Most of our clients receive between $50,000 and $250,000 in 0% APR funding. The exact amount depends on your current credit profile, business structure, and liquidity. During your free consultation, we’ll show you what you’re likely to qualify for and build a tailored strategy to get you there.

Yes — it’s 100% real. We specialize in helping business owners access 0% interest introductory periods through strategic applications for credit lines, credit cards, and other capital instruments. These are real financial products from top-tier banks. You just need the right profile to qualify — and that’s what we build for you.

Short term, you may see a minor dip due to inquiries. But we immediately clean up your report after funding as part of our Integrity Protocol — removing inquiries and optimizing your profile so your score recovers and often improves. Long term, our clients typically come out with stronger credit than when they started.

Yes, but even if you're just getting started, we can help you structure your business properly. From forming an entity to building your business credit profile and establishing bank relationships, we handle the groundwork that makes you fundable fast.

Yes & No. To sign up and work with us: you absolutely don’t need to have good credit. If necessary (which is for about 75% of our clients), we can clean up and optimize your credit profile. If you have great personal credit (typically 700+), that’s great — the funding process can start sooner, but even if your score is lower, we will still be able to help. 

We work with entrepreneurs across all industries — including e-commerce, coaching, real estate, service businesses, contractors, medical, and more. If you run a small business and want growth capital, you’re in the right place.

You can get funding in as little as 1–3 weeks, depending on your current credit and business setup. Some clients are ready within 7 days. However, this is only the case if you don’t need credit repair and optimization. Our goal is to get you the most funding possible, so if we do need to repair your profile, give it about 30-90 days. We move as fast as we possibly can and we keep you in the loop at every step.

Yes. If we choose to work with you, we are guaranteeing funding. That’s the purpose of the call; to determine if we really can get you funded, and to walk you through the strategy. 

✅ We’ll tell you upfront if we can’t help
✅ We only work with clients we’re confident we can fund

✅ If you’re a good fit, we will do everything in our power to get you the highest amount of capital possible

We don't waste your time or our own. Our reputation is built on integrity — and results.

Our pricing requires a small up front retainer (that will vary depending on your specific situation), which covers our up front costs. Then, we also charge a performance-based transparent closing cost, where you pay based on how much we get you, and you pay only AFTER you get funded. We walk you through the exact cost structure during your consultation — and we don’t move forward unless the value is crystal clear.

Easy, Just click the button below to schedule your free consultation. We’ll review your goals, assess your fundability, and map out a personalized capital strategy. No commitment. No pressure. Just facts, numbers, and a path forward.

We’ve been helping entrepreneurs access capital and build wealth for over 4 years.

We’ve secured up to $80K on a single card depending on the profile. On average, clients receive $10K–$75K per card.

We typically work with 2 to 6 banks per client depending on the need, but we maintain active relationships with over 500+ financial institutions and are expanding that list every day.

Yes, absolutely. We help clients liquidate credit lines into cash when needed. Fees for liquidation typically range from 2% to 4%.

60%+ of our clients return for more capital.
If you paid in full upfront, you won't pay again.
If you choose the setup + 10% success fee model, you’ll pay 10% of the amount secured each time funding is obtained.

We submit applications to banks on your behalf (because we know the data points and have the relationships), and most institutions require a personal guarantor during the application process.

No. We only work with banks that do not report business credit activity to your personal credit. However, your personal credit must be optimized to qualify for high-limit funding.

You’ll get free access to our community, including a credit audit, a repair plan, and financial literacy training. Join here:
👉 FundFlow Mastery Free Community

Most clients with a 700+ score secure $80K–$200K in 0% interest business credit in Round 1.

If you have verifiable income, you may qualify for additional low-interest products like lines of credit.

If not, no worries—we often use stated income combined with our bank relationships to get the job done.

Rates typically range from 9% to 20%+, depending on your personal credit and the issuing bank. We have strategies for extending the 0% interest period another extra 1 to 2 years (balance transfer into another 0% interest product)

It depends on the bank:

Some start the clock when the card is delivered.

Others when the card is activated.

No. Our goal is efficiency, not volume.
We design your funding stack to:

Use the fewest number of accounts possible

Maximize access to 0% interest funding

Avoid reporting to personal credit (Capital One & Discover)

For clients with established businesses (2+ years) or revenue proof, we also pursue:

SBA Working Capital Loans

Lines of Credit

Bank-term loans and more

You technically can, but here’s the truth:

Banks change their lending policies every quarter 

BoA: Business checking account for at least two months and at least $1k in checking before applying 

Chase bank 5/24: Not more than 5 new accounts in the last 2 years

We submit hundreds of applications yearly, staying ahead of the curve

We have the banking relationships to stay ahead

We know the specific data points for each bank

Without that visibility, you risk burning bridges or missing out on your best opportunities

No problem! We help you set up a fundable business entity and position it properly to qualify for business credit. You do not need an existing business to get started.

