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Chase, Amex, and BOFA are holding a pile of money with your name already on it If your credit score is above 720 that pile is $150,000-$300,000 in business credit at 0% interest for 12-21 months Not a loan. Not a line of credit with quarterly reviews. Not an SBA application that takes 60 days and a sacrifice to the banking gods. Business credit cards with 0% intro APR that you apply for online in 8 minutes per card Here's the actual breakdown: Chase Ink Business Unlimited: $20K-$35K. 0% APR for 12 months Chase Ink Business Cash: $15K-$30K. 0% APR for 12 months Amex Blue Business Plus: $25K-$50K. 0% APR for 12 months US Bank Business Triple Cash: $15K-$25K. 0% APR for 15 months Capital One Spark Cash Plus: $20K-$50K Amex Business Gold: no preset spending limit You don't pick one. You apply for all of them. Different banks, different bureaus, separate underwriting decisions. Chase pulls Experian. Capital One pulls TransUnion. They don't see each other's applications if you sequence them correctly Realistic total with a 720+ score and $50K+ income: $150K-$300K Interest for 12-15 months: $0 Collateral: $0 Business plan: not required Proven revenue: not required (applications ask for projected revenue, not actual) Approval timeline: same day for most cards "why would banks give me this" 0% intro periods are loss leaders. The bank LOSES money on every customer who pays the balance before the promo expires. They offer it gambling that you'll carry a balance past the window and start paying 18-24% interest. If you pay it off during the 0% period the bank makes nothing That's why they spend $0 advertising it. Last year banks spent $4.2B marketing personal credit cards at 24.99% APR. The personal card is the profit center. The 0% business card is the product they bury and pray you never discover Meanwhile your loan officer will happily spend 3 hours walking you through an SBA loan at 8% that costs $50K-$80K in total interest over 10 years. His commission depends on you choosing the product that costs you the most. He will never mention the 0% card. Ever Here's what your score is actually worth in business credit: Below 620: locked out of everything useful 620-680: $10K-$40K in total approvals. Short promo windows 680-720: $60K-$150K. Decent limits. 12-month promos 720-760: $150K-$300K. Maximum limits. Full 12-18 month promos 760+: $250K-$400K+. Every bank approves. Longest windows The difference between someone with $250K in 0% capital and someone with $0 is about 80 credit points. Not income. Not assets. Not a business plan. 80 points on a number that takes 60-90 days to fix Below 720 right now? Late payments get disputed and deleted. Collections get removed. Score jumps 80-150 points in 2-3 months depending on what's dragging it down. The 80-point gap between "denied" and "$250K approved" is not permanent. It just feels that way when nobody's told you it's fixable (i fix credit and build these stacks from zero. wherever your score is right now to $150K-$250K funded. 60-90 days. the score-to-capital table above is real and i build it every week for people who thought they were locked out. DM "FUND")