-3 Years

Short-Term Business Loan

  • Type: Revolving Line

    • Amount: Up to $500K

    • Rate: As low as 8%

    • Term: 1-3 Years

Long-Term Business Loan

  • Type: Traditional Loan

    • Amount: Up to $1M

    • Term: As low as 6%

    • Term: Up to 10 Years

SBA Loans

  • Type: 7(a), 504, SBA Express

    • Amount: Up to $5M

    • Rate: As low as 8%

    • Term: Up to 25 Years

Equipment Financing

  • Type: Equipment Loans

    • Amount: Up to $10M

    • Rate: As low as 7.99%

    • Term: Up to 5 Years

Commercial Real Estate

  • Type: Property Loans

    • Amount: Up to $100M

    • Rate: As low as 4%

    • Term: Up to 30 Years

3 Ways to Qualify for Funding

Personal Credit

If you have a credit score of 680 or higher, a record of on-time payments, and at least one established credit card, you could be eligible for $15,000 to $150,000 in business or personal credit lines with 0% interest for up to 18 months.

Income Verification

With a credit score of 650 and verifiable personal income—such as W2s for employed individuals or the last two years of tax returns for self-employed—along with manageable personal debt, you may qualify for unsecured personal loans up to $100,000 with terms extending up to 5 years.

Business Financials

A credit score of 600, combined with average monthly business deposits of at least $15,000 over the last 90 days, can open the door to various business loan options. Furthermore, with two years of profitable business or personal tax returns, you could qualify for funding of up to $1 million.

Our Funding Options

0% Business Credit Card Stacking

  • Type: Start-up funding

    • Amount: Up to $150K

    • Term: 12-18 Months

    • Time to Fund: 2-3 Weeks

Unsecured Personal Loan

  • Type: Start-up Funding

    • Amount: Up to $250K

    • Rate: Starting at 5.99%

    • Term: Up to 5 Years

Business Line of Credit

  • Type: Revolving Line

    • Amount: Up to $500K

    • Rate: As low as 8%

    • Term: 1-3 Years

Short-Term Business Loan

  • Type: MCA (Merchant Cash Advance)

  • Amount: Up to $500K

  • Rate: 1.20 Factor Rate

  • Time to Fund: As fast as 24 Hours

Long-Term Business Loan

  • Type: Traditional Loan

  • Amount: Up to $1M

  • Rate: As low as 6%

  • Term: Up to 10 Years

SBA Loans

  • Type: 7(a), 504, SBA Express

  • Amount: Up to $5M

  • Rate: As low as 8%

  • Term: Up to 25 Years

Equipment Financing

  • Type: Equipment Loans

  • Amount: Up to $10M

  • Rate: As low as 7.99%

  • Term: Up to 5 Years

Commercial Real Estate

  • Type: Property Loans

  • Amount: Up to $100M

  • Rate: As low as 4%

  • Term: Up to 30 Years

Get a Free

Consultation!

Let Stacking Capital bridge the gap between where you are and where you want to be.

Get a Free

Consultation!

Let Stacking Capital bridge the gap between where you are and where you want to be.

Why Choose Stacking Capital?

Flexible Funding Options

We offer a wide range of financing products tailored to fit your unique business needs, whether you're looking to expand, purchase inventory, or manage cash flow.

Quick Approval Process

Get approved for funding fast, with minimal paperwork and transparent terms, so you can focus on running your business without delays.

Dedicated Support Team

Our team of experienced funding specialists is here to guide you through every step of the process, ensuring you understand all your options.

Competitive Rates & Terms

We provide access to some of the most competitive rates in the industry, ensuring your business can thrive without the burden of high-interest payments.

Why Choose Stacking Capital?

Flexible Funding Options

We offer a wide range of financing products tailored to fit your unique business needs, whether you're looking to expand, purchase inventory, or manage cash flow.

Quick Approval Process

Get approved for funding fast, with minimal paperwork and transparent terms, so you can focus on running your business without delays.

Dedicated Support Team

Our team of experienced funding specialists is here to guide you through every step of the process, ensuring you understand all your options.

Competitive Rates & Terms

We provide access to some of the most competitive rates in the industry, ensuring your business can thrive without the burden of high-interest payments.

See What Our Clients Are Saying About Us

Watch how we secured $45k of 0% interest funding for Erwin in just 5 days

FREE

Download our 6-Figure Funding Blueprint

Discover the exact steps to secure $50k - $150k in 0% interest funding. We’ll walk you through insider secrets, proven strategies, and everything you need to maximize your funding potential.

