Services | CreditWithMatty
Our Services

We Get Business Owners
Access to Capital at 0%

Most business owners are leaving tens of thousands of dollars on the table — paying high interest when 0% funding is available if you know how to access it. We know how.

See If You Qualify
The Opportunity

Stop Paying Interest on
Capital You Don't Have To

Traditional business loans come with interest rates of 7%, 15%, sometimes 25% or more. SBA loans take months. Credit cards from your personal bank hit you with fees the moment you carry a balance.

There is a better way. Through the right business credit structure, business owners can access 0% APR introductory credit lines — often $50,000 to $150,000 or more — without collateral, without high interest, and without wrecking their personal credit.

We build that structure for you from the ground up. Entity setup, business credit profile, tradelines, and the right card applications at the right time — so you get approved and funded.

0%
Interest during intro funding period
$150K+
Capital accessed by clients
90
Days to first funding on average
500+
Business owners helped
CategoryTraditional LoanOur Approach
Interest Rate7-25%+0%
Collateral RequiredOften YesNo
Personal Credit HitYesMinimal
Time to FundingMonths30-90 Days
Approval Based OnPersonal HistoryBusiness Profile
Amount AvailableLimited$50K-$150K+
How It Works

Our Three-Phase Approach

We don't just hand you a card application. We build the foundation that gets you approved — and keeps you fundable long term.

01

Business Foundation

Before any lender will take your business seriously, it needs to look serious. Most owners skip this step and wonder why they get declined. We set up every piece correctly from the start so lenders see a fundable, credible business — not just a name on paper.

  • LLC or corporation setup guidance
  • EIN registration and dedicated business address
  • Business phone number and professional email
  • Business bank account strategy
  • DUNS number and business credit file creation
  • Business listings and directory presence
  • Personal credit optimization — we remove negative items dragging your score down and add positive tradelines to strengthen your profile before applying
See If You Qualify
Why This Matters
1
Lenders Google Your BusinessIf they can't find you or your info doesn't match, you're declined before the conversation starts.
2
Your EIN Is Your Business SSNFunding built on your EIN keeps liability separate and your personal credit protected.
3
Bank Account History MattersThe right business bank account — open long enough with the right balance — unlocks better offers.
4
Lenders Have ChecklistsWe make sure you check every box before any application ever goes out the door.
02

Business Credit Building

Your business needs its own credit profile — completely separate from your personal credit. We build it strategically using vendor tradelines that report to the business bureaus, establishing the payment history and credit age that unlocks bigger approvals.

  • Dun and Bradstreet, Experian Business, and Equifax Business profiles
  • Tier 1 vendor accounts that report immediately
  • Net-30 tradelines to build payment history fast
  • Strategic sequencing — right accounts in the right order
  • Paydex score building before major card applications
  • No personal guarantee required on most starter accounts
See If You Qualify
The Tradeline Ladder
1
Tier 1 — Starter VendorsEasy-approval vendor accounts like Uline, Quill, and Grainger that report to business bureaus.
2
Tier 2 — Retail and FleetStore credit and fleet cards from major retailers once Tier 1 history is established.
3
Tier 3 — Cash Credit CardsVisa, Mastercard, and Amex business cards with 0% intro APR and high limits.
4
Tier 4 — Bank LinesBank credit lines and revolving capital once your profile is fully established.
03

0% Capital Access

Once your business credit profile is built, we guide you through applying for the right business credit cards at the right time — maximizing your approval amounts and locking in 0% introductory APR periods so you can use that capital to grow without paying a dime in interest.

  • Curated list of 0% intro APR business credit cards
  • Application strategy to maximize total approved limits
  • Timing guidance — when to apply and in what order
  • Clients regularly access $50,000 to $150,000+ in total credit
  • 0% periods typically range from 6 to 18 months
  • Use the capital for inventory, marketing, equipment, or real estate
See If You Qualify
What You Can Do With 0% Capital
💰
Invest in InventoryStock up and move product without paying interest on your cost of goods.
📣
Scale MarketingRun paid ads, build funnels, and grow your customer base using capital that costs you nothing.
🏗
Buy EquipmentGet the tools your business needs to operate and grow — financed at zero percent.
🏠
Real Estate and DealsFund renovations, down payments, or bridge gaps between closings while preserving cash flow.
Who This Is For

You Don't Need Perfect Credit.
You Just Need a Plan.

Our program works for business owners at every stage. Here is who we help most.

🚀
New Business Owners

Just started your LLC? Perfect. We build your business credit profile from scratch so you are fundable within 90 days — before you need the money, not after.

📈
Growing Businesses

Already operating but need capital to scale? We audit your business credit profile, fill the gaps, and unlock higher limits than you could access on your own.

🏠
Real Estate Investors

Use 0% business capital to fund deals, cover rehab costs, or bridge gaps between closings. Keep your personal credit clean and your cash flow intact.

🛒
E-Commerce and Retail

Inventory, ads, fulfillment — these costs add up fast. Access the capital you need at 0% interest and put your margins to work instead of paying a lender.

🔧
Service Businesses

Construction, cleaning, consulting — if you have a legitimate business entity, you can qualify for business credit. We make sure your profile is built to get approved.

🎯
Side Hustle to Full-Time

Turning your side business into your main income? Business credit is the fuel that makes the transition possible. We build the profile that gets you there.

The Process

From Zero to Funded

A simple, proven path to accessing 0% business capital.

1
See If You Qualify

Fill out our short survey so we can assess where you are and what is possible.

2
Business Setup

We get your entity, EIN, bank account, and business profile set up correctly.

3
Build Credit

We add tradelines and build your business credit score across all three bureaus.

4
Apply for Funding

We guide you through the right card applications at the right time to maximize approvals.

5
Get Funded

Access your 0% interest capital and put it to work growing your business.

FAQ

Common Questions

Do I need good personal credit to qualify? +
Not necessarily. Business credit is built separately from personal credit. While some card applications may do a soft pull, the goal of our program is to build a business profile that stands on its own — so your personal score matters less and less the further you go in the process.
How much capital can I actually access? +
It depends on your business profile and how well the foundation is built. Our clients typically access between $50,000 and $150,000 in 0% interest business credit lines. Some access more. We will give you a realistic picture of what is possible for your situation when you reach out.
How long does the 0% interest period last? +
Most 0% intro APR business credit cards offer promotional periods between 6 and 18 months. We time your applications strategically so you can maximize how long you are operating at zero percent. After the intro period, standard rates apply — which is why we teach you how to manage and rotate the capital effectively.
What kind of business do I need to have? +
You need a legitimate business entity — LLC, S-Corp, or C-Corp — with an EIN. You do not need to be generating a lot of revenue yet. Many of our clients are in the early stages of building their business. As long as your entity is real and set up correctly, we can work with you.
How is this different from a business loan? +
Business loans charge interest from day one, often require collateral, and can take months to get approved. Our approach uses business credit cards with 0% introductory periods — no collateral, no interest during the promo period, and you can be funded in as little as 30 to 90 days. It is capital on your terms.
Stop Leaving Capital
On the Table

Find out if you qualify for 0% business funding. Takes less than 2 minutes.

See If You Qualify