Clean the slate.
You get one simple term loan at a set interest rate. It pays off your current credit card balances, all at once. One loan, one payment, no games.
Our specialty
Zero-interest working capital, done in the right order.
Most business owners think funding means one big loan. There's another way, and almost nobody takes the time to explain it. It's called credit card stacking, and it works in three steps.
Wait for the right moment.
Once those payoffs show up on your credit report, your profile changes. Lenders see you differently. This window is the part most people miss. Apply too early and you get denied. Wait too long and you lose the advantage.
Stack the zero-interest cards.
At just the right time, our team applies with several lenders at once. Some cards may be in your name, some in your business's name, whatever fits your situation. Many come with 0% interest for the intro period. That's your working capital, and it costs you nothing in interest while you put it to work.
Timing is everything. That's why you need a team.
Every lender is different. One funder might not even look at your credit score while another one will. We can apply with two funders at the same time and see what each comes back with, so you get options, not a single yes-or-no.
It's not just Deb. It's a full team, every day.
You're not getting one person squeezing your file in between calls. Here's who's actually working it.
Reviewed by a team
Your file gets more than one set of eyes before it goes to a lender.
Worked all day, every day
Funding files are what this team does — not something squeezed in between other work.
One person you trust
You still deal with Deb. She just has 25+ years of accounting experience overseeing every file behind her.
What it takes to get funded.
Before any lender says yes, they look for the same handful of things. Check yourself against this list and you'll know exactly where you stand.
- 1. A good-enough credit score Not a perfect one. "Good enough" depends on the funder. Some don't even pull your score.
- 2. Enough credit history A great score with a thin file still gets a no. Lenders want to see time.
- 3. Active, ongoing credit Accounts you're using and handling well right now. Old closed accounts don't count for much.
- 4. Personal cards below 30% of their limits The one most people can fix themselves, and it moves the needle fast.
- 5. No surprises on your report Know what's on it before a lender does. Errors and old collections can be dealt with, but only if you know they're there.
- 6. Business paperwork in order An entity, an EIN, and a business bank account. Simple, but plenty of people skip it.
- 7. A clear number How much you need and what it's for. "As much as I can get" reads as a red flag. "$40,000 for inventory ahead of my busy season" reads as a plan.
Have most of these? You're closer than you think. Missing a few? Every one of them is fixable, and helping people fix them, in the right order, at the right time, is exactly what we do.
“A lot of people say no to funding companies for one reason: they don't know who to trust. So we made trust the whole point.”Deb Hellman, Founder & Funding Advisor
- Getting your options never requires your Social Security number. If someone calls asking for it, it isn't us.
- Our application is online, in a secure place, and takes a few minutes.
- We look at your funding the way an accountant does: what it costs you, and what it does for your cash flow.
Find out if stacking fits your situation.
Answer a few questions and see where you stand. Soft pull only, no pressure either way.