Become Bankable. Access $100K to $500K+ at zero to low interest.
The Bankable Blueprint™ is a six month, one on one capital advisory. We optimize your credit profile, clear the twenty lender compliance items, then sequence your applications through the right banks in the right order... with your exit plan built before round one ever starts.
1:1 Advisory · $100K Minimum, in Writing · Flat Fee
The banks we sequence
CHASEAMERICAN EXPRESSBANK OF AMERICAWELLS FARGOU.S. BANKCITIPNCTRUIST
Two ways this goes
Same file. Same banks. Different order.
Without an advisor
APPLICATION HISTORY 6 HARD INQUIRIES
01Application · wrong bureau pulledDENIED
02Application · compliance mismatchAUTO-DENIED
03Application · inquiry-sensitive bankDENIED
04Approval · a fraction of the maximum$8,000 LIMIT
Wrong bureau, wrong orderSix inquiries. One $8,000 card.
Applications fired in whatever order feels right, so approvals burn on wrong-bureau pulls
A 0% interest period that runs out into 29% APR with no second round prepared and no way out
A success fee of ten to twenty percent stacked on top of whatever you manage to get
One round, offshore fulfillment, done. Nobody plans what happens after the promo ends
With Stacking Capital
THE SEQUENCE ROUND ONE · LIVE
ChaseAPPROVED ✓
American ExpressAPPROVED ✓
Bank of AmericaIN REVIEW
U.S. BankSEQUENCED NEXT
The Bankable Scan finds every blocker across your personal and business credit before a single application goes out
Banks sequenced by bureau sensitivity and inquiry tolerance, applications done live on Zoom with your advisor
Inquiry cleanup and credit gardening between rounds, so the file gets stronger while the limits season
An exit plan built before round one, so the end of the 0% interest period is a step in the plan, never a cliff
REPLACES →10-20% success feesMass applicationsCredit repair subscriptionsGuess-the-bank order
The institutions we sequence
Real banks. Real underwriting. In order.
Every name below reads a different bureau, tolerates a different number of inquiries, and weighs existing limits differently. That is the entire reason the order carries so much of the outcome.
Where the business file gets built
Our position
A broker's success fee grows with every dollar you borrow. We built the opposite incentive.
Stacking Capital is a one on one capital advisory. The plan is built for your specific file, the applications happen live on Zoom with your advisor, and the fee is a one-time flat fee for six to twelve months of the program. The more capital we help you access, the cheaper every dollar of it gets. We went the other way on purpose.
The Bankable Blueprint™
This is the machine we build around your file.
Four phases, in the exact order they happen. You should be able to replay the whole engagement like a movie before you ever book a call.
01Phase One · Weeks 1-6
Preparation
The Bankable Scan™ · Lender Compliance · Credit Optimization
When a client comes on, the work starts with your credit profile. The Bankable Scan runs 47+ data points across your personal and business credit and finds every blocker a bank's algorithm will find... before the bank does.
Bankable Scan™ · REF-00147+ Data Points
Entity & NAP syncMISMATCH FOUND
Hard inquiries3 REMOVABLE
Utilization splitOPTIMIZE
Tier 1 bank relationshipsNOT SEASONED
Lender compliance11 + 9 ITEMS MAPPED
Credit optimization WORKSTREAM 01
Hard inquiries that never became accountsREMOVED
Utilization splitENGINEERED
Revolving profileAZEO
+
Lender compliance WORKSTREAM 02
Phase 1 · 11 items0% APPROVALS
Phase 2 · 9 itemsFULL BANKABILITY
RemediationAll 20 mapped
+
Banking foundation WORKSTREAM 03
ChaseOPENED
Wells FargoOPENED
Bank of AmericaSEASONING
Checking accounts opened and seasoned with tier one banks.
Exit plan · built before round one
The one decision that makes the end of the 0% period a step instead of a cliff.
Every compliance item we fix prevents an auto-denial. Every utilization point we optimize raises a limit. Every account we season pushes a bank closer to its maximum. The applications wait, because sending them early is the one mistake you can't undo.
Outcome.A file the algorithms can't auto-decline.
02Phase Two · The Rounds
Sequenced applications, live on Zoom
Bureau-Sensitive Ordering · Credit Gardening Between Rounds
Then the applications start. The right banks, in the right order, at the right spacing... and every single one happens live on Zoom with your advisor. Between rounds we remove the hard inquiries that never became open accounts and let the new limits season.
ROUND ONE · SEQUENCED LIVE ON ZOOM
Bureau-soft bank firstAPPROVED ✓
Comparable-limit bank secondAPPROVED ✓
Inquiry-sensitive bank lastTIMED · DAY 30
BETWEEN ROUNDS · CREDIT GARDENING IN PROGRESS
Hard inquiry · never became an accountREMOVED
New limitsSEASONING · DAY 45
UtilizationREBALANCED
ROUND TWO · SEASONED WHEN THE FILE IS READY
Comparable limits now on fileSTRONGER SIGNAL
Inquiry profileCLEANED
Timing3-6 MONTHS LATER
Handled properly, round one can set up a stronger second round... depending on the file and how it seasons.