Yes. To access business credit, you’ll need a registered legal entity (typically an LLC or corporation). If you don’t have one, we’ll guide you through setting it up correctly for funding purposes.

Some of the banks we work with may do soft pulls, while others may require hard inquiries. We carefully sequence applications to minimize the number and impact of any inquiries. And we delete the inquiries afterwards because the credit only reports to the business profile and not the personal. We can delete inquiries in as little as 72 hr v 2.5 years.

Most clients begin receiving approvals and cards within 7–21 business days from the time we start submitting applications. Full funding may complete over 30–45 days depending on the strategy and client profile.

To qualify for 0% interest business credit funding, you’ll generally need:

A 700+ personal credit score

Low credit utilization < 30%

No recent late payments (in last 2 years)

A registered LLC (or willingness to create one)

Optional: Proof of business income (Eg. bank statements, tax returns- for advanced funding products)

We’ve worked with clients in real estate, e-commerce, trucking, marketing, coaching, consulting, service-based businesses, and more. If your business is legal and fundable, we can help. 

Yes, we guarantee a minimum 50K in business funding

Yes. Once secured, you can use the capital for inventory, advertising, real estate, marketing, hiring, or any business purpose—even to invest in passive income streams like real estate or automation.

Not necessarily. We specialize in accessing funding using “stated income” and strong credit profiles, so many clients get approved without submitting financials or tax returns. However, if you have business income and documentation, it can open the door to even more funding options.

We go beyond just helping you apply for credit cards.

We build a custom strategic funding plan based on your personal and business profile

We ensure your credit is optimized before applying and we leave it even better after funding

We have deep relationships with 500+ banks, which gives us inside access to preferred products

We help you remove inquiries (leaving your credit stronger than ever) and offer financial literacy and repair support through our free community

And we teach you how to turn funding into cash flow and passive income, so your money starts working for you.

That’s exactly why working with our team is critical. We know which banks to approach based on your exact profile, and how to present your application the way underwriters want to see it. Even if you’ve been denied in the past, we’ve helped many clients still secure $50K–$250K+.

No—most of what we secure are business credit cards or revolving lines, which give you access to 0% interest capital with flexible payment terms. You’ll have the freedom to manage how and when you repay—unlike a traditional loan.

Yes. Many of our clients use their funding to acquire rental properties, fund renovations, or invest in cash-flowing assets. 

We even have real estate investing training to help you deploy your capital wisely.

Getting started is easy. Just schedule your free consultation or complete our pre-qualification form. We'll review your credit profile, build your personalized funding plan, and help you start accessing $50K–$250K+ in 0% interest capital.

No, getting a personal loan to pay off your credit card debt will not negatively impact your chances of getting business funding. In fact, it can often improve your chances.

Here’s why:

✅ Credit utilization matters most on revolving accounts (like credit cards). High balances relative to credit limits on these revolving accounts hurt your utilization ratio, which is a major factor in your credit score.

✅ Personal loans are installment accounts, which don’t factor into your revolving credit utilization at all. Paying off your credit cards with a personal loan can drop your utilization percentage dramatically—often leading to a higher credit score.

✅ A higher score and lower revolving utilization make you look less risky to lenders—both for personal and business credit—because they see you’re not maxed out on revolving debt.

✅ Business funding approvals often consider your personal credit profile (especially for unsecured or no-doc credit lines), so a lower utilization ratio can directly increase your chances of getting approved and accessing higher limits.

Most of the 0% interest business credit cards we help you secure come with introductory 0% APR periods ranging from 6 to 18 months. After the intro period, any remaining balance will begin accruing interest at the standard rate set by the issuing bank.

Once the promotional period ends (usually 12–18 months), the APR typically increases to the card’s standard rate (commonly 14%–24% depending on your credit profile and issuer). To avoid this, we help you strategically roll over or pay down balances before interest kicks in.

This type of funding is revolving credit — not amortized and no balloon payments. You can draw and pay back funds as needed within your credit limit, similar to a line of credit.

Absolutely. You can pay off the balance at any time — and in fact, that’s encouraged. There are no prepayment penalties with credit card-based funding.

You need to register the business in the same state where it was originally formed.

This is one of the best ways to not only increase your overall credit, (because it raises your “available” credit limit, not your balance) but also reduces your utilization in the short term.

Additionally, the more “available” credit you have the better and stronger your profile and scores. So, although, their benefits far outweigh the very short term impact of the hard inquiry (which also counts differently because it’s not “new credit").