0% Business Funding for Established Business Owners

You built a real business. Your capital should match it.

We help established business owners secure $100K to $300K of working capital at 0% interest from major banks. No equity given up, no collateral, and no broker taking a cut of what you're approved for.

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Rated Excellent on Trustpilot $19.2M secured for 300+ clients
The problem

Traditional business funding wasn't built for a business like yours

You run a real business. The capital options most owners get offered either take too long, cost too much, or take a piece of what you built.

Bank loans

Months of paperwork

Two years of tax returns, collateral, and a decision that can take months. The deal you needed it for is gone by then.

Cash advances

Fees on every dollar

A merchant cash advance charges a fixed fee up front and pulls from your revenue every day until it's paid.

Brokers

A 10% cut

Brokers usually take around 10% of what you're approved for, and treat your file like one more number on a list.

Investors

A piece of your company

Equity is the most expensive money there is. You give up ownership in the business you spent years building.

There's another way: 0% intro APR business credit.

The same major banks you already know offer business credit at 0% for the intro period. No equity, no collateral, and you pay it back on your timeline. The hard part is getting approved for the big limits, and that's what we do.

Business credit cards are issued by third-party banks. Most require a personal guarantee.
The basics

What is 0% business funding?

0% business funding is working capital you get through business credit cards and lines of credit that carry a 0% intro APR. For the length of the intro period, usually somewhere between 6 and 18 months depending on the card, you pay no interest on what you use.

It comes from the same major banks you already know, like Chase, American Express, Bank of America, and Wells Fargo. There's no collateral, no equity given up, and no fixed repayment schedule the way a term loan has. You draw on it when you need it and pay it back on your timeline.

Owners use it for inventory, equipment, marketing, payroll, a second location, or a real estate deal that won't wait for a bank loan. One card rarely gets you there. Stacking several approvals in the right order is how established businesses reach $100K to $300K.

0% intro APRNo interest during the intro period, typically 6 to 18 months
No collateralNothing pledged against your house, equipment, or receivables
No equityYou keep 100% ownership of your business
$100K to $300KWhat qualified files typically secure across multiple banks
The Capital Infrastructure Blueprint

How we secure 0% business funding for you

Most approvals are decided by a bank's system before a person ever sees your file. So we fix the file first, then apply in order. Six steps, the same way every time.

1

Audit

We read your file across all three bureaus side by side and map every place they disagree: addresses, name spellings, inquiries that never became accounts.

2

Align

We fix every one of those inconsistencies, so all three bureaus carry the same clean data before a single application goes out.

3

Position

We set up your business profile, utilization, and banking relationships so each bank's system reads your file well before a person looks at it.

4

Sequence

Specific banks, specific bureaus, in a specific order. Every pull counts, so approvals stack instead of inquiries.

5

Fund

The 0% cards land. We walk you through activating them and putting the capital to work in the business.

6

Maintain

Before the first 0% period ends, the second round is already planned, so the capital stays in place instead of disappearing.

Applying is easy

Getting approved for the big limits is not

A 780 score can still get declined. Here is where most owners lose approvals when they apply on their own.

A file that disagrees with itself

Three different addresses across three bureaus, a misspelled name, old inquiries that never became accounts. The bank's system reads that as risk and declines before a person ever looks.

The wrong order

Each bank pulls a different bureau. Apply in the wrong order and the inquiries from one application can cost you the next approval.

No plan for round two

0% intro periods end. Without a second round planned ahead of time, the capital disappears right when the business is using it.

Real results

Real clients. Real approvals.

Business owners who followed the sequence and watched their approvals stack instead of stall.

$19.2M
Secured
300+
Clients
3 yrs
Track record

Recent approvals from our client channel

DavidSep 7, 2026
$171,500All-time approved
Latest: $50,000 AMEX Blue Business Plus · 0% APR 12 mo
David approval screenshot, $50,000 AMEX Blue Business Plus
AlexSep 18, 2026
$142,500All-time approved
Latest: $9,500 Wells Fargo Signify Business Cash · 0% APR 12 mo
Alex approval screenshot, $9,500 Wells Fargo Signify Business Cash
JoeSep 23, 2026
$140,000All-time approved
Latest: $28,500 Chase Ink Unlimited · 0% APR 12 mo
Joe approval screenshot, $28,500 Chase Ink Unlimited
KayceAug 22, 2026
$135,000All-time approved
Latest: $4,000 Bank of America Business (4th card) · 0% APR 7 mo
Kayce approval screenshot, $4,000 Bank of America Business (4th card)
DevonAug 27, 2026
$124,000All-time approved
Latest: $23,000 Wells Fargo Business · 0% APR 12 mo
Devon approval screenshot, $23,000 Wells Fargo Business
MerlitaSep 22, 2026
$88,000All-time approved
Latest: $20,000 Bank of America Business Advantage · 0% APR 7 mo
Merlita approval screenshot, $20,000 Bank of America Business Advantage
MilesSep 18, 2026
$62,000All-time approved
Latest: $10,000 Wells Fargo Signify Business Cash · 0% APR 12 mo
Miles approval screenshot, $10,000 Wells Fargo Signify Business Cash