Engagement TimelineMonths 1-6
The spacing is part of the strategy, not a delay in it.
Outcome.Round one lands at the maximum your file supports, at 0%.
03Phase Three · In Parallel
The business credit build
Tradelines · Business Scores · Bank Rating
While the rounds run, we build the side of your file most funding shops never touch: the business itself. Real tradelines reporting, business scores climbing, and your bank rating engineered so the institutions see a company they can underwrite on its own.
10-15 tradelines reporting
Dun & Bradstreet
Experian Business
Equifax Business
Business Score BuildTargets
PAYDEXTarget 80+
IntelliscoreTarget 70+
FICO SBSSTarget 160+
The Build CurveMonths 1-6
1Tradelines reporting
2PAYDEX 80
3SBSS 160
Low 5 bank rating
04Phase Four · Graduation
The 0% period ends. The plan fires.
The Refinance Path · Institutional Lending · Prime-Range Rates
When the 0% interest period runs out, the exit plan you built in week one executes. The balances move, and the profile you spent six months building unlocks the institutional side of the market. The cards were the door. This is the building.
The 0% interest period ends
The exit plan fires
The balances move on a schedule that was written before round one ever went out.
Term loans FIXED
One lump sum, repaid on a fixed schedule the business can plan around.
+
Business lines of credit REVOLVING
Capital the business can pull from and pay back without reapplying.
+
SBA 7(a) PRIME-RANGE
Long duration lending
Underwritten on the business file that phase three built.
Operator File · REF-002Current → Target
InquiriesSCATTERED→MANAGED
LimitsSTARTER→COMPARABLE TIER
Bank RatingNONE→LOW 5
Business FileINVISIBLE→SBSS 160+
Six months earlier, every line on that file read the other way. Nothing on it moved by accident.
Outcome.Bankable. For good.
Term loans, business lines of credit, and SBA lending at prime-range rates... available to the business, on the business.
The products
What the stacks are built from.
Four capital products, each one entering at a different point in the engagement. Which of them a file can carry is decided by the file and the bank, never by us.
0% Business Credit Cards
The opening rounds. Applications go out sequenced by bureau and spacing, and every limit that lands becomes a comparable-limit signal the next bank reads.
Limits build by round
Business Lines of Credit
Revolving capital the business can draw, repay, and draw against again. Underwritten off business documentation, so it runs on a different lane than the personal profile.
Revolving · reusable
Term Loans
Fixed capital on a set schedule, amortizing down from the first payment. These come into range once the business file can be underwritten on its own strength.
Amortizing
SBA 7(a)
The graduation product. Long duration at prime-range rates, and the reason the business scores get built in parallel while the card rounds are still running.
Prime-range · long term
The track record
500+Business Owners Funded
$90M+Capital Deployed
$20M+Deployed at 0% Interest
ANDREW · $524,500 · UNDER 4 MONTHSBRANDY · $222,000 · 9 APPROVALSBRANDY · $80,000 IN THE FIRST 48 HOURSERWIN · $45,000 · 7 DAYSFRANK · $350,000 SBA · A LATER ROUNDDR. TRUONG · FUNDED AFTER TWO COMPANIES SAID NO
Client results
Business owners who became bankable.
500+ business owners · $90M+ deployed
Case Study · 014 Months
$524,500 in under four months.
Andrew came in as an established business owner with a file that could support real limits... it had just never been prepared or sequenced. The compliance items got fixed first, the banks got ordered by bureau sensitivity, and the applications went out in sequence, live on Zoom.
Under four months later, his stack crossed five hundred twenty four thousand five hundred dollars. The file did the work. The sequence let it.
AndrewStacking Capital client
Case Study · 029 Approvals
$222,000 across nine approvals. $80,000 of it in the first 48 hours.
Nine approvals is not nine lucky applications. It is one prepared file meeting nine banks in the order each one wanted to see it. The first forty eight hours produced eighty thousand dollars because the first banks in Brandy's sequence were chosen for exactly that reason.
BrandyStacking Capital client
Case Study · 03Round Two
Approaching $1M total, including a $350,000 SBA loan.
Frank's engagement shows the whole arc in one client. The card rounds built the capital base, the business credit build ran in parallel, and a later round graduated him to the institutional side: a three hundred fifty thousand dollar SBA loan. That loan is what the first six months were quietly preparing for.
FR
FrankStacking Capital client
Case Study · 047 Days
$45,000 in seven days.
