Client Testimonials | Stacking Capital

Client results

See exactly what our clients were approved for, in their own words

Every product. Every bank. Every limit. Each file below is the whole thing, open.

The files5 engagements, documented

01Andrew M.Business owner · Orlando, FL$524,5006:26 video
02Menard S.Real estate investor · Hartford, CT$249,5009:35 video
03Brandy E.Med spa owner · Philadelphia, PA$222,0008:10 video
04Dr. TruongHealthcare professional · Florida$184,0005:21 video
05Korey G.Business owner · Las Vegas, NV$135,7771:42 video

File 016:26

Case · 4 months

$524,500 in under four months.

“They got me over half a million in total funding. Started with 0% cards, then layered in loans and lines of credit. Johnny mapped out the whole thing. Two rounds, eight products, all strategic.”

Andrew M.Business owner · Orlando, FL

How the file moved

01
The file
An established Orlando owner with a file that could support real limits. It had never been prepared or sequenced.
02
The sequence
Compliance items first. Then banks ordered by bureau sensitivity. Applications went out in sequence, live on Zoom.
03
The file after
$164,500 at 0% and $360,000 in lines. Eight products. The number on the file is $524,500.

8 productsUnder 4 months$164,500 at 0%

The capital stack

$164,500 at 0% $360,000 other

CitizensBLOC · Revolving
$250,000
AmexBLOC · Revolving
$90,000
Bank of America (x3)Biz CC · 0%
$54,500
Chase Ink (x2)Biz CC · 0%
$45,000
Amex Blue CashBiz CC · 0%
$25,000
Amex Blue PlusBiz CC · 0%
$25,000
BluevineBLOC · Revolving
$20,000
US Bank Triple CashBiz CC · 0%
$15,000

The number on the file$524,500

8 products. $164,500 at 0% interest, $360,000 at rates the institutions set. Approvals, limits and terms are decided by the institutions.

File 029:35

Case 01 · Real Estate

$249,500. 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.”

Menard S.Real estate investor · Hartford, CT

How the file moved

01
The file
A Hartford investor with multiple properties. Income does not arrive evenly, and most collateral an underwriter can see is already pledged.
02
The sequence
Twelve products across eight desks, each sized to what that desk would actually approve, instead of two or three large asks a portfolio profile tends to lose.
03
The file after
$159,500 at 0% from ten smaller approvals, plus $90,000 in term products. The number on the file is $249,500.

12 products8 institutions$159,500 at 0%$90,000 term

The capital stack

$159,500 at 0% $90,000 other

LightstreamLoan · Low Rate
$45,000
Southend CapitalEquip · Low Rate
$45,000
Chase Ink UnlimitedBiz CC · 0%
$41,000
KeyBankBiz CC · 0%
$25,000
Chase Ink Business CashBiz CC · 0%
$23,000
Wells Fargo SignifyBiz CC · 0%
$22,000
Bank of America Customized CashBiz CC · 0%
$18,500
Bank of America Unlimited CashBiz CC · 0%
$9,000
Bank of America Travel RewardsBiz CC · 0%
$9,000
US Bank PlatinumBiz CC · 0%
$8,000
Amex Blue CashBiz CC · 0%
$2,000
Amex Blue PlusBiz CC · 0%
$2,000

The number on the file$249,500

12 products. $159,500 at 0% interest, $90,000 at rates the institutions set. Approvals, limits and terms are decided by the institutions.

File 038:10

Case · 9 approvals

$222,000 across nine approvals.

“I don't think I would have had the connections, the relationships, and the organization to get to where I am without you guys.”

Brandy E.Med spa owner · Philadelphia, PA

How the file moved

01
The file
One prepared file. Nine banks, each in the order that bank wanted to see it.
02
The sequence
The first banks in the order were chosen for early limits. Eighty thousand dollars landed in the first forty eight hours.
03
The file after
$187,000 at 0%. Nine approvals. The number on the file is $222,000.

9 approvals$187,000 at 0%

The capital stack

$187,000 at 0% $35,000 other

Amex Blue Business PlusBiz CC · 0%
$50,000
Chase UnlimitedBiz CC · 0%
$45,000
Amex Blue Business CashBiz CC · 0%
$35,000
Chase TravelBiz CC · Select
$35,000
PNC BusinessBiz CC · 0%
$23,500
Wells Fargo SignifyBiz CC · 0%
$14,000
US Bank 12moBiz CC · 0%
$10,000
US Bank 18moBiz CC · 0%
$7,000
Truist 12moBiz CC · 0%
$2,500

The number on the file$222,000

9 products. $187,000 at 0% interest, $35,000 at rates the institutions set. Approvals, limits and terms are decided by the institutions.

File 045:21

Case · Two firms said no

$184,000, after two companies said no.

“Having lines of credit and funding help not only me but every business to expand. That is very useful.”

Dr. TruongHealthcare professional · Florida

How the file moved

01
The file
A Florida healthcare practice with real revenue. Two funding companies had already worked this file. Neither could get it approved. Nothing about the practice changed.
02
The sequence
The items an underwriter checks before revenue is discussed were cleared first. Then six products, six institutions, in an order written for this profile.
03
The file after
$104,000 at 0% and $80,000 in lines. The number on the file is $184,000.

6 products$104,000 at 0%Two firms said no

The capital stack

$104,000 at 0% $80,000 other

BluevineBLOC · Revolving
$60,000
US Bank PlatinumBiz CC · 0%
$38,000
Bank of America (x2)Biz CC · 0%
$28,000
GM Goldman SachsBiz CC · 0%
$23,000
AmexBLOC · Revolving
$20,000
Chase InkBiz CC · 0%
$15,000

The number on the file$184,000

6 products. $104,000 at 0% interest, $80,000 at rates the institutions set. Approvals, limits and terms are decided by the institutions.

File 051:42

Case · Las Vegas

$135,777 across eight products.

“What happens on the back end with you guys is just a detailed plan. It's holding your hand to execute that plan. And then it's follow through and accountability.”

Korey G.Business owner · Las Vegas, NV

How the file moved

01
The file
A Las Vegas business owner. The file went through the same preparation every file on this page does, before a single application went out.
02
The sequence
Five institutions, ordered for this profile. Cards first, then a line, then a low-rate loan behind them.
03
The file after
$73,000 at 0% across five cards. A sixth card, a Wells Fargo line and a Lightstream loan carry the rest. The number on the file is $135,777.

8 products$73,000 at 0%5 institutions

The capital stack

$73,000 at 0% $62,777 other

LightstreamRate set by the institution
$39,777
Chase Ink0%
$21,000
Wells Fargo Signify0%
$18,000
BofA Red0%
$16,000
Wells Fargo BLOCRate set by the institution
$15,000
US Bank Platinum0%
$10,000
BofA Gray0%
$8,000
BofA BlueRate set by the institution
$8,000

The number on the file$135,777

8 products. $73,000 at 0% interest, $62,777 at rates the institutions set. Approvals, limits and terms are decided by the institutions.

Client results shown are individual outcomes across business credit cards, lines of credit, and low-rate products. They are not typical and are not a guarantee of future results. Outcomes depend on credit profile, business profile, timing, and lender criteria.