New
Reserve a slot →
0% APR
Funded in days, not weeks.
We prep your profile, sequence applications for multiple 0% intro APR business cards, and track every limit and payoff date in one place.
Check eligibility
✓
Only soft pull
✓
Fee after funding
✓
No collateral
Zoom Stack / overview
Overview
Updated 2 min ago
Total credit
$118,500
Balance
$42,300
Available
$76,200
Interest paid
$0.00
0% APR
Card
0% ends
Status
Card 01
Jan 2028
Active
Card 02
Oct 2027
Active
Card 03
Oct 2027
Active
Card 04
Jul 2027
Ends soon
Card 05
Oct 2027
New
Intro APR timeline
18 mo
Now
6M
12M
18M
Next: Card 04 promo ends in 9 months
Built for operators in
E-commerce
Agencies
SaaS
Real estate
Healthcare
Trades
[01] What is credit stacking
Several 0% cards.
Working as one line of capital.
You open several business credit cards in one planned window and treat their combined limits as one pool. Intro 0% APR periods, often 6–18 months, give you time to put the capital to work.
Card 01
$30K
Card 02
$25K
Card 03
$24K
Card 04
$22K
Card 05
$17.5K
Example stack
$118,500
01
Unsecured
No property pledged. Approval rests on personal credit and a personal guarantee.
02
Sequenced
Applications go out in one planned window, so each issuer sees a clean profile.
03
Planned exit
Every stack ships with a payoff schedule that clears balances before 0% ends.
[02] Stack estimator
Estimate your stack.
Then get real numbers.
Pick a scenario to see a typical pool. Your soft-pull review replaces these with your actual range.
Number of cards
4
6
8
10
Average limit per card
$15K
$25K
$35K
$50K
Intro 0% period
9 mo
12 mo
15 mo
18 mo
Estimated credit pool
$150,000
$25K
$25K
$25K
$25K
$25K
$25K
Interest avoided*
$36,000
Monthly to clear in time
$12,500/mo
Get my real numbers →
*Illustrative. Full balance held for the intro period versus a 24% standard APR. Issuers set approval, limits and terms.
[03] How it works
From soft pull to funded
in about 10 days.
Step 01 · Day 1
Soft-pull review
We read your file without a hard inquiry and give you a realistic range.
Step 02 · Days 1–3
Profile prep
Utilization, entity, EIN and banking line up so every application is consistent.
Step 03 · Days 3–10
Sequenced applications
You apply to a shortlist in one window. Cards usually arrive within 7–10 days.
Step 04 · Ongoing
Deploy and pay down
Track limits and deadlines in one dashboard, with a plan sized to cash flow.
[04] After approval
Getting approved is step one.
Staying at 0% is the real job.
Promo-deadline tracker
with alerts at 90, 60 and 30 days.
↗
Card 01
15 mo left
Card 02
12 mo left
Card 03
12 mo left
Card 04
9 mo · alert
Payoff planner
sized to your revenue.
↗
This month
$3,661
Accurate applications.
Real income, signed by you.
Annual income verified
✓
EIN and entity match
✓
You review and submit
✓
A named advisor.
First call to final payoff.
Card 04’s promo ends in July. Want to shift $2K from Card 01’s payment?
Yes, let's do it.
Business credit building.
On-time payments build your EIN file.
Business profile
Strong ↑
[05] Who it's for
Strong personal credit.
A business that needs runway.
The best results come with a 680+ credit score and low utilization. Revenue history helps but isn't always required.
01
New LLCs and startups
Launch capital before banks will lend.
Under 1 yr
680+ FICO
02
E-commerce brands
Inventory and ads ahead of peak season.
Inventory
Ad spend
03
Agencies and services
Payroll while net-60 invoices clear.
Payroll
Software
04
Real estate operators
Materials and holding costs, no HELOC.
Renovation
Flips
[06] Compare
How stacking compares
to loans and cash advances.
Fastest at 0%
Credit stacking
SBA 7(a) loan
Merchant cash advance
Time to funds
Often 7–10 days
Often 1–3 months
1–3 days
Collateral
None, personal guarantee
Often required
Future sales
Cost, first 6–18 mo
0% intro APR*
Prime + spread
High factor rate
Time in business
Not always required
Usually 2+ years
Months of sales
Repayment
Flexible monthly
Fixed monthly
Daily debits
*Intro terms vary by issuer; the standard variable APR applies afterward. General comparison, not an offer of credit.
[07] Example stacks
What a stack can look like,
by business type.
Example · E-commerce brand
$150K
6 cards × $25K at 0% for 12 months. $12,500 a month clears it before the promo ends.
Example · Agency
$80K
4 cards × $20K at 0% for 15 months to cover payroll while net-60 invoices clear. About $5,334 a month pays it off.
Example · Real estate operator
$280K
8 cards × $35K at 0% for 12 months for renovation materials, paid down from two sales inside the window.
[08] Pricing
One success fee.
Charged only after approval.
Success fee
10%
of approved limits
No setup fee and no subscription. You see the fee in dollars before anything is sent.
Check my eligibility
Included
✓
Soft-pull review
✓
Custom card shortlist
✓
Application sequencing
✓
Stack dashboard
✓
Promo-deadline alerts
✓
Dedicated advisor
[09] FAQ
Questions,
answered plainly.
Still unsure? Book a 15-minute call →
Is this a loan?
−
No. You are approved for business credit cards issued by banks. We help you prepare and apply; limits and terms come from each issuer.
Will it hurt my credit score?
+
What credit score do I need?
+
What happens when 0% ends?
+
How fast can I be funded?
+
What can I use the funds for?
+
2-minute eligibility check
See what you qualify for.
No impact to your score.
What's your work email?
Check eligibility
Or book a call with an advisor →
Zoom Stack
Business credit strategy for founders and operators.
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Disclosures
Zoom Stack is not a lender or card issuer and does not make credit decisions. Credit cards are issued by third-party banks under their own approval criteria, rates and fees. Approval and limits are not guaranteed, and stacks of $500K are uncommon. Intro APR offers are temporary; standard variable APRs apply afterward. Each application is a hard inquiry that may affect your credit score. Examples on this page are illustrative, not client results. © 2026 Zoom Stack.