How to Use 0% Business Credit Cards

To Fund Your Next Flip

If you’re flipping houses, you know one thing: speed wins. The faster you can close, renovate, and resell, the higher your profit margin.

But here’s a strategy most new investors completely overlook:

✅ 0% interest business credit cards.

Used right, these cards can be a powerful funding tool to cover acquisition costs, rehab expenses, or staging — without touching high-interest loans.

Let’s break down how the pros use them — and how you can too.

💳 Why Business Credit Cards (Not Personal)?

The difference is huge:

  • They don’t report to your personal credit
  • They often come with 6–18 months of 0% interest
  • You can stack multiple cards at once
  • Approval is based more on income projection and structure than just score

This means you can access $50K–$150K+ in 0% capital — without wrecking your DTI (debt-to-income) ratio or credit utilization.

💡 How Do Flippers Actually Use Them?

Here’s how our clients leverage these cards in real-world flips:

  • 💥 Gap funding for down payments
  • 🧰 Paying contractors or material suppliers
  • 🎯 Covering holding costs, permits, and staging
  • 💼 Keeping cash reserves intact while using 0% money

With proper setup and payment discipline, it’s a strategic tool that accelerates your flip — without sacrificing profits to interest.

⚠️ What Are the Risks?

Let’s be real — this strategy isn’t for the reckless.

Business credit cards:

  • Require on-time monthly payments
  • Should be used as short-term bridge capital, not long-term debt
  • Work best with repayment or exit strategy already planned

That’s where we come in. At Skin in the Game Funding, we build custom stacks and timelines that align with your project goals, so you don’t get in over your head.

🚀 How to Get Approved

Here’s what you typically need:

  • 680+ credit score
  • 3+ active trade lines in good standing
  • Less than 6 hard inquiries in past 6 months
  • Minimal recent delinquencies
  • Reasonable credit utilization (below 60%)

Don't meet those criteria yet? Our Credit Repair Plus™ service can help you get there in 1–3 months.

✅ Final Thought

0% business credit cards aren’t just for points and perks — they’re a legit funding tool when used with precision.

You’re flipping real estate. Make sure your capital strategy is just as smart as your renovation plan.

👉 Apply for Pre-Approval Now

‍