Master the 0% APR funding strategy. Learn card stacking, credit line increases, and how to access $50K-$300K in interest-free capital for your business.

0% APR Business Funding: How to Access $50K-$300K Interest-Free

What if you could borrow $100,000 for your business and pay zero interest?

No bank loan. No venture capital. No giving up equity. Just credit cards—strategically stacked—giving you access to capital that costs nothing for 12-21 months.

This isn't a hack or a loophole. It's a legitimate funding strategy used by savvy entrepreneurs who understand how 0% APR promotional offers work. The key is knowing which cards to get, when to get them, and how to structure everything so you maximize funding while protecting your credit.

I've seen business owners use this strategy to fund inventory launches, bridge cash flow gaps, invest in marketing, and even acquire smaller competitors. When done right, it's essentially free money.

Here's how the 0% APR funding strategy works.

What you'll learn:

How 0% APR promotional periods actually work
The card stacking strategy for maximum credit access
Which cards offer the longest 0% periods
How to time applications for optimal results
Exit strategies before promotional rates expire

How 0% APR Business Funding Works

Most business credit cards offer promotional 0% APR periods on purchases, balance transfers, or both. These periods typically last 9-21 months.

During this window, you can carry a balance without paying interest. The minimum payment is usually 1-2% of your balance. As long as you make minimums and pay off the balance before the promotional period ends, you pay zero interest.

The math:

Let's say you get approved for a Chase Ink Business Preferred with a $25,000 credit limit and 12 months of 0% APR on purchases.

You spend $25,000 on inventory
Minimum payments: ~$500/month
Total paid over 12 months in minimums: ~$6,000
Remaining balance after 12 months: ~$19,000
You pay off the $19,000 before month 12 ends
Total interest paid: $0

Compare that to a business loan at 12% APR:

Same $25,000 borrowed
12-month term
Interest cost: ~$1,600
Savings with 0% APR: $1,600

Now multiply that across 3-5 cards with $20K-$50K limits each. You're looking at $60K-$250K in interest-free capital.

The Card Stacking Strategy

Card stacking means strategically applying for multiple business credit cards to maximize your total available credit. It's not about gaming the system—it's about optimizing your applications.

The Fundamentals

1. Space out applications

Don't apply for five cards in one week. Each application generates a hard inquiry. Too many inquiries in a short period signals desperation to lenders and can result in denials.

Optimal spacing: 30-90 days between applications.

2. Start with your existing bank

If you have a business checking account with Chase, apply for Chase business cards first. Existing relationships improve approval odds and often result in higher limits.

3. Match cards to your spending patterns

Cards reward different categories. Get cards that match where your business actually spends money:

Heavy advertising spend → cards with ad bonuses
Lots of office supplies → cards with office category bonuses
Travel-heavy → cards with travel perks

4. Prioritize 0% APR length over rewards

For funding purposes, a card with 18 months at 0% and mediocre rewards beats a card with great rewards and only 9 months at 0%.

The Optimal Application Sequence

Month 1: Chase

Chase Ink Business Preferred OR Unlimited
Why first: Chase has the "5/24 rule" (won't approve if you've opened 5+ personal cards in 24 months)
Typical limit: $10K-$50K

Month 2: American Express

Amex Blue Business Plus
0% APR for 12 months
No preset spending limit (but effectively $25K-$100K)
2x points on everything up to $50K/year

Month 3: Capital One

Capital One Spark Cash Plus
Unlimited 2% cashback
Often generous limits for established businesses

Month 4: Second Chase or Bank of America

Chase Ink Cash (if you got Preferred first)
OR Bank of America Business Advantage

Month 5+: Fill gaps

US Bank business cards
Wells Fargo business cards
Store cards with 0% promotions (Staples, Amazon Business)

Real Example: $150K Stack

Card	Credit Limit	0% APR Period
Chase Ink Business Preferred	$35,000	12 months
Chase Ink Business Cash	$25,000	12 months
Amex Blue Business Plus	$40,000	12 months
Capital One Spark	$30,000	9 months
Bank of America Business Advantage	$20,000	9 months
Total	$150,000	9-12 months

That's $150,000 in available credit at 0% interest. Even if you only use 50% of it, you're looking at $75,000 in interest-free capital.

