Capital at 0% intro APR.
Up to $150K in credit-based funding that costs nothing in interest during the introductory window. Banks issue it, we structure it.
Interest-free capital, structured right.
Banks compete for strong credit profiles by offering credit lines with 0% introductory APR, typically for 12 to 21 months depending on the issuer. Most people apply for one card at a time and leave most of their approval potential on the table.
We are a funding facilitator, not a lender. We structure and sequence your applications across issuers so your combined approvals reach up to $150K, all of it at 0% intro APR during the promotional window. The banks make every credit decision. We make sure your profile shows up to the right banks, in the right order.
From application to funding typically takes around two weeks.
Where this capital wins.
Starting a Business
Cover inventory, equipment, and setup costs without interest eating your runway before revenue shows up.
Real Estate Projects
Fund renovations and carrying costs on a flip where the payback event is the sale itself.
Scaling What Works
Pour capital into ads, hires, or stock for a business that already converts, and keep every dollar of return.
What happens after the intro window.
The 0% period is temporary. When it ends, issuer standard rates apply to any remaining balance. That is exactly why this capital fits projects with a clear payback plan inside the window, and why our advisors talk through your exit before you spend a dollar.
Applying also results in hard inquiries, which may dip your score a few points temporarily. If you are mid-mortgage, close that first. We will tell you the same thing on the call.
Asked often.
Do you issue the credit?
No. We are a funding facilitator, not a lender. The issuing banks decide approvals, limits, and terms. We structure and sequence the applications.
How long is the 0% intro window?
Typically 12 to 21 months. Each issuer sets its own promotional period and terms.
Is approval guaranteed?
No, and be wary of anyone who says otherwise. Approvals depend entirely on your credit profile. Our qualifications page shows exactly what banks look for.
What if I need more than $150K?
Amounts above $150K run through our working capital, term loan, and real estate programs. Book a call and we will route you to the right one.
Fund your next move at 0% intro APR.
Book a call and an advisor will walk your profile through the numbers before you apply to anything.
More ways to fund it.
Working Capital Lines
See how this program works and who it fits.
Term Loans
See how this program works and who it fits.
Short-Term Financing
See how this program works and who it fits.
Debt Consolidation
See how this program works and who it fits.
Real Estate Programs
See how this program works and who it fits.