Patrick Pychynski, Founder of Stacking Capital, empowers entrepreneurs to scale with zero percent interest funding, and we discussed how to access $50,000 to $250,000 without harming personal credit. A former Marine and metal recycling entrepreneur, Patrick’s early struggles with a $20,000 debt that led to jail time inspired his mission. He shared his three-step framework: optimize credit, structure a compliant business, and apply to banks strategically. Unlike others, his approach uses a three Cs framework (credit, collateral, cash flow), as he noted, “One of the things that set us apart… is that we take a whole approach into your business.” Patrick emphasized long-term goals, moving beyond 0% funding to “bankable” businesses, and practical tools like Plastiq for vendor payments. His business success scan helps assess funding eligibility fast. “Everyone sort of gets a second chance when it comes to your credit,” he said, highlighting the power of rebuilding.

Key Takeaways:

• Access Untapped Funding: A 700+ credit score can unlock $50,000–$250,000 in 0% interest business credit with minimal documentation.
• Protect Personal Credit: Business credit cards don’t report to personal credit, unlike personal cards that can harm FICO scores when maxed out.
• Strategic Application Matters: Applying to banks in the right order, considering bureau pulls and inquiry sensitivity, is critical for success.
• Think Long-Term: Build a “bankable” business to transition from short-term 0% funding to corporate credit with better rates.
• Leverage Tools: Use services like Plastiq to pay vendors with credit cards and offset costs with tax-deductible fees and card bonuses.

This episode offers entrepreneurs a roadmap to scale smarter with Patrick’s proven insights, perfect for breaking free from high-interest loans or personal savings.