How fast can I get a business loan?

With Slate Financial, many business loans fund in as little as 24 hours. MCAs and lines of credit can fund same-day. Term loans typically fund in 24-72 hours. Real estate loans range from 5 days to 4 weeks depending on the product.

Can I get a business loan with bad credit?

Yes. Products like MCAs, MCA Bailouts, and Lines of Credit are primarily based on your business revenue, not your personal credit score. If your business generates consistent monthly revenue ($10K+/month), you likely qualify for funding.

What types of business loans does Slate Financial offer?

Slate Financial offers 14 loan products including Term Loans, Lines of Credit, Merchant Cash Advances, MCA