Top Funding Methods for Fast Access to Capital

Avoid Costly Mistakes with Insider Insights

Step-by-Step Guide to Optimize, Apply, and Scale Your Funding

Get the Blueprint and start paving the way to six figures in funding for your business!

What Our Clients say about us

On Instagram

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled.

Image

Darcel Ballentine

Barone LLC.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled.

Image

Leatrice Handler

Acme Co.

Frequently Asked Question

What is 0% interest business credit card stacking?

This strategy involves applying for multiple business credit cards that offer 0% introductory APR periods, allowing businesses to access funds at no interest for a set period. It’s ideal for businesses looking to manage cash flow or invest in growth without incurring immediate interest costs.

How do I qualify for 0% interest business credit card stacking?

To qualify, you typically need a good personal credit score (usually 700+), a solid credit history with few recent inquiries, and a low credit utilization rate. Additionally, having a well-structured business profile with proper registrations and no negative marks can increase your chances of approval.

What are the benefits of using 0% business credit card stacking over traditional loans?

This approach offers flexibility and access to credit without the need for collateral. The 0% interest period allows you to use the funds to grow your business or cover expenses without incurring high-interest costs, unlike traditional loans that often require interest payments from the outset.

Are there any risks associated with 0% business credit card stacking?

While it offers interest-free funding, this strategy requires discipline. Failing to repay the balances before the introductory period ends could result in high-interest rates.

What types of businesses benefit most from 0% interest credit card stacking?

Startups, small businesses, or companies looking to manage cash flow, purchase inventory, or fund new projects without immediate interest costs can benefit greatly from this strategy. It is particularly useful for businesses needing short-term financing with flexible repayment terms.

Can I combine business credit card stacking with other forms of funding?

Yes, many businesses combine this strategy with other financing options like traditional loans, lines of credit, or merchant cash advances to create a balanced and diversified funding approach that meets their needs.

Will applying affect my credit score?

Applying for business credit cards or most business loan products through us won't impact your personal credit score, as these products typically do not appear on personal credit reports. Any inquiries made for business funding are generally removed after funding is secured. However, if personal credit products are needed, there may be a temporary effect on your score. In the long term, using these products responsibly can help strengthen your credit profile.

Why should I apply for a loan through Stacking Capital instead of directly with a bank?

We provide expert guidance to help you secure better interest rates and loan terms. By accessing our extensive network of banks and credit unions, we save you time and effort, matching you with the best loan options for your needs.

What if I've been denied a loan in the past?

We offer personalized advice based on your unique financial situation, helping you understand your options and create a plan to enhance your loan eligibility. Even if you've been denied before, we can guide you through steps to improve your financial standing and increase your chances of future approval.

What documentation will I need for my loan application?

For most loan applications, you'll need to provide personal identification (like a driver's license or passport), proof of income (such as pay stubs or tax returns), business financial statements, and authorization for a credit check. For business credit cards, the application process typically involves stated income, which means fewer documents are required. However, providing additional documentation, such as bank statements and collateral information, can help unlock substantially more funding options and increase your chances of approval.

How long does the loan application process take?

The duration varies based on factors like loan type, lender procedures, and your financial situation. Some personal loans have fast approvals, from minutes to hours, with funding often within days. Business loans may require a longer timeline, from several days to weeks, due to additional documentation and review processes.

What are the available loan amounts?

We offer a range of funding options: Unsecured loans can range from $25,000 to $100,000 per lender, while secured loans can go up to $1,000,000.

Contact Support

Chat with us

Reach out to us at [email protected]

Our office

4030 Wake Forest Rd. Ste 349

Raleigh NC 27609

Call us

Ring us on (833) 800-1727

Contact Support

Chat with us

Reach out to us at [email protected]

Our office

4030 Wake Forest Rd. Ste 349

Raleigh NC 27609

Call us

Ring us on (833) 800-1727

Quick Links

About Us

Services

Contact Us

Social Media Links

Contact Us

(833) 800-1727

4030 Wake Forest Rd. Ste 349 Raleigh NC 27609

Copyright 2024 . All rights reserved

Empowering businesses with the capital they need to grow. Say goodbye to complicated loans and hello to easy funding solutions.

Social Media Links

Contact Us

(833) 800-1727

4030 Wake Forest Rd. Ste 349 Raleigh NC 27609

Copyright 2024 . All rights reserved