Cap Stack / No-Doc
Get up to $200K in business credit without any proof of income.
Even if your business is brand new. We combine multiple funding sources into one capital stack to maximize what you can access, with minimal documentation.
Example use cases
How it works
Capital stacking combines multiple no-doc, 0% introductory business credit lines to reach large amounts of funding without income verification or tax returns. We help you build a strong business credit profile and stack sources that do not show up on your personal credit, so you can grow without the usual barriers.
Expanding operations and hiring
Fund a new location, more equipment, and the people to run it.
Purchasing inventory and equipment
Buy inventory at scale or invest in the specialized equipment and technology you need.
Marketing and lead generation
Finance the campaigns that actually bring customers through the door.
Paying off high-interest debt
Consolidate and refinance to cut monthly payments and free up working capital.
Down payment on property or an acquisition
Reach capital for a real estate down payment or to buy an existing business.
The process
What we will do together
Analysis
We go through your financial situation, funding needs, and long-term goals to work out the right capital stack.
Get pre-qualifiedReview
You review your capital stack options, combining funding types and sources around your specific goal.
Receive
We coordinate between multiple capital providers so the stack lands efficiently and in the right order.
Eligibility
Who we can help
- 680+Minimum FICO score
- MinimalDocumentation
No income verification required.
- 2 to 4 weeksTime frame
For initial funding.
Questions
Frequently asked questions
What is capital stacking?
A strategic approach that combines multiple financing sources to maximize your total available capital while keeping terms and costs in check. We layer unsecured business credit, term loans, lines of credit, and specialized products into one solution built around your credit profile.
How much funding can I get?
Clients typically receive between $50,000 and $250,000 initially, with the potential to reach over $500,000 as the relationship develops. The exact amount depends on your credit profile, business history, revenue, and overall financial health.
Will this impact my personal credit score?
We work to minimize the impact. There are no hard inquiries to assess eligibility, and many of the business credit products we use do not report utilization to personal credit bureaus. Any business credit inquiries that do appear can be addressed through our credit optimization services after funding, if needed.
What are the interest rates?
They vary across the components of your stack, typically from 0% introductory rates on business credit cards up to 6 to 19% for term loans and lines of credit, depending on your profile and the products used. The point of the approach is getting the lowest available rate on each portion.
How long does the process take?
Most clients receive initial funding within 10 to 21 days after approval and application processing. The full stack is built in phases over 3 to 6 months to maximize total funding while protecting your credit profile.
See how much you could access.
No hard credit checks to find out, and your information stays private.