Category · New Businesses

New Businesses: Startup Funding and 0% APR Card Stacking

Two products designed for the stage traditional banks turn away: early revenue, thin credit files, and businesses that need capital before they have the multi-year history a bank wants to see.

Two Products

Direct Startup Capital or Interest-Free Card Runway?

Both work at the pre-established stage. Your advisor helps you choose based on how you need to use the capital.

Startup Funding

Capital for new and early-stage businesses that may not yet qualify for traditional bank loans. Structured around what your business does have, not what it does not.

Startup Funding

0% Interest Card Stacking

Multiple business credit cards with 0% introductory APR promotions, coordinated together to create interest-free working capital during the promotional period.

0% Interest Card Stacking
Built for the Early Stage

The Capital You Need Before You Have the History a Bank Wants

New businesses run into the same wall at most banks: not enough time in business, not enough revenue history, not enough business credit yet. Lendora's new-business products work around those constraints instead of pretending they are not there. Startup funding leans on the parts of your file that do exist. Card stacking gives you a runway of interest-free working capital while you build the rest. A Lendora advisor walks you through both and explains what happens when the promo period ends.

Talk to a Startup Advisor
Small team in a startup meeting room with sticky notes and colored folders on the table

What Founders Ask Before They Apply

New Business Questions
Yes. Startup funding and 0% APR card stacking are designed for new businesses without the multi-year revenue history a traditional bank asks for.
A strategy that uses multiple business credit cards with 0% introductory APR periods, coordinated together so you access working capital during the promotional window at no interest.
New credit inquiries and utilization affect scores. Your advisor structures the stack to minimize impact and explains what appears on your credit report before you apply.
Promotional windows vary by card issuer, typically 12 to 21 months at 0%. Your advisor confirms the exact terms of the cards you're approved for.
Cards revert to their standard APR. Your advisor helps you plan for repayment before the promo ends, either through business revenue, a refinance, or transitioning to a longer-term product.

Get Funded Before You Have the History a Bank Wants

Apply for funding or talk to a Lendora advisor about startup funding versus card stacking.