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.
Start with a thorough analysis of your financial situation, funding needs, and long-term objectives to determine the optimal capital stack.
Get StartedReview your customized capital stack options, combining different funding types and sources to achieve your specific goals.
Access your funding as we coordinate between multiple capital providers to implement your capital stack efficiently.
680+
Minimal
No income verification required
2-4 Weeks
For initial funding
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.
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