Who We Are, What We Do, and How We Help

About Stacking Capital

About Stacking Capital

Your trusted partner in business funding since 2021

Stacking Capital helps business owners navigate funding with clarity and confidence. We've been working with entrepreneurs since 2021, building a reputation for hands-on support, practical solutions, and straightforward advice.

Our team is dedicated to making business credit and funding simple, transparent, and truly accessible so you can grow on your terms.

"We believe every entrepreneur deserves access to the capital they need to build their dreams. That's why we've made it our mission to cut through the complexity and get you funded."

2021
Founded
300+
Clients Funded
$17M+
Capital Secured
0%
Interest Rates

What Sets Us Apart

Hands-On Support
Personal guidance every step of the way
Practical Solutions
Real strategies that actually work
Straightforward Advice
No jargon, just honest guidance
Full Transparency
Clear processes, no hidden surprises
Patrick Pychynski - Founder of Stacking Capital
Patrick Pychynski, Stacking Capital

From U.S. Marine to 8-Figure Business Funding Expert

Patrick Pychynski
Patrick Pychynski
Founder of Stacking Capital
🇺🇸 U.S. Marine Veteran

Patrick Pychynski, Founder of Stacking Capital

The go-to expert for entrepreneurs who want to unlock massive 0% interest funding without drowning in high interest debt.

He helps established business owners secure $50,000 to $500,000 in funding so they can scale without risking their hard earned savings or giving up equity or collateral.

After discovering untapped credit opportunities during the pandemic, Patrick invested over $50,000 mastering the funding game.

His Stacking Capital Strategy has helped secure over $17 million in 0% business credit alone for 300+ business owners.

His unique approach combines Marine Corps discipline with relationship banking to get entrepreneurs funded in as little as 14 days.

In a world where most business owners get trapped by predatory lenders, Patrick takes a different approach.

Instead of pushing quick-fix loans, he helps clients build long-term banking relationships that unlock true business freedom.

His mission is helping ambitious entrepreneurs access the capital they need while protecting their personal credit.

Why Choose Stacking Capital

Why Choose Stacking Capital?

We don't just get you funding – we build your financial empire

White Glove, 1:1 Hands-On Service

No call centers, no automated systems. You get dedicated personal attention from experienced funding specialists who know your name and your goals.

$17M+ Funded in 0% for 300+ Business Owners

Real results from real clients. We've helped hundreds of entrepreneurs access millions in 0% interest capital to fuel their growth.

Not Just for Established. Works for Startups Too

Whether you're launching tomorrow or scaling today, our strategies work for businesses at every stage of growth.

No Cookie-Cutter Approach: Tailored Funding Strategies

Every business is unique. We craft custom funding roadmaps based on your specific credit profile, business model, and growth objectives.

GUARANTEED

$100k Funding Guarantee

We're so confident in our system, we guarantee you'll secure at least $100,000 in funding or we'll refund your investment. No questions asked.

Bankable Roadmap for accessing up to $5M

0% business credit is just the beginning. We provide the complete blueprint to become fully bankable and access institutional funding at scale.

0% Business Credit Card Funding - FAQ
0% Business Credit Card Funding

Frequently Asked Questions

How long does it take to receive the funds?

Once applications are submitted, approvals typically occur within 5–7 business days. Physical cards usually arrive shortly after. If you need to convert your credit line into cash, we can connect you with a trusted partner who can assist with liquidation.

What documents are required to apply?

Our program is primarily stated income, so documentation is minimal. We do require:

• A personal credit score of 700+
• No more than 2–3 new accounts opened in the last 6 months
• No derogatory marks on your credit report
• Credit utilization below 30%

What are the interest rates?

These cards offer introductory 0% interest rates for 9–18 months, depending on the issuer. After the introductory period, standard variable rates apply.

Can this process be repeated?

Yes — in fact, we design it to be. With proper preparation, this strategy can be repeated every 60 to 90 days for new rounds of 0% interest business credit.

Here's how it works:

Inquiry Removal:
• Experian inquiries can often be removed within 7 business days
• Equifax & TransUnion may take up to 60 days

While that's in progress, we're already optimizing your profile for the next round to ensure high-limit approvals.

That means by the time your inquiries are cleared and your profile is ready, we're positioned to strike again. And long-term?

If your 0% interest period is set to expire, we can plan ahead to stack a new round of 0% credit — allowing you to roll into fresh capital and keep growing without paying interest.

We've even helped clients go back to the same bank, round after round, but the key is:

• Perfect payment history
• Utilization kept below 45% (when applying)
• Ongoing prep and strategy

Bottom line: Yes, this process is repeatable — and if done right, we'll guide you every step of the way to help you secure 0% interest capital again and again.

Is it possible to secure $180,000 in funding?

