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.
Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.
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.
📢 Announcement: Learn about our Apartment Investing Mastermind here.
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
Thank you for joining us for another great episode! If you’re enjoying the show, please LEAVE A RATING OR REVIEW, and be sure to hit that subscribe button so you do not miss an episode.