What to expect
A personal-credit-based way to assemble flexible working capital, with a clear plan to use and repay it. Your advisor maps out the strategy and an exit plan.
Terms, rates, and eligibility vary by lender and are reviewed one-on-one with your funding advisor.
What is Credit Stacking?
Credit stacking combines several introductory-offer business credit cards into a single pool of flexible working capital you can deploy during the promotional period. For owners with strong personal credit, it can be a cost-effective way to access flexible capital.
It's a signature FSH product and pairs well with a clear plan to repay before the introductory period ends. Your advisor maps out the stack, the timeline, and an exit strategy so the promotional window works in your favor.
Key benefits
- Flexible capital you can use like cash for most business needs
- Builds business credit history as you use and repay
- Guided by an advisor who plans the strategy with you
- A clear exit plan built in from the start
Eligibility
Basic requirements
- Strong personal credit profile
- Low existing credit utilization
- Clean recent payment history
- A registered business entity
- A realistic plan to use and repay it
How It Works
Getting funded, step by step.
Apply
Tell us about your business in a short form — it only takes a few minutes.
Discovery Call
You work one-on-one with a funding advisor who learns your goals and maps your options.
Get Matched
Your advisor shops your file across 80+ financial institutions for the strongest offers.
Get Funded
Review your options, choose what fits, and move forward with your advisor.
Credit Stacking questions
Owners with strong personal credit who want flexible, low-cost capital and have a clear plan to repay before the introductory period ends. Your advisor helps you decide if it fits.
Any remaining balance begins accruing interest at the card's standard terms, so the strategy works best when you repay or refinance before then. Your advisor helps you plan for it.
New accounts can cause a temporary change, but responsible use and on-time payments typically build your profile over time. Your advisor structures the stack with that in mind.
Submit a short inquiry and your funding advisor reviews your profile and maps out the strategy with you.
Ready to find your funding fit?
Start with a short form. You'll work one-on-one with a funding advisor who shops 80+ institutions for your best fit.