0% APR business credit cards

Most clients receive $50,000 to $250,000 in total credit limits, spread across roughly 3 to 7 cards. Up to about $75,000 is possible with minimal paperwork based on your personal credit; larger amounts, up to about $250,000, usually need business financials and tax returns.

Introductory 0% APR periods typically run 9 to 21 months depending on the card issuer. You pay no interest on purchases during the promotional period as long as you make the minimum payments on time.

No. This program is approved mainly on your personal credit, so startups and new businesses with little or no revenue can qualify. Established businesses can qualify for higher limits with financials.

Just a recent IdentityIQ three-bureau credit report, pulled no more than 72 hours before you send it, emailed to mike@winwincapitalfunding.com. We review it and send you a funding estimate. No application or hard pull is needed for the estimate.

IdentityIQ shows all three bureaus (Experian, Equifax and TransUnion) with scores, balances and recent inquiries in one report, which is what card issuers look at. A report older than 72 hours may not show recent balances or inquiries, so the estimate would not be accurate. Pulling your own report is a soft inquiry and does not affect your score.

Yes, in the short term. Each card application is a hard inquiry, and new accounts lower your average account age. Personal cards report balances to your personal credit, so using a large share of the limit raises utilization and can lower your score. Most business cards do not report balances to personal credit. Scores typically recover as balances are paid down.

Usually 10 to 30 days from your signed agreement to having the cards in hand, depending on the banks and how quickly verifications are completed.

The cards are best used for business purchases: inventory, marketing, software, equipment, supplies, travel and other expenses. Cash advances usually carry fees and do not get the 0% rate. We can walk you through the options and costs before you decide.

There is no cost for the estimate. Our fee is success-based and is disclosed in writing before you sign anything; it is only charged after your new credit lines are approved. You can set a maximum funding amount to control the total fee.

Any remaining balance starts accruing interest at the card's regular rate. The best practice is to use the 0% period as a bridge to grow revenue and pay balances down before the promotion ends, or refinance into a term loan or line of credit, which we can also arrange.