Yes, it's absolutely possible but it comes down to how you're positioned. We specialize in stacking multiple business credit cards and, in some cases, combining them with revenue-based lines of credit (for businesses doing $10K+/mo and operating for at least 1 year).

That said, it's not just about having a good credit score. What really matters is the credit report, specifically:

Comparable credit: Having a track record of responsible usage on high-limit accounts.

Credit age: The longer the history, the stronger your profile.

Personal utilization & inquiries: The fewer, the better.

We've helped clients hit $100K–$250K+ in a single round by structuring things the right way. If your profile supports it, $180K is definitely within reach.

Are there cash advance fees?

If you choose to liquidate your credit line into cash, our partners typically charge a fee of around 6%. This method allows you to access funds without incurring standard cash advance fees (25%+ APR) and retains your 0% interest period.

Will the money be deposited into my bank account?

These are business credit cards, not traditional loans. However, if you need cash, our partners can help liquidate the credit line (tax deductible expense) into your bank account, allowing you to retain your 0% introductory interest period.

How does repayment work?

As with typical credit cards, you're required to make monthly minimum payments, usually 1–2% of the balance. You're only paying interest on the amount you use.

What are the terms of the credit lines?

These are revolving lines of credit, not term loans. You can use and repay funds as needed, and with responsible usage, your credit limits may increase over time.

Are there any fees for early repayment on business credit cards/lines?

No. In fact, paying off your balance early and maintaining low utilization can positively impact your credit profile and may lead to higher credit limits in the future.

Do business credit cards report to personal credit?

Roughly 95% of true business credit cards do not report to your personal credit as long as they remain in good standing.

That means your utilization won't tank your personal score, which is a major advantage when building long-term leverage.

Why should I do this now instead of waiting?

Because waiting costs you. And… the funding game is shifting — fast. Right now, banks are tightening up. 0% offers that used to be 12–18 months are getting slashed to 6–9.

Banks are tightening approvals and once your credit profile gets overexposed, it can take months to fix. But the real reason to move now? The more prepared your file is, the higher your limits and the better your funding outcomes.

And here's what makes us different: We don't stop at 0% business credit. That's just the beginning.

We've helped hundreds of clients secure $50K–$250K in 0% capital but that's Phase 1. We also offer advanced consulting programs for those who want to go further:

• Become fully bankable
• Unlock $500K–$5M in long-term, low-interest funding
• Qualify for lines of credit that don't require personal guarantees

Why can't I just do it myself?

Look, we get it. There's a lot of advice out there. YouTube videos, $8K courses, free guides. We've seen it all. In fact, we've been through it ourselves. But here's the reality most people find out after wasting time and money:

  • Much of the advice out there is outdated, incomplete, or flat-out wrong.

  • Funding isn't just about having a 780 credit score.

    We've seen clients with "perfect credit" get denied across the board — and the issue? A P.O. Box listed on their Experian business credit profile.

    That one detail shut them down with every major lender. No YouTube video covered that.

    We've built a proven system not just to get approvals, but to avoid the hidden landmines that sink most applications.

    And that's the difference:

  • We don't just show you how to get 0% cards.

  • We tailor the strategy based on your exact credit + business profile

  • We do it with real underwriting insight, not generic advice

  • You get direct one-on-one guidance to navigate the process, not a DIY checklist

If you want real results, you need real strategy. That's what we do — and we do it right.

Real Results from Real Clients - Stacking Capital
RESULTS

Real Results from Real Clients

$17M+ in 0% funding secured. 300+ entrepreneurs funded. Here's the proof.

🔇
$164,000 Approved

0% Interest. Game Changer.

"Other companies couldn't get me results, but Patrick's team got me $164,000 in approvals at 0% interest—in just 60 days. As a physician, I needed someone to guide me. They did it all for me, start to finish."

DT
Dr. Truong
Physician
Verified Client Result
🔇
$175,000 Approved

From 20 Bank Rejections to $175K Approved

"I was denied by every lender until I found Patrick's team. They got me $175,000 at 0%. Just strategy and fast results. Now I have the capital to launch my dream."

BM
Brandy
Medspa Owner
Verified Client Result
🔊
$417,000 Secured

Low Interest Capital in 30 Days

"I've been in real estate for over 20 years, I've missed out on opportunities because I didn't have access to low interest capital. I just followed their step by step process thanks to the team at Stacking Capital."

FR
Frank
REI/Broker
Frank's Results
Verified Client Result
$45,000 Funded

Best Financial Move I Ever Made

"I went from no direction to $45,000 in business funding, fast. The patience, integrity, and hands-on guidance made all the difference. I wouldn't trade this for a million bucks."

EC
Erwin
Entrepreneur, CA
Verified Client Result

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