Swift Line Capital is a company specializing in helping clients secure 0% credit card funding and lines of credit in order to help grow their business or real estate portfolio without the risk of high interest rates, denials, or over leveraging personal funds.

We assist clients in obtaining 0% APR business credit cards and credit lines, which offer a low-cost funding solution for up to 12-18 months, depending on the issuer. These 0% cards help establish business credit and it does not negatively impact your personal credit score through higher utilization unlike personal cards.

Entrepreneurs, small business owners, real estate investors and individuals looking for accessible and low-cost funding to start or expand their business can benefit from our services.

Swift Line Capital helps with traditional bank lending such as personal loans, business loans / lines of credit, business term loans and 0% interest credit card stacking. Like anything, they all have pros and cons and we can recommend or mix and match the best options to help reach your funding goals, although our 0% interest credit stacking is by far the most popular.

No, Swift Line Capital does not directly provide hard money or private money loans. However, we have a list of preferred vendors who can help assist with any type of lending such as hard money, private money, DSCR loans, and much more for those seeking additional funding options.

Our 0% credit funding offers an interest-free period with an initial interest free period of 12-18+ months and options to extend as long as 3-5 years. These offer flexible payment terms, and no immediate cost of capital, making it an ideal solution for strategic cash flow management while minimizing both risk and unnecessary expenses such as interest payments. Unlike other lending alternatives, these are revolving lines of credit meaning you can borrow from the money again and again and you may choose to spend it however and whenever you please.

If you have a excellent credit score (800+ or higher) and if you're only wanting $30K - $60K, you absolutely can. We typically find that when applying on your own you can get credit limits similar to your personal cards. So if your personal cards have $10-25K limits, this will likely be what you can achieve on business 0% interest options. So to get $100,000, this process may require you to get 5-10 different 0% interest credit cards, when we can typically get it in only 1-2 applications.

If you're looking to get access to $100,000+ then there's a real strategy that is required by underwriters to approve these high limits. This is why it's often worth hiring a company as it could be the difference in tens of thousands of dollars you may not have been able to get on your own.

Yes, we are a performance based company meaning we only have a fee if we can actually fund you or your business. Our fees range based on type of lending product and total amount of funding. We offer both an upfront fee which typically comes out to around 3% of the total amount funded or we have a performance success fee which can range in percentages based on the total amount funded. Our average customer spends roughly $5,000 which receives $100,000 - $200,000+ in interest free capital for 12-18+ months.

We help clients obtain between $50,000 and $200,000+ in 0% interest lending, depending on factors based on your credit profile, utilization, FICO score, LLC entity structure, and much more. Clients who also get personal loans, business lines of credit or business term loans may receive additional in capital.

The process typically takes 2-6 weeks from application to funding, depending on credit approval and the specific lender's timeline. Personal and business lines of credit can be received in as little as 3-5 days, however, our 0% interest options typically can take 4-6 weeks.

We recommend having a credit score of at least 680 to increase the likelihood of approval for 0% credit cards, although a 700-720 or greater is preferred. If your credit is not eligible for funding we do offer services to help boost FICO scores or remove late payments or negative marks on your credit report.

0% credit cards and lines of credit can typically be used for various business expenses, including purchasing equipment or inventory, covering payroll, purchasing properties, renovation costs, or anything else that can help grow your business or real estate portfolio. For purchases (like real estate) that require cash, our program will help liquidate the credit cards (ie: pull cash out of the credit limits) to avoid needing to use a credit card.

After the 0% APR period ends, the interest rate will revert to the standard APR set by the credit card issuer. These interest rates spike up which can be 18% or greater. We advise clients to have a repayment plan to avoid higher interest costs. If you still need more time it's best to do a simple balance transfer balance transfer at the end of this period which avoids interest rates. This transfers the debt off the expiring card to a new one which grants another 12-18+ months interest free all over again.

Swift Line Capital offers works side by side with the banking institutions. The benefit is that we have access to banks all across the nation in order to recommend and offer the best of all words depending on the type of loan, institution, region of the country you live and and ultimately having a bigger variety of options working with any bank, rather than being limited to what you may have personal access to. These provide higher limits and a wider range of benefits as we can be selective on who to work with specialized 0% credit card funding services designed for fast access and flexibility, while banks may provide conventional loans that have different terms and application processes.

Yes, we offer comprehensive support and guidance to ensure our clients understand and maximize the benefits of their credit and higher limits for approval. Our goal is to not only provide funding for our clients but teach them how it can be achieved over and over again on their own.