Best 0% APR Business Cards (2025)

Tier 1: Longest 0% Periods

Chase Ink Business Unlimited

0% APR: 12 months on purchases
Credit limits: $10K-$75K typical
Best for: General business spending

American Express Blue Business Plus

0% APR: 12 months on purchases
Credit limits: Flexible (no preset limit)
Best for: High-volume spending

Chase Ink Business Preferred

0% APR: 12 months on purchases
Credit limits: $10K-$100K typical
Best for: Travel and phone/internet bonuses

Tier 2: Good 0% Periods + Strong Rewards

Capital One Spark Cash Plus

0% APR: 9 months on purchases
Credit limits: $20K-$50K typical
Best for: Straight cashback

US Bank Business Triple Cash

0% APR: 15 months on purchases
Credit limits: $5K-$25K typical
Best for: Gas, office supplies, cell phone

Bank of America Business Advantage

0% APR: 9 months on purchases
Credit limits: $10K-$50K typical
Best for: Existing BoA customers

Tier 3: Balance Transfers

If you already have business debt, these cards let you transfer existing balances at 0%:

Discover it Business Card

0% APR: 12 months on balance transfers
Transfer fee: 3%

US Bank Business Platinum

0% APR: 18 months on balance transfers
Transfer fee: 3%

Credit Line Increases: Double Your Funding

Your initial credit limit isn't your final limit. Most issuers will increase your credit line after 6-12 months of responsible use.

How to Get Credit Line Increases

Chase:

Wait 6 months after opening
Request through Chase Business online portal
Soft pull for existing customers
Average increase: 50-100% of original limit

American Express:

Request through Amex app or website
Often approves 3x original limit
Soft pull for established accounts

Capital One:

Automatic increases common
Can request after 6 months
Hard pull for manual requests

Bank of America:

Request through online banking
Preferred Status customers get better results

CLI Strategy

Request increases every 6 months
Always accept automatic increases
Keep utilization below 30% before requesting
Time requests after positive statement cycles

A $25K limit can become $50K within 12-18 months. Your original card stack of $150K could become $250K+ with strategic CLI requests.

Timing Your Applications

When you apply matters almost as much as which cards you apply for.

Best Times to Apply

After Q4 spending: January-February. Issuers want to capture new business year spending.

After tax season: April-May. Banks flush with deposits, looser credit.

Before holiday season: September-October. Issuers pushing cards for Q4 spending.

Worst Times to Apply

December: Issuers tightening credit before year-end.

August: Traditionally slower approval month.

After economic bad news: Banks tighten lending immediately after market drops.

Personal Credit Timing

Your personal credit affects business card approvals. Before applying:

Check your personal credit scores (should be 680+ for best results)
Pay down personal card balances below 30% utilization
Don't apply for personal credit in the same 30-day window

Using Your 0% APR Capital Wisely

You've got the credit. Now what?

Best Uses for 0% Capital

Inventory: Buy inventory at discount, sell over promotional period. Your profit margin is higher because you're not paying interest on inventory financing.

Equipment: Need equipment that will generate ROI within 12 months? 0% APR is cheaper than leasing.

Marketing: Customer acquisition campaigns with measurable ROI. Spend $20K on ads, generate $60K in revenue, pay back the $20K before 0% ends.

Bridge financing: Cover a gap between invoicing and payment. Common in B2B businesses with 30-60 day payment terms.

Seasonal preparation: Ramp up before busy season, pay back during high-revenue months.

Risky Uses (Be Careful)

Payroll: Only if you're 100% confident revenue will cover it. Missing payroll is catastrophic; so is defaulting on credit cards.

Speculative investments: Don't put 0% capital into crypto, stocks, or anything without guaranteed returns.

Lifestyle expenses: This isn't free money. It's borrowed money with a deadline.

