Smart business funding. Zero red tape.
Get 0% interest credit lines with no revenue needed, fast revenue-based funding, or packages up to $300,000.
What We Have On The Desk
Three focused funding programs. Select a desk to review requirements and timelines.
0% Business Credit Funding
Business cards & credit lines at 0% interest for 12 to 18 months, approved on personal credit without business revenue.
Startups, owners who were declined, or anyone seeking working capital without equity or tax returns.
0% interest for the first 12 to 18 months on most lines. Pricing is simple and explained on your first call — you never pay a percentage of what you get.
We clean up credit first, design your funding plan, introduce you to the right banks in sequence, and guide your applications. You get a dedicated manager, direct chat, and a transparent portal.
Advantages
- No business revenue or tax returns required
- 0% interest for the first 12 to 18 months on most lines
- Most business cards don't report to your personal credit
- Funds can be turned into cash in your bank account
- Builds your business credit profile for bigger funding later
Requirements
- A business or an idea you are ready to form (we assist with the LLC)
- Personal credit we can work with — we resolve negatives and inquiries first
- No bankruptcy on your credit report
- No active child support
Startups, side businesses going full-time, real estate investors, and any owner who needs zero-interest working capital.
Soft pre-screen • No impact to your score
Quick Eligibility Calculator
Estimate your capital range and see your best-fit funding desk in seconds.
What You Have & What You Qualify For
Adjust the sliders to see your potential funding range and recommended desk.
No minimum score — we fix and build your credit before we apply. The score only changes the timeline, not whether we can help.
★ $20K+/mo unlocks Revenue-Based Funding — about one month of your deposits, often same day.
100% confidential. No hard inquiries to check options.
From call to funded, in 5 steps
No stacks of paperwork or weeks of branch appointments.
Book a call
45 minutes. We look at what you need and what you have.
Get started
You get your client portal, a direct chat channel with the team, and a dedicated account manager the same day.
We fix the credit
Inquiries, negatives, balances. Usually 2 to 4 weeks. You see every task in your portal.
We build the plan and apply
The right banks, the right order, with introductions where they help.
You get funded
First approvals usually within 4 to 6 weeks of starting. Most clients reach $50,000 to $150,000 in the first round, and we keep going from there.
You see every step in your own portal, and one person answers for your file.
Can we help you? Probably yes.
We work around almost everything — except two things.
A startup with no business history
Yes. We set up the business and build the profile.
An owner with a late payment, collections, or a few inquiries
Yes. We clean it up first, then apply.
Declined by a bank or another funder
Yes. Declined by them isn't declined by us.
Doing $20,000+ a month in deposits
Yes, and fast. See Revenue-Based Funding.
Needing more than $150,000
Yes. See Bigger Funding Packages.
A 560 score with a thin file
Yes, it just takes longer (usually 3 to 4 months).
In trucking or construction
Yes. With deposits it's straightforward; early stage, we set up a separate entity.
Carrying a bankruptcy on your credit report
No.
Under active child support
No.
Frequently Asked Questions
Clear answers about credit, timelines, amounts, and cost.
Do I need good credit?
No. We fix and build your credit before we apply. The only two things we can't work around are a bankruptcy on your report and active child support.
How long does it take?
Credit funding: about 4 to 8 weeks to first funding. Revenue-based: often same day. Bigger packages: a few weeks after your first round.
How much can I get?
Credit funding usually $50,000 to $150,000. Revenue-based, about one month of your deposits. Bigger packages, up to about $300,000 total.
Will this hurt my personal credit or a future bank loan?
Most business cards don't report to your personal credit, and the funding sits on your business, not on you. We'll walk you through exactly what shows up where.
What does it cost?
Pricing is simple and explained on your first call. You never pay a percentage of what you get, and most of the fee is only due after you're funded.
Who am I working with?
[Partner Name]'s Funding Desk: a dedicated account manager, a credit team, and a funding team, all reachable in your own chat channel, with every step visible in your portal.
Ready to see what your business qualifies for?
Book a 45-minute call to connect with our team and receive your tailored funding roadmap.