Step 4: Business Funding

Business Credit Card Stacking & Funding (Using Personal Credit) – Summary for Entrepreneurs & Business Owners

What It Is:
Business credit card stacking is a funding strategy where entrepreneurs secure multiple business credit cards (often simultaneously) to access a significant amount of revolving capital—typically ranging from $25,000 to $250,000+—using their personal credit profile as the initial qualifier.

🔑 How It Works:

1. Personal Credit as the Gateway:
   Lenders evaluate your personal credit score, credit history, utilization, inquiries, and payment behavior to determine your eligibility.
2. Apply Strategically Across Lenders:
   With the help of funding experts or DIY, you apply for multiple business credit cards from different banks or issuers—in the same time window—before inquiries appear on your report.
3. Cards Report to Business Bureaus:
   These business credit cards typically do NOT report to personal credit bureaus, meaning your personal credit utilization stays low, protecting your score.
4. Build Business Credit Profile:
   These accounts begin building your business credit profile (Dun & Bradstreet, Experian Biz, Equifax Biz) while giving you access to interest-free (0% APR) periods, often for 6–18 months.
5. Use of Funds:
   The capital can be used for startup costs, marketing, inventory, hiring, or scaling—with flexibility and no restrictions like traditional loans.

✅ Benefits:

• Fast Access to Capital (1–4 weeks)
• 0% Intro APR Offers (on many cards)
• No Collateral or Business Revenue Needed
• Keeps Personal Utilization Low
• Builds Business Credit Profile

⚠️ Requirements:

• 680+ Personal Credit Score (Ideally 700+)
• Low Personal Credit Utilization (<30%, ideally <10%)
• Few or No Recent Inquiries
• Clean Credit History (no recent negatives)
• A Registered Business Entity (LLC, S-Corp, etc.)
• EIN + Business Bank Account

🎯 Ideal For:

• Startups without revenue
• E-commerce, real estate, service businesses
• Founders needing fast, flexible funding without giving up equity