First 90 days: Build credit and a home baseStep 15 of 25

Line up funding before you need it

We leverage Business Credit Stacking to strategically position your application, securing between $10,000 and $250,000 in working capital at 0% introductory rates. This ensures you have the immediate liquidity required to execute your sales and growth strategies without sacrificing ownership.

Step 1: Check Eligibility. Submit your basic details to see what you qualify for without a hard credit pull.
Step 2: Review Stacked Offers. Evaluate your term loan options, ranging from $25k to $400k, customized to your credit profile.
Step 3: Quick Underwriting. StartCap handles all document collection seamlessly in the background.
Step 4: Receive Funds. Capital is deposited in 10 business days or less for immediate deployment into your business.

Startup Friendly10-Day FundingUp to 7-Year Terms

See My Funding Options View Minimum Requirements

Ideal credit profiles (720+ FICO 8, DTI under 40%, credit card balances below 30%, and at least 2 years of established history) generally receive maximized funding amounts. Recent major delinquencies or bankruptcies within the last 5 years may result in disqualification. StartCap facilitates the quote and document collection process entirely. AccountantHelpMe is not a lender and does not make credit decisions. We may be paid by StartCap if a business we refer is funded. This does not change what you pay. No automated approval or denial happens on this site. A specialist reviews every request.

This playbook is general information, not legal, tax or financial advice. Rules change, so confirm details with a licensed professional. Last reviewed September 2026.

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