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Credit card stacking is the practice of applying for multiple credit cards at the same time as an alternative financing solution for startups and small businesses. Some business owners, especially those who cannot qualify for business financing otherwise, use credit card stacking to access a large line of credit to fund their working capital needs.

Credit card stacking works like an unsecured line of credit where you use multiple credit cards to fund your business. The combined limits of your stack represent your unsecured line of credit, which is revolving and can be used repeatedly.

Credit card stacking is considered as an alternative option to a business loan or business line of credit. This is a great option if you don’t have collateral to use for loans. However, because business credit card stacking involves an unsecured credit line, it is considered high risk, so most providers typically require credit scores of at least 680 to qualify.

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Here are a few important things that you need to remember about how credit card stacking works:

• Your limit is revolving: You are drawing on your credit limit every time you use your credit cards, and you must pay your balance on a monthly basis. Once you repay the amount you borrowed, the credit limit will be available for use again.
• You’ll accrue interest on unpaid balances: As with any business credit card, the remaining unpaid balances on each of your monthly statements will accrue interest until they have been fully paid off. The interest rates may vary per credit card issuer.
• Collateral is not required: With an unsecured credit card, you don’t need to pledge your business assets or personal assets as collateral.
• You’ll need to provide a personal guarantee: In most cases, a personal guarantee is required for credit card stacking. It gives your lender the right to pursue your personal assets if your business fails to repay its debt obligations.
• You need to pay your credit card balance, including interest and charges: If you stop paying your credit card, the issuer will contact you regularly and attempt to collect payment. If no payment is made after 180 days, your debt will be charged off and will be sold to an external collection agency or sent to in-house collectors. You’re still liable for the charged-off account, including fees and interest charges, until it’s repaid.

This is not an offer, term sheet or commitment. Rates and terms can change without notice.
All transactions are subject to underwriting and written approval.