Exit Strategies: Before the 0% Ends

The promotional period ends eventually. Interest rates jump to 15-25% APR. You need a plan.

Option 1: Pay Off in Full

The simplest approach. Budget your payments so the balance hits zero before the promotional period ends.

If you borrowed $50,000:

12-month promotional period
Monthly payment needed: ~$4,200

Make sure your business can sustain these payments while maintaining operations.

Option 2: Balance Transfer

Transfer the remaining balance to a new 0% APR card. You'll pay a 3-5% transfer fee, but avoid 20%+ interest.

Example:

$30,000 remaining balance
Transfer fee: 3% = $900
New 0% period: 15 months
Cost to extend: $900 (vs. ~$4,500 in interest over 15 months)

Option 3: Business Line of Credit Payoff

Use a business line of credit to pay off card balances. LOC rates are typically 7-15%—much better than card APRs.

This converts revolving debt to a more structured payment plan.

Option 4: Revenue-Based Paydown

Structure your business to generate specific revenue allocated to debt paydown. For example, allocate 100% of one product line's profit to paying down 0% balances.

What NOT to Do

Don't ignore the deadline. Mark your calendar. Set reminders starting 90 days before expiration.

Don't make minimum payments then panic. If you've been paying minimums, you have a large balance coming due.

Don't close the card after payoff. Closing cards hurts your credit utilization ratio. Keep them open, use occasionally, pay in full.

Credit Score Impact

Using this strategy affects your credit—both business and personal.

Business Credit Impact

Positive:

Multiple trade lines build profile
On-time payments improve scores
Higher total available credit

Negative:

High utilization during funding period
Multiple inquiries in short period

Mitigation:

Keep at least one card at <10% utilization
Space applications to minimize inquiry impact
Pay down quickly to reduce utilization

Personal Credit Impact

Most business cards soft-pull or hard-pull your personal credit for approval, but many don't report balances to personal bureaus.

Cards that don't report to personal credit:

Chase Ink Business (unless you default)
Capital One Spark
Brex, Ramp, Divvy (no personal reporting)

Cards that DO report to personal credit:

American Express Business (reports to personal)
Bank of America Business (reports to personal)
Discover Business (reports to personal)

Prioritize cards that don't report if you want to protect your personal DTI ratio.

Case Study: $200K Funding in 8 Months

Business: E-commerce store selling outdoor equipment Starting point: 2 years in business, $400K annual revenue, owner credit score 740

Month 1:

Applied Chase Ink Business Preferred: Approved $40,000
Applied Chase Ink Business Cash: Approved $30,000

Month 3:

Applied Amex Blue Business Plus: Approved $50,000
Requested CLI on Chase Preferred: Increased to $55,000

Month 5:

Applied Capital One Spark: Approved $35,000
Applied Bank of America Business: Approved $25,000

Month 8:

Requested CLI on Amex: Increased to $75,000
Requested CLI on Chase Cash: Increased to $40,000

Total available credit: $230,000 Total utilized for inventory: $180,000

The business used $180,000 to bulk-purchase inventory at 40% discount. Sold through inventory over 10 months. Profit margin improvement covered the entire $180,000 balance with $60,000 additional profit.

Result: Essentially free working capital that generated $60,000 in additional profit.

Common Mistakes to Avoid

Mistake 1: Applying for too many cards at once Three hard inquiries in a week = red flag. Space applications 30-90 days.

Mistake 2: Maxing out immediately Using 100% of your credit limit hurts your score. Stay below 70% per card, ideally below 50%.

Mistake 3: Forgetting promotional end dates Mark calendars 90, 60, and 30 days before each card's 0% period ends.

Mistake 4: No exit plan If you can't pay off or transfer the balance, you'll pay 20%+ interest on whatever remains.

Mistake 5: Using for non-business expenses Keep expenses legitimately business-related. Mixing personal and business creates accounting nightmares and potential legal issues.