"They found the single hidden issue blocking every approval I'd tried for months. Fixed it fast, and suddenly I was getting real limits instead of constant denials."

Laura S.E-commerce Owner

"I never realized timing mattered this much. Their sequence got me approved by three major banks at 0% back-to-back, something I never thought possible with my profile."

Sofia M.Project Manager

"In just 14 days I received more approvals than I had in the entire previous year. Their sequencing strategy finally made the banks see me as a priority borrower."

Adam C.Contractor

Individual results. Not typical or guaranteed. Outcomes depend on your credit profile, the lenders' criteria, and your business.

Side by side

0% business funding vs. traditional business loans

The usual way
Scale With Credit
Loans want collateral
No collateral
Investors want equity
You keep 100% ownership
10% to 30%+ interest
0% intro APR
Months to get approved
First approvals in as quick as 30 days
Brokers take around 10%
One flat fee, never a percentage
You figure it out alone
A person on our team works your file
Who we work with

Built for owners who already have something real

We only take files we can actually help. If yours can't reach $100K, we tell you on the first call.

A fit if you have

  • A 700+ personal credit score
  • At least two accounts of average age
  • $15,000 or more in personal credit limits
  • A real business that's already making money

Not a fit if you

  • Haven't started the business yet
  • Are below 700 right now
  • Want a loan against your house or equipment
  • Need capital in the next few days
90DAYS

$100K in 90 days, or we keep working for free.

If we don't get a qualified file to $100K in 0% intro APR business credit within 90 days, we work for free until we do.

Our team

The people who work your file

Nobody runs your file through a scan and hands you a list of banks. A person on our team works it with you, start to finish.

Danny, COO of Scale With CreditDannyCOO
Ross Petras, Director of Funding at Scale With CreditRoss PetrasDirector of Funding
FAQ

0% business funding FAQ

What is 0% business funding?
It's working capital from business credit cards and lines of credit that carry a 0% intro APR, usually for 6 to 18 months depending on the card. You pay no interest during the intro period, put up no collateral, and give up no equity.
Is 0% business funding a loan?
No. It's revolving business credit from major banks, not a term loan. There's no fixed repayment schedule and nothing pledged as collateral. Most business cards do require a personal guarantee.
How is this different from applying for business cards myself?
You can apply on your own. The difference is everything that happens before the first application. We read your file across all three bureaus, fix what disagrees, and apply in an order where every pull counts. Applying with a file the bureaus disagree on, or in the wrong order, is how a 780 score gets declined.
What credit score do I need?
700 or higher, with at least two accounts of average age, $15,000 or more in personal credit limits, and a real business making money. If that isn't you yet, we'll tell you on the call.
How fast can I get approved?
First approvals can land in as little as 30 days. Files that need more cleanup before the first application take longer.
How much can I expect?
Most qualified files land between $100K and $300K. It depends on your profile, and we tell you what yours can support on the call. For files that qualify, if we don't get you to $100K in 0% intro APR business credit within 90 days, we work for free until we do.
Will this affect my personal credit?
Every application is a hard inquiry, so applying does show on your file. That's why the order matters. We group applications by bureau so one round doesn't hurt the next, and we address inquiry records on your file that never became accounts.
Do business credit cards require a personal guarantee?
Most do. We walk you through what that means for you before anything goes out, so there are no surprises.
What does it cost?
One flat fee, never a percentage of what the banks approve. Brokers usually take around 10%. We go over the exact number on the call.
What happens when the 0% period ends?
Before your first intro period runs out, we plan the second round so the capital stays in place. That's the Maintain step of the Blueprint.

Find out what your file qualifies for.

A few quick questions, no credit check. If your file can reach $100K, you pick a time and we walk through it with you.

Book a Call →
Book a Call →