Business
Credit Line Hybrid
Access up to $150,000 in business credit with 0% APR for up to 18 months. No collateral, soft pull only, 680+ credit required. Get funded in days.
Access to funds when you need it!
Business Credit at your fingertips
Faster Funding’s Credit Line Hybrid Program offers entrepreneurs and business owners fast, flexible funding through business credit cards that report to business bureaus and can grow with your business. Access revolving business credit with 0% interest introductory terms and high limits without pledging collateral.
How It Works
- Apply through our secure portal with a soft credit pull or upload your 3-bureau report
- Pre-qualification in 24–48 hours
- Funding specialists structure your credit card stack for max approval and credit limit
- Cards issued within days, most with 0% APR promotional periods
- Pay only if funded – success fee of 9.9% is due after cards are activated
Submission Requirements
To get started, submit one of the following
- Credit Line Hybrid application (soft pull—does not impact your score)
OR - Full 3-bureau personal credit report from a reputable source like MyFICO or SmartCredit
Low Interest Rates
as low as 0% interest for 6–18 months
Flexible Loan Options
revolving credit (no set loan term)
Quick Access to Funds
up to $150,000 total across multiple cards
Learn how the Business
Credit Card process works!
Introducing our Credit Line Hybrid Program:
-
- Limit Amount: Up to $150,000
- Qualifications:
- Credit Score: 680+ on all three bureaus (Experian, Equifax, TransUnion)
- Credit Utilization: Under 40% on all revolving accounts
- Recent Inquiries: No more than 4 inquiries per bureau in the last 12 months (excluding auto/mortgage)
- New Accounts: No more than 3 unsecured credit accounts opened in past 12 months
- Public Records: No bankruptcies, no open or unpaid collections/judgments
- Payment History: No late payments in the last 24 months
- Trade Lines: At least 2 open revolving accounts with $5,000+ limits and 2+ years of history
- Limit Amount: Up to $150,000
Faster Funding
Credit Line Hybrid features ideal for small businesses
The Credit Line Hybrid is a funding program that uses business credit cards to offer a revolving credit line of up to $150,000, typically with 0% APR for 6–18 months. Designed for individuals with excellent personal credit, this strategy allows you to separate personal and business expenses, improve business credit, and access unsecured working capital.
Key Program Features:
- Credit limits: $10,000 – $150,000 total across multiple cards
- Intro APR: 0% for 6–18 months, depending on issuer
- Post-intro rates: 5% – 29% variable APR after intro period
- Term: Revolving credit (no set loan term)
- Collateral required: none (unsecured based on strong personal credit)
- Success fee: 9.9% fee, paid only after funding is secured
Why Choose the Credit Line Hybrid?
- Unsecured funding—no income verification or collateral needed
- Fast approvals—funding possible in as little as 7–14 days
- Boost business credit—cards report to business credit bureaus
- Protect personal assets—no direct personal guarantee on every account
- Revolving access—reuse the credit line as you repay
- Ideal for startups—even pre-revenue companies can qualify
This program is best for:
- Startups or small businesses needing early-stage capital
- Entrepreneurs looking to separate personal and business credit
- Business owners seeking flexible, revolving credit
- Professionals avoiding large lump-sum term loans
Get Started in 3 Easy Steps
- Complete the Credit Line Hybrid application (soft pull) or submit your 3-bureau credit report
- Speak with a funding advisor to review your eligibility
- Access up to $150K in 0% interest business credit within 7–14 days
DOWNLOAD YOUR FREE STEP-BY-STEP GUIDE
How to get $150k in business credit lines and business credit cards – even as a startup!
How We Work. Our Mission & Values
At Faster Funding, we know the importance of making smart business decisions and we strive to provide the financial solutions to help make it easier. We want to help make sure that you have the right card for your needs, so if you’re not sure what the best option is for you, just give us a call and one of our specialists will help you choose the card that’s best for you
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Is this a traditional business credit card?
No. This is a structured credit stack that leverages multiple business cards for higher limits and flexibility.
Does this affect my personal credit score?
Only a soft pull is used during prequalification. Some cards may report inquiries, but balances typically do not appear on your personal credit.
Are these true business cards?
Yes. Cards report to business bureaus and do not impact personal utilization.
Can I get this if my business has no revenue?
Yes. This program is based on personal credit, not business income
What if I don't qualify today?
Our team can help guide you on how to improve your profile and reapply successfully. Check out our Business Credit Building and Finance Suite.
Have Questions?
Contact us to learn more about our business credit cards. Our team of experts is standing by to help you find the perfect financial solution for your business.
