Secure & Encrypted (661) 310-2445
0% Intro APR · Business Credit

Up To $150,000
At 0% Interest.

The 0% program builds business credit on your personal profile, not your revenue. Even a brand-new or not-yet-formed business can qualify. Answer a few questions and a specialist maps out your plan.

0% intro APR for the first 12 to 18 months.
Startups & pre-revenue welcome because it's your personal credit that qualifies.
No score impact to check. Just a soft inquiry.
Keep 100% of your capital with no interest during the intro period.
$150K
Up To
0%
Intro APR
$0
To Apply
Step 1 of 70%

How much are you looking to access?

A rough range is fine. We'll refine it together.

Your personal credit

The 0% program is approved on your personal credit. This is a soft check with no score impact.

Your financial snapshot

Limits, utilization, income, and cash in the bank all help you qualify.

$

Your contact information

So your specialist can reach you with your plan.

About your business

No business yet? No problem. Pick "Not formed yet" and skip the rest.

You & how you want to work

A little about you as the owner, and how hands-on you'd like us to be.

Authorize & sign

Three quick authorizations and your signature. Your specialist takes it from here.

Typing your name acts as your electronic signature, dated today.
Your info is secure and never sold.

Application received.

Thanks, we've got your details. A Mesa Group Capital 0% specialist will review your file and reach out soon with your credit-building plan and next steps.

Want to talk now? Call (661) 310-2445

Let's get you fundable first.

Based on what you shared, the fastest path to 0% funding is to clean up and strengthen your personal credit first. Most clients qualify within a few months. Book a free credit consultation below and we'll build your plan. Think of it as a head start, not a rejection.

Prefer to talk now? Call (661) 310-2445

You're almost there.

You're right on the edge of the 0% program. A few quick moves, like paying a card or two below 30% and letting recent inquiries age, usually get you over the line fast. Book a free consultation below and a specialist will map the shortest path. It's a short runway, not a rejection.

Prefer to talk now? Call (661) 310-2445

0% intro APR for 12 to 18 months Soft pull, no score impact Startups welcome Up to $150,000 Serving all 50 states
How It Works

0% Funding In Four Steps

We use your personal credit to open business credit lines at 0% intro APR, and we coach you the whole way.

Share Your Profile

A few quick questions about your personal credit, income, and goals. Soft check only, with no score impact.

We Build Your Plan

Your specialist maps which 0% business cards to target and in what order to maximize approvals.

Stack Your Approvals

We guide each application so the lines come through together, often up to $150K in combined 0% credit.

Deploy Your Capital

Use it for whatever grows your business. It stays interest-free through the intro period, so you keep 100% of it.

9:41●●●●●
MESA GROUP CAPITAL
Plan Ready!
Projected 0% access up to
$150,000
0% INTRO APR
View My Plan
Illustrative example. Soft check only, not an offer of credit.
Start My Application →
The Strategy

What Is 0% Credit Stacking?

One of the most powerful ways to access real capital without interest, collateral, or giving up a share of your business.

0% credit stacking opens a series of business credit cards that carry an introductory 0% APR, approved on your personal credit rather than your business revenue. Applied in the right order and timing, the approvals "stack" into a large pool of capital you can put to work interest-free during the intro window. Because it's built on your personal profile, even a brand-new or not-yet-formed business can qualify.

  • Interest-free during the intro period, commonly 12 to 18 months to put the capital to work.
  • No collateral. Nothing is pledged against your home, equipment, or savings.
  • You keep 100% ownership. It's credit, not equity and not a partner.
  • It builds your business credit for your next round of capital.
  • Guided sequencing. We time the applications to avoid the mistakes that trigger denials.
The 0% Program At A Glance
Capital you can accessUp to $150,000
Introductory rate0% APR
Interest-free window12 to 18 months
Typical setup time2 to 4 weeks
Collateral requiredNone
Equity given upNone
Amounts, rates, and introductory periods are set by third-party card issuers and vary by applicant. Illustrative only, not an offer of credit.
See What You Qualify For →
Real Results

Business Owners We've Backed

Real Mesa Group clients, in their own words. Tap to hear their stories.

SikanderTrucking
Jesus LunaMedical
AlexBusiness Owner
Gurbender GillInsurance
Do You Qualify?

What Makes A Strong 0% Candidate

The 0% program is approved on your personal profile, not your business revenue. Here's what helps most.

700+
Prime Credit
The sweet spot for 0% approvals
650+
Workable
With cash in the bank or revenue
<30%
Card Utilization
Lower balances lift approvals
Day 1
Any Business Age
Startups & not-yet-formed OK
Questions

Before You Apply

No. Reviewing your options is a soft inquiry only, which does not affect your credit score. A hard inquiry happens only later, when you choose to move forward with a specific card that requires one.

Yes. The 0% program is underwritten on your personal credit, income, and utilization, not on business revenue. Even a not-yet-formed business can qualify, because the person qualifies, not the company.

700+ is the prime "green zone" and the strongest fit. 650 to 699 can still work when you have a compensating factor: cash in the business bank account, real monthly revenue, or verifiable income. Below 650, or with unresolved collections or a bankruptcy, we'll point you to a short credit-building plan first so you qualify soon. We won't just turn you away.

It depends on your personal profile, but many clients access up to around $150,000 in combined 0% business credit across multiple approvals. Your specialist will give you a realistic projection.

The 0% rate is an introductory APR that lasts a set period (commonly 12 to 18 months). The strategy is to put that interest-free window to work and have a plan to pay down or refinance before it ends. We coach you on exactly that.

No. Mesa Group Capital is a referral and advisory service, not a direct lender. The credit lines are issued by banks and card issuers based on their own criteria. We build the strategy and guide you through it.