Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business
Using Credit as a Down Payment on a Fix & Flip or BRRRR Property
Launching a New Business
Scaling an E-Commerce Store
Funding Marketing for a Service-Based Business

Capital Stacking/No-Doc Funding

How it works

Capital stacking is the strategy of combining multiple no-doc, 0% interest business credit lines to access large amounts of funding—without income verification, tax returns, or jumping through hoops. We help you build a strong business credit profile and stack funding sources that don't show up on your personal credit, so you can grow your business without the usual barriers or high costs.

Expanding Operations & Hiring Staff

Fund business growth by accessing capital for new locations, equipment, and additional employees.

Purchasing Inventory & Equipment

Secure funding to buy inventory at scale or invest in specialized equipment and technology.

Marketing & Lead Generation

Finance comprehensive marketing campaigns to drive customer acquisition and business growth.

Paying Off High-Interest Debt & Improving Cash Flow

Consolidate and refinance existing debts to reduce monthly payments and free up working capital.

Downpayment For Real Estate or Business Acquisitions

Access capital for down payments on property investments or purchasing existing businesses.

What we will do together

1. Apply

Start with a thorough analysis of your financial situation, funding needs, and long-term objectives to determine the optimal capital stack.

Get Started

2. Review

Review your customized capital stack options, combining different funding types and sources to achieve your specific goals.

3. Receive

Access your funding as we coordinate between multiple capital providers to implement your capital stack efficiently.

Who can we help

Minimum FICO Scores

680+

Documentation

Minimal

No income verification required

Time Frame

2-4 Weeks

For initial funding

Capital stack design

Work with our funding experts to create a customized capital stack that meets your specific financing needs.

Let's Talk

Get approved before we call

Don't want to wait for an appointment? You can get approved right now below. This will NOT affect your credit and you will NOT receive a call from anyone other than our team to discuss your options.

Pre-Approval

Frequently Asked Questions

Capital Stacking/No-Doc is a strategic approach to funding that combines multiple financing sources to maximize your total available capital while optimizing terms and minimizing costs. We layer various funding products like unsecured business credit, term loans, lines of credit, and specialized financing options to create a comprehensive funding solution tailored to your specific needs and credit profile.

Our clients typically receive between $50,000 and $250,000 initially, with potential to access over $500,000 as the relationship develops. The exact amount depends on your credit profile, business history, revenue, and overall financial health. We design a customized capital stack that maximizes your potential funding based on your unique situation.

We implement strategies to minimize impact on your personal credit. There are no hard inquiries to assess eligibility, and many business credit products we utilize don't report utilization to personal credit bureaus. Any business credit inquiries that show on your personal credit report can be addressed through our credit optimization services after funding is secured, if needed.

Interest rates vary across the different components of your capital stack, typically ranging from 0% introductory rates on business credit cards to 6-19% for term loans and lines of credit, depending on your credit profile and the specific products utilized. Our approach ensures you access the lowest possible rates for each portion of your funding needs, optimizing your overall cost of capital.

Most clients receive initial funding within 10-21 days after approval and application processing. The Capital Stacking/No-Doc approach is implemented in strategic phases over 3-6 months to maximize total funding while protecting your credit profile. We coordinate the timing of applications and funding to optimize approvals and build a strong foundation for ongoing capital access.

Ready to optimize your funding strategy? Let us design a capital stack that maximizes your potential.

Talk with us

Become an Affiliate

Complete the form below to apply for our affiliate program. We'll review your application and get back to you shortly.