Capital Stacking / No-Doc
Up to $200,000 in business credit, without proof of income.
We combine several business credit sources into one plan, with minimal documentation. New businesses can qualify.
How Capital Stacking Works
Capital stacking combines several business credit lines, many with 0% introductory rates, to reach a larger total without income verification or tax returns. Many of these sources do not report to your personal credit.
Expansion and hiring
A new location, additional equipment, and the staff to run them.
Inventory and equipment
Inventory purchased in volume, or specialized equipment and technology.
Marketing and lead generation
Advertising and campaigns that bring in new customers.
Refinancing high-interest debt
Consolidation that lowers monthly payments and frees working capital.
Property or acquisition down payments
Capital toward a real estate purchase or the acquisition of a business.
How the Process Works
Analysis
We review your finances, funding needs, and goals to design the capital stack.
Get Pre-QualifiedReview
You review the proposed combination of products and sources before anything is submitted.
Receive
We coordinate the applications with each provider so they are submitted in the right order.
Who Qualifies
- 680+Minimum FICO score
- MinimalDocumentation
No income verification required.
- 2 to 4 weeksTime frame
For initial funding.
Reviews from Our Clients
“Communication outstanding,they move with urgency and are as informative as it gets. Call them up!!”
“Delivered as advertised and promised”
“The people at TruFinCo were very knowledgeable, responsive, and easy to work with. The process went smoothly and they helped us receive more funding than we had initially expected. Thank you TruFinCo!”
Frequently Asked Questions
What is capital stacking?
It is a method of combining several financing sources to increase your total available capital while keeping costs under control. We combine unsecured business credit, term loans, lines of credit, and other products into one plan based on your credit profile.
How much funding can I get?
Clients typically receive $50,000 to $250,000 initially, and some reach over $500,000 over time. The amount depends on your credit profile, business history, revenue, and overall financial position.
Will this impact my personal credit score?
We work to limit the impact. Checking eligibility involves no hard inquiry, and many of the business credit products we use do not report utilization to the personal bureaus. Inquiries that do appear can be addressed through our credit services after funding.
What are the interest rates?
They vary across the stack, typically from 0% introductory rates on business credit cards to 6 to 19% on term loans and lines of credit, depending on your profile. We seek the lowest available rate on each portion.
How long does the process take?
Most clients receive initial funding within 10 to 21 days of approval. The full stack is built in phases over 3 to 6 months, which increases total funding while protecting your credit profile.
Find Out How Much You May Qualify For
Checking requires no hard credit inquiry, and your information stays private.