0% Business Credit
Capital Stacking Program
Unlock Business Growth with Unsecured Business Financing (UBF)
What is UBF?
Unsecured Business Financing (UBF), also known as Capital Stacking, is a powerful funding solution for businesses that need quick and easy access to capital. Unlike traditional business loans, UBF does not require collateral or extensive documentation.
Key Benefits of UBF
- Unsecured Credit Lines: Access up to $200,000 without the need for collateral.
- No Documentation Required: No bank statements, tax returns, W2s, or pay stubs needed.
- FICO Score Eligibility: Approval requires a FICO score of 680+ and a personal credit card with a limit of $3,000 or more.
How UBF Works
Boosted Approval Amounts
UBF typically approves 3-5 times the amount you could secure on your own. Most applicants receive approval for 5 revolving business credit cards.Business-Focused Credit Reporting
- Separate From Personal Credit: These credit lines report to business credit agencies like Dun & Bradstreet, not your consumer credit report.
- Protect Consumer Credit: Usage won’t lower your personal credit scores.
- Build Business Credit: These accounts help establish and strengthen your business credit profile, making you more eligible for future loans and credit lines.
Cash Without Cash Advances
These credit cards can be converted into cash without needing a bank cash advance, providing flexible funding options.Incredible 0% Rates
- Introductory Rates: All UBF credit lines offer 0% interest for 9-18 months.
- Low Monthly Payments: Borrow only what you need and pay based on the amount borrowed. For example: On an $80,000 line of credit, borrowing $30,000 results in a monthly payment of approximately $300.
- Affordable Capital: Enjoy significant funding with manageable monthly obligations.
Fast and Accessible Funding
Why UBF Stands Out
- Ease of Qualification: Most people qualify with minimal requirements.
- Quick Access to Funds: Receive funding in as little as 7 days, with an average timeline of 4 weeks.
- Hidden Gem: This program is lesser-known but highly effective.
One-Time Success Fee
- Transparent Cost: A one-time fee of 9.9% of the funded amount applies, paid only after you receive your credit lines.
- Flexible Payment Options: You can use your new credit to cover the fee, ensuring no upfront costs.