WE'LL GET YOU APPROVED UP TO $250,000 IN 0% BUSINESS FUNDING WITHIN THE NEXT 30-90 DAYS.

0% APR business funding means you access capital (usually via business credit cards or lines) without paying interest for a set introductory period, often 6–18 months.​ During this window you still must make minimum payments, but no interest is charged on the balance as long as you stay within terms and pay on time.

Most 0% APR offers on business credit products run for a promotional period, commonly 6–18 months from account opening or first purchase.​ After that, a standard variable APR (often 15–30% depending on credit profile and product) applies to any remaining balance

When the promo period ends, the card or line reverts to its regular APR, and any unpaid balance starts accruing interest at that rate.​ To get the full benefit of 0% APR funding, the goal is to pay off or strategically refinance the balance before the promotional term expires

Most business credit cards and lines require a personal guarantee and may involve a personal credit check, which can create a hard inquiry and impact your personal score.​ Some specialized 0% APR funding programs focus on structuring funding so that utilization reports primarily to business credit rather than personal credit, reducing impact on personal scores if managed correctly.

Businesses typically use 0% APR funding to smooth cash flow and finance growth initiatives like marketing, inventory, equipment, hiring, or real estate deals without immediate interest cost.​ It works best for investments with a clear plan to generate cash flow within the promo period so the balance can be repaid before higher interest kicks in