If your personal credit is solid, you may be sitting on capital that costs nothing to borrow for the first 12 to 18 months. Most owners never get shown how it works.
Banks don't read a number. They read a profile.
A thin 700 with two young cards does not get the same approvals as a built 700 with seasoned accounts, low utilization and a real credit mix. Same score. Very different outcome.
That's the whole game — and it's why order matters more than effort.
We look at your actual report — age, mix, utilization, inquiries — and tell you where you really stand. No pull required to start.
Applications go out in a deliberate order, by bank and by bureau, so each approval strengthens the next instead of tripping it.
You get the capital at 0% and a payoff plan for before it expires. Done right, round two is bigger than round one.
When the intro period ends, the rate jumps to standard APR — often over 20%. Free money that turns into expensive money is not a win, it's a delayed problem.
So we build the payoff or refinance plan before the first application goes out, not after. And every application creates a hard inquiry and a new account, which moves your score temporarily. We'll tell you exactly what to expect before anything is submitted.
Approvals are never guaranteed. Anyone who guarantees you one is selling you something else.
Roughly 680 and up to work well, with utilization under about 30% and no recent derogatory marks. Below that, we build you toward it rather than waste your inquiries.
No. This is one of the few doors open to startups and pre-revenue businesses, because approval leans on your personal credit profile rather than your sales.
Applications create hard inquiries and new accounts, which affect your score temporarily. Done in the right order, the impact is manageable and recovers.
Most well-built profiles land somewhere between $50K and $150K across several cards. A thin file gets less. A strong, seasoned profile with a clean history gets more.
One simple application. A dedicated advisor. Multiple offers to compare — and expert guidance choosing the right one.
Tell us a little about your business. Your advisor takes it from there.