Erwin's file needed less preparation than most, and the sequence was built to move at the speed his profile allowed. Seven days from the first application to forty five thousand dollars deployed. Speed is never the goal here... but when the file supports it, the system doesn't slow it down.
ER
ErwinStacking Capital client
In their own words
Four clients. Four stacks.
Every number below was verified against the client's own capital stack. Press play and hear it from them.
$524,500Total Funded
Andrew M.Business Owner · Orlando, FL
"They got me over half a million in total funding. Started with 0% cards, then layered in loans and lines of credit. Two rounds, eight products, all strategic."
$249,500Total Funded
Menard S.Real Estate Investor · Hartford, CT
"Everything you said you would do actually worked like a charm. I was surprised when we got some high limits. You just got to trust the process."
$222,000Total Funded
Brandy E.Med Spa Owner · Philadelphia, PA
"I don't think I would have had the connections, the relationships, and the organization to get to where I am without you guys."
$164,000Total Funded
Dr. TruongHealthcare Professional · Florida
"Having lines of credit and funding help not only me but every business to expand. That is very useful."
Verified reviews
Public reviews. Real names.
Every review below is a verified Trustpilot review from a Stacking Capital client, published under their own name.
VERIFIED TRUSTPILOT REVIEWS
In writing
One hundred thousand dollars. Minimum.
Qualified clients who complete the program access at least $100,000 in funding, and that number is written into the agreement before you pay us a dollar.
Ask the last funding company you spoke to if they'll sign an agreement with that number in it.
Spouse or Business Partner IncludedSame Engagement
Every Plan Signed Off by PatrickMorning Advisory Review
$100K Minimum GuaranteeIn Writing
Team access
The people in your corner.
Every plan gets built, reviewed, and signed off inside the firm. None of it is offshore, and none of it is a chatbot.
Your capital advisor1:1 US-Based Advisor
Every application live on Zoom, direct line for the whole engagement.
+
PPFounderPatrick Pychynski
Reviews every funding plan with the capital advisors and senior management each morning, and signs off before it ships.
+
FulfillmentDirector of Fulfillment
Second set of senior eyes on every plan before it runs.
WEEKLY CADENCELIVE ON ZOOMSPOUSE OR PARTNER INCLUDED
From the founder
I got burned by three funding companies before I ever started one. I was running a metal recycling business doing seven figures, I needed capital, and every company I hired had the same model: get paid, move fast, disappear.
So during the pandemic I spent fifty thousand dollars learning how business funding actually works, started doing it for friends, and then an ecommerce company hired me to handle their clients' funding because their own team couldn't execute. That became Stacking Capital.
Every funding plan we ship still crosses my desk. That's not a growth strategy. It's the only way I know to keep the promise on this page.
Patrick Pychynski
Founder · USMC Veteran · Former Business Owner
Who this is for
BusinessEstablished, 2+ years operating
RevenueReal, verifiable revenue
CreditStrong personal credit, 700+
Not forStartups or first ideas
The banks already have an order. Get in it.
On the call we review your file, your funding goals, and whether the Blueprint fits your situation. If it doesn't, we'll tell you that too.
Knowing your revenue helps your advisor build a stronger funding plan for you, not to sell you an MCA. We steer business owners away from those completely.
Your profile
What's your personal credit score, roughly?
Your personal info is never shared. This just helps your advisor prepare a custom strategy for your Bankable Blueprint call.
Your business
How is your business set up?
Your business
What's the name of your business?
Please enter your business name.
Your business
What industry are you in?
Knowing your industry helps us build a custom funding strategy for your Bankable Blueprint call.
Almost there
What's the capital for?
Your advisor reads this before your call and builds the plan around it. The more specific you are, the sharper the plan.
You can skip this, but the plans we build from a few sentences are noticeably better.
Your funding goal
How much funding are you looking to access?
We specialize in securing $100K to $500K in 0% to low interest business credit for business owners and real estate investors, then making your business bankable so you can unlock longer term bank financing.
Your credit
What's your utilization rate across all your personal revolving credit?
For example, $50,000 in total limits across your cards with a $5,000 balance is a 10% utilization rate.
Your credit
Any missed or late payments in the last 12 months?
A straight answer helps us plan. Clean recent history opens more doors, faster.
Your credit
Do you currently have an active bankruptcy or foreclosure?
This just tells your advisor which lenders to line up. We work with a lot of different situations.
You're qualified
Pick a time for your Bankable Blueprint Call.
On this call, a real US-based advisor maps out the exact strategy and sequence to secure six figures of 0% and low-interest capital for your business. Pick a time you can actually make.
Real, U.S.-based capital advisors
Loading available times...
Then this isn't the right time.
The advisory only helps when that monthly number is comfortable, not tight. Signing up while cash is thin is how business owners end up worse off, and we're not going to put you there. When the business can carry it, come back and we'll build your plan.