Your 0% APR Funding Action Plan

Prerequisites

Business entity established (LLC/Corp)
Business bank account open 3+ months
Personal credit score 680+ (720+ ideal)
Annual revenue documented ($50K+ helps)

Month 1

Check personal credit, pay down any high balances
Apply for Chase Ink Business card
If approved, wait 30 days before next application

Month 2-3

Apply for second card (Amex or Capital One)
Begin using first card for business expenses
Set up automatic minimum payments

Month 4-5

Apply for third card
Request credit line increase on first card
Document all expenses for accounting

Month 6+

Continue adding cards as needed
Regular CLI requests every 6 months
Monitor all promotional period end dates
Begin paydown strategy 90 days before first 0% expires

Next Steps

The 0% APR funding strategy isn't for everyone. It requires discipline, planning, and a clear use for the capital. But for businesses that can execute it properly, it's one of the most cost-effective funding methods available.

Start with one card. Prove you can manage it. Then scale up strategically.

Need help building your 0% APR funding strategy? Freedom Consulting helps business owners access $50K-$300K in interest-free capital. Book a free consultation to create your personalized funding roadmap.

Disclaimer: Results vary based on individual circumstances. Credit decisions are made by third-party lenders. This guide is for informational purposes and does not guarantee specific credit amounts or approval.

Dive Deeper: Related Guides

Explore our detailed guides on specific topics:

0% APR Business Funding: How to Access $50K-$300K Interest-Free

What if you could borrow $100,000 for your business and pay zero interest?

No bank loan. No venture capital. No giving up equity. Just credit cards—strategically stacked—giving you access to capital that costs nothing for 12-21 months.

I've seen business owners use this strategy to fund inventory launches, bridge cash flow gaps, invest in marketing, and even acquire smaller competitors. When done right, it's essentially free money.

Here's how the 0% APR funding strategy works.

What you'll learn:

How 0% APR promotional periods actually work
The card stacking strategy for maximum credit access
Which cards offer the longest 0% periods
How to time applications for optimal results
Exit strategies before promotional rates expire

How 0% APR Business Funding Works

Most business credit cards offer promotional 0% APR periods on purchases, balance transfers, or both. These periods typically last 9-21 months.

The math:

Let's say you get approved for a Chase Ink Business Preferred with a $25,000 credit limit and 12 months of 0% APR on purchases.

You spend $25,000 on inventory
Minimum payments: ~$500/month
Total paid over 12 months in minimums: ~$6,000
Remaining balance after 12 months: ~$19,000
You pay off the $19,000 before month 12 ends
Total interest paid: $0

Compare that to a business loan at 12% APR:

Same $25,000 borrowed
12-month term
Interest cost: ~$1,600
Savings with 0% APR: $1,600

Now multiply that across 3-5 cards with $20K-$50K limits each. You're looking at $60K-$250K in interest-free capital.

The Card Stacking Strategy

Card stacking means strategically applying for multiple business credit cards to maximize your total available credit. It's not about gaming the system—it's about optimizing your applications.

The Fundamentals

1. Space out applications

Don't apply for five cards in one week. Each application generates a hard inquiry. Too many inquiries in a short period signals desperation to lenders and can result in denials.

Optimal spacing: 30-90 days between applications.

2. Start with your existing bank

If you have a business checking account with Chase, apply for Chase business cards first. Existing relationships improve approval odds and often result in higher limits.

3. Match cards to your spending patterns

Cards reward different categories. Get cards that match where your business actually spends money:

Heavy advertising spend → cards with ad bonuses
Lots of office supplies → cards with office category bonuses
Travel-heavy → cards with travel perks

4. Prioritize 0% APR length over rewards

For funding purposes, a card with 18 months at 0% and mediocre rewards beats a card with great rewards and only 9 months at 0%.

