Direct answers.

No. Personal funding options (0% credit cards, personal lines, personal loans) are based on your personal credit — no business required. You can use these funds to start a business later, or for any personal purpose.

Multiple 0% intro APR business credit cards stacked together. Typically $10K-$150K in total available credit, with 6-18 months of 0% interest. Cash access is available, and the accounts build your business credit profile.

Personal 0% cards: 24-48 hours. Business credit lines: 1-2 weeks. Revenue-based financing: Same day to 5 days. Term loans: 1-3 weeks. SBA loans: 30-90 days. Timeline depends on the funding type and your documentation readiness.

Anything. Debt consolidation, starting a business, inventory, equipment, marketing, real estate, personal expenses — no restrictions on most funding types. Some SBA programs have specific use requirements, which we'll explain during the process.

Personal funding uses and reports to your personal credit. Business credit cards and Credit Line Hybrids typically report to business bureaus, keeping your personal credit separate. We'll explain the reporting for each option before you commit.

Revenue-based financing works with any credit score — it's based on your business revenue, not credit history. For 0% cards, you can use a guarantor with strong credit. We match you to the best option for your current situation.

No. We connect you with the best funding sources for your profile. We work with banks, credit unions, alternative lenders, and credit card issuers. This gives you access to more options than going to a single lender directly.

No. We match you with the best options based on your profile, but lenders make their own approval decisions. We're transparent about requirements and will tell you upfront if certain options aren't realistic for your situation.