Creative Financing 101: Using Business Credit to Fund Your Deals

[Virgil Moore]

Hey, everyone!

We all know that financing can be one of the biggest roadblocks in real estate investing. Whether you're flipping houses, building a rental portfolio, or tackling a BRRRR project, traditional loans often come with a long approval process and strict terms that don't always work in your favor.

But what if I told you there’s a way to get the funds you need faster and without relying on traditional lenders? That’s where business credit comes into play, and it’s a tool that too many investors overlook.

Here’s the deal: Business credit isn’t just for large corporations. It’s a powerful way for real estate investors like us to fund deals, manage cash flow, and scale our operations without putting our personal credit or assets at risk.

So, why should you consider using business credit for your deals?

For starters, it’s fast and flexible. Unlike traditional lenders, business credit lines give you quicker access to capital with fewer restrictions. Whether you’re securing a property, covering rehab costs, or even handling unexpected expenses, having access to business credit can make all the difference.

Plus, you’re separating your personal and business finances. This means your personal credit won’t be impacted by business expenses. That’s huge when you’re looking to scale—especially if you plan to keep growing your portfolio.

And here’s something that really makes business credit shine: 0% interest for the first 6-12 months. You can use these funds for renovations or other project costs and pay them off without worrying about high-interest fees eating into your profits.

If you’re ready to use business credit creatively, here’s what you need to know: you can start small and build your credit over time. As you continue to establish business credit, you can access larger lines of credit, giving you the ability to take on more properties and bigger projects without the hassle of traditional financing.

I work with real estate investors to help them navigate the world of business credit and unlock funding opportunities that fuel their growth. If you’re interested in learning more or want to discuss how business credit can work for your specific deals, feel free to message me. I’d love to chat!

How are you currently financing your deals? Have you used business credit, or is it something you’re considering?

[Jay Hinrichs]

Quote from @Virgil Moore:

Quote from @Jay Hinrichs:

running up credit cards and try to couch these as business loans is very dangerous.

Its just a disaster waiting to happen.. only one making money is the company talking you into it and charging you to do it.. Like Credit repair companies and other shysters like that.

I appreciate your opinion, but I think there’s a misunderstanding about how credit card stacking works and what it offers. First off, no one is comparing credit card stacking to a traditional loan—it’s actually a much more flexible and strategic approach to funding. Credit card stacking leverages business credit lines with 0% interest for a certain period, which can be used to fund projects without the high costs or restrictions that come with traditional loans. It allows you to scale and grow your business while protecting your personal assets.

As for your comment on credit repair companies, there’s a big difference between legitimate credit repair practices and those that prey on people. A reputable credit repair company using Metro 2 compliance and the law to dispute inaccurate items from credit reports is helping people regain financial control and build a stronger credit profile. It’s not about ‘shiesty’ tactics; it’s about giving people the tools and knowledge to use OPM (Other People’s Money) effectively, improving their financial future in the process.

I understand that credit can be a complex subject, but with the right knowledge and strategy, credit card stacking and credit repair are legitimate methods for improving financial flexibility and opportunities. I’d be happy to discuss these topics in more detail if you’d like to learn more.

I am good we can agree to disagree..  my lines of credit are with  commercial banks so they are not reported to fico.. Not easy to get though .  So I understand the client your going after.