The Optimal Application Sequence

Month 1: Chase

Chase Ink Business Preferred OR Unlimited
Why first: Chase has the "5/24 rule" (won't approve if you've opened 5+ personal cards in 24 months)
Typical limit: $10K-$50K

Month 2: American Express

Amex Blue Business Plus
0% APR for 12 months
No preset spending limit (but effectively $25K-$100K)
2x points on everything up to $50K/year

Month 3: Capital One

Capital One Spark Cash Plus
Unlimited 2% cashback
Often generous limits for established businesses

Month 4: Second Chase or Bank of America

Chase Ink Cash (if you got Preferred first)
OR Bank of America Business Advantage

Month 5+: Fill gaps

US Bank business cards
Wells Fargo business cards
Store cards with 0% promotions (Staples, Amazon Business)

Real Example: $150K Stack

Card	Credit Limit	0% APR Period
Chase Ink Business Preferred	$35,000	12 months
Chase Ink Business Cash	$25,000	12 months
Amex Blue Business Plus	$40,000	12 months
Capital One Spark	$30,000	9 months
Bank of America Business Advantage	$20,000	9 months
Total	$150,000	9-12 months

That's $150,000 in available credit at 0% interest. Even if you only use 50% of it, you're looking at $75,000 in interest-free capital.

Best 0% APR Business Cards (2025)

Tier 1: Longest 0% Periods

Chase Ink Business Unlimited

0% APR: 12 months on purchases
Credit limits: $10K-$75K typical
Best for: General business spending

American Express Blue Business Plus

0% APR: 12 months on purchases
Credit limits: Flexible (no preset limit)
Best for: High-volume spending

Chase Ink Business Preferred

0% APR: 12 months on purchases
Credit limits: $10K-$100K typical
Best for: Travel and phone/internet bonuses

Tier 2: Good 0% Periods + Strong Rewards

Capital One Spark Cash Plus

0% APR: 9 months on purchases
Credit limits: $20K-$50K typical
Best for: Straight cashback

US Bank Business Triple Cash

0% APR: 15 months on purchases
Credit limits: $5K-$25K typical
Best for: Gas, office supplies, cell phone

Bank of America Business Advantage

0% APR: 9 months on purchases
Credit limits: $10K-$50K typical
Best for: Existing BoA customers

Tier 3: Balance Transfers

If you already have business debt, these cards let you transfer existing balances at 0%:

Discover it Business Card

0% APR: 12 months on balance transfers
Transfer fee: 3%

US Bank Business Platinum

0% APR: 18 months on balance transfers
Transfer fee: 3%

Credit Line Increases: Double Your Funding

Your initial credit limit isn't your final limit. Most issuers will increase your credit line after 6-12 months of responsible use.

How to Get Credit Line Increases

Chase:

Wait 6 months after opening
Request through Chase Business online portal
Soft pull for existing customers
Average increase: 50-100% of original limit

American Express:

Request through Amex app or website
Often approves 3x original limit
Soft pull for established accounts

Capital One:

Automatic increases common
Can request after 6 months
Hard pull for manual requests

Bank of America:

Request through online banking
Preferred Status customers get better results

CLI Strategy

Request increases every 6 months
Always accept automatic increases
Keep utilization below 30% before requesting
Time requests after positive statement cycles

A $25K limit can become $50K within 12-18 months. Your original card stack of $150K could become $250K+ with strategic CLI requests.

Timing Your Applications

When you apply matters almost as much as which cards you apply for.

Best Times to Apply

After Q4 spending: January-February. Issuers want to capture new business year spending.

After tax season: April-May. Banks flush with deposits, looser credit.

Before holiday season: September-October. Issuers pushing cards for Q4 spending.

Worst Times to Apply

December: Issuers tightening credit before year-end.

August: Traditionally slower approval month.

After economic bad news: Banks tighten lending immediately after market drops.

Personal Credit Timing

Your personal credit affects business card approvals. Before applying:

Check your personal credit scores (should be 680+ for best results)
Pay down personal card balances below 30% utilization
Don't apply for personal credit in the same 30-day window

Using Your 0% APR Capital Wisely

You've got the credit. Now what?

Best Uses for 0% Capital

Inventory: Buy inventory at discount, sell over promotional period. Your profit margin is higher because you're not paying interest on inventory financing.

Equipment: Need equipment that will generate ROI within 12 months? 0% APR is cheaper than leasing.

