0% Interest Business Funding With Patrick Pychynski, Ep. 723

Patrick Pychynski is the founder of Stacking Capital and a specialist in helping entrepreneurs unlock 0% interest business funding without relying on high-interest debt or personal guarantees. A former scrap metal yard operator turned business credit strategist, Patrick now helps clients secure $50,000 to $500,000 in funding by optimizing their credit and compliance—empowering them to scale while preserving personal financial security.

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Key Takeaways

• Patrick helps business owners secure 0% interest business credit cards—often between $50K–$500K—with little to no impact on their personal credit.

• These cards offer short-term financing with 6–18 month 0% periods and typically don’t report to personal credit bureaus.

• Using these strategies can help cover renovation costs, down payments, or working capital needs when timed strategically.

• He stresses the difference between credit problems and cash flow problems, and why knowing the difference is key to growth.

• The ultimate goal is to make businesses bankable—ensuring they meet lender compliance standards for long-term financing.

Topics

Unlocking 0% Interest Business Funding

• Focuses on business credit cards with 0% interest intro periods for 6–18 months.

• Uses a three-pronged approach based on credit, cash flow, or collateral—most clients qualify via credit.

• Cards typically do not report to personal credit, which helps preserve your debt-to-income ratio.

Who This Strategy Works For

• Best for business owners or real estate investors with 700+ personal credit scores.

• Short-term capital is ideal for fix-and-flip deals, renovations, down payments, or getting a business off the ground.

• Should not be used by those with poor cash flow or no repayment plan in place.

How to Use Credit Cards for Real Estate or Business Growth

• Tools like Plastiq allow you to convert credit limits into cash, incurring only a 3–6% fee.

• Helps investors bridge capital gaps without affecting mortgage qualification or personal DTI.

• Strategy can be repeated if credit is managed properly and balances are kept low after intro periods expire.

From Mistakes to Mastery

• Patrick learned the hard way—once jailed for a contract technicality due to lack of credit and funding options.

• That experience sparked his passion to educate others on leveraging business credit instead of personal risk.

• Today, he uses software to run compliance scans that instantly show clients what financing they’re eligible for.

Making Your Business Bankable

• Emphasizes the long-term play: becoming compliant with lender standards (like business addresses, credit file structuring).

• Explains why 90% of businesses get denied by banks—often due to non-compliance, not creditworthiness.

• His software helps correct these gaps quickly, helping businesses graduate from non-bankable to bankable.

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Round of Insights

Failure that set Patrick up for success: Was jailed after defaulting on a $20K business contract in his early 20s—had he known about business credit, it could’ve been solved with a 0% card.

Digital or mobile resource: 75 Hard app – a $6 tool that supports a transformative mental and physical challenge.

Book recommendation: Think and Grow Rich by Napoleon Hill – the book he recommends and gifts most often.

Daily habit: Morning run—combines prayer, breathwork, stretching, and sunlight to start each day focused.

#1 insight for accessing business credit: Your personal credit is the foundation—keep your score above 700 and avoid derogatory marks.

Favorite local eatery in West Palm Beach, FL: Coco Cabana

Next Steps

• Get a free compliance scan and funding pre-qualification at StackingSuccess.com

• Optimize your personal credit before seeking business funding

• Use short-term 0% capital only with a clear investment strategy and exit plan

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