Marketing: Customer acquisition campaigns with measurable ROI. Spend $20K on ads, generate $60K in revenue, pay back the $20K before 0% ends.

Bridge financing: Cover a gap between invoicing and payment. Common in B2B businesses with 30-60 day payment terms.

Seasonal preparation: Ramp up before busy season, pay back during high-revenue months.

Risky Uses (Be Careful)

Payroll: Only if you're 100% confident revenue will cover it. Missing payroll is catastrophic; so is defaulting on credit cards.

Speculative investments: Don't put 0% capital into crypto, stocks, or anything without guaranteed returns.

Lifestyle expenses: This isn't free money. It's borrowed money with a deadline.

Exit Strategies: Before the 0% Ends

The promotional period ends eventually. Interest rates jump to 15-25% APR. You need a plan.

Option 1: Pay Off in Full

The simplest approach. Budget your payments so the balance hits zero before the promotional period ends.

If you borrowed $50,000:

12-month promotional period
Monthly payment needed: ~$4,200

Make sure your business can sustain these payments while maintaining operations.

Option 2: Balance Transfer

Transfer the remaining balance to a new 0% APR card. You'll pay a 3-5% transfer fee, but avoid 20%+ interest.

Example:

$30,000 remaining balance
Transfer fee: 3% = $900
New 0% period: 15 months
Cost to extend: $900 (vs. ~$4,500 in interest over 15 months)

Option 3: Business Line of Credit Payoff

Use a business line of credit to pay off card balances. LOC rates are typically 7-15%—much better than card APRs.

This converts revolving debt to a more structured payment plan.

Option 4: Revenue-Based Paydown

Structure your business to generate specific revenue allocated to debt paydown. For example, allocate 100% of one product line's profit to paying down 0% balances.

What NOT to Do

Don't ignore the deadline. Mark your calendar. Set reminders starting 90 days before expiration.

Don't make minimum payments then panic. If you've been paying minimums, you have a large balance coming due.

Don't close the card after payoff. Closing cards hurts your credit utilization ratio. Keep them open, use occasionally, pay in full.

Credit Score Impact

Using this strategy affects your credit—both business and personal.

Business Credit Impact

Positive:

Multiple trade lines build profile
On-time payments improve scores
Higher total available credit

Negative:

High utilization during funding period
Multiple inquiries in short period

Mitigation:

Keep at least one card at <10% utilization
Space applications to minimize inquiry impact
Pay down quickly to reduce utilization

Personal Credit Impact

Most business cards soft-pull or hard-pull your personal credit for approval, but many don't report balances to personal bureaus.

Cards that don't report to personal credit:

Chase Ink Business (unless you default)
Capital One Spark
Brex, Ramp, Divvy (no personal reporting)

Cards that DO report to personal credit:

American Express Business (reports to personal)
Bank of America Business (reports to personal)
Discover Business (reports to personal)

Prioritize cards that don't report if you want to protect your personal DTI ratio.

Case Study: $200K Funding in 8 Months

Business: E-commerce store selling outdoor equipment Starting point: 2 years in business, $400K annual revenue, owner credit score 740

Month 1:

Applied Chase Ink Business Preferred: Approved $40,000
Applied Chase Ink Business Cash: Approved $30,000

Month 3:

Applied Amex Blue Business Plus: Approved $50,000
Requested CLI on Chase Preferred: Increased to $55,000

Month 5:

Applied Capital One Spark: Approved $35,000
Applied Bank of America Business: Approved $25,000

Month 8:

Requested CLI on Amex: Increased to $75,000
Requested CLI on Chase Cash: Increased to $40,000

Total available credit: $230,000 Total utilized for inventory: $180,000

Result: Essentially free working capital that generated $60,000 in additional profit.

Common Mistakes to Avoid

Mistake 1: Applying for too many cards at once Three hard inquiries in a week = red flag. Space applications 30-90 days.

Mistake 2: Maxing out immediately Using 100% of your credit limit hurts your score. Stay below 70% per card, ideally below 50%.

Mistake 3: Forgetting promotional end dates Mark calendars 90, 60, and 30 days before each card's 0% period ends.

Mistake 4: No exit plan If you can't pay off or transfer the balance, you'll pay 20%+ interest on whatever remains.

Mistake 5: Using for non-business expenses Keep expenses legitimately business-related. Mixing personal and business creates accounting nightmares and potential legal issues.

Your 0% APR Funding Action Plan

Prerequisites

Business entity established (LLC/Corp)
Business bank account open 3+ months
Personal credit score 680+ (720+ ideal)
Annual revenue documented ($50K+ helps)

Month 1

Check personal credit, pay down any high balances
Apply for Chase Ink Business card
If approved, wait 30 days before next application

Month 2-3

Apply for second card (Amex or Capital One)
Begin using first card for business expenses
Set up automatic minimum payments

Month 4-5

Apply for third card
Request credit line increase on first card
Document all expenses for accounting

Month 6+

Continue adding cards as needed
Regular CLI requests every 6 months
Monitor all promotional period end dates
Begin paydown strategy 90 days before first 0% expires

Next Steps

Start with one card. Prove you can manage it. Then scale up strategically.

Dive Deeper: Related Guides

Explore our detailed guides on specific topics:

0% APR Business Funding: How to Access $50K-$300K Interest-Free

0% APR Business Funding: How to Access $50K-$300K Interest-Free

How 0% APR Business Funding Works

The Card Stacking Strategy

The Fundamentals

The Optimal Application Sequence

Real Example: $150K Stack

Best 0% APR Business Cards (2025)

Tier 1: Longest 0% Periods

Tier 2: Good 0% Periods + Strong Rewards

Tier 3: Balance Transfers

Credit Line Increases: Double Your Funding

How to Get Credit Line Increases

CLI Strategy

Timing Your Applications

Best Times to Apply

Worst Times to Apply

Personal Credit Timing

Using Your 0% APR Capital Wisely

Best Uses for 0% Capital

Risky Uses (Be Careful)

Exit Strategies: Before the 0% Ends

Option 1: Pay Off in Full

Option 2: Balance Transfer

Option 3: Business Line of Credit Payoff

Option 4: Revenue-Based Paydown

What NOT to Do

Credit Score Impact

Business Credit Impact

Personal Credit Impact

Case Study: $200K Funding in 8 Months

Common Mistakes to Avoid

Your 0% APR Funding Action Plan

Prerequisites

Month 1

Month 2-3

Month 4-5

Month 6+

Next Steps

Dive Deeper: Related Guides

Need Help with Your Credit Strategy?

Related Articles

Business Credit Monitoring: Track Your Scores and Protect Your Profile

LLC Credit Building: Establish Business Credit for Your LLC

Business Tradelines: How They Work and Why They Matter

0% APR Business Funding: How to Access $50K-$300K Interest-Free

0% APR Business Funding: How to Access $50K-$300K Interest-Free

How 0% APR Business Funding Works

The Card Stacking Strategy

The Fundamentals

The Optimal Application Sequence

Real Example: $150K Stack

Best 0% APR Business Cards (2025)

Tier 1: Longest 0% Periods

Tier 2: Good 0% Periods + Strong Rewards

Tier 3: Balance Transfers

Credit Line Increases: Double Your Funding

How to Get Credit Line Increases

CLI Strategy

Timing Your Applications

Best Times to Apply

Worst Times to Apply

Personal Credit Timing

Using Your 0% APR Capital Wisely

Best Uses for 0% Capital

Risky Uses (Be Careful)

Exit Strategies: Before the 0% Ends

Option 1: Pay Off in Full

Option 2: Balance Transfer

Option 3: Business Line of Credit Payoff

Option 4: Revenue-Based Paydown

What NOT to Do

Credit Score Impact

Business Credit Impact

Personal Credit Impact

Case Study: $200K Funding in 8 Months

Common Mistakes to Avoid

Your 0% APR Funding Action Plan

Prerequisites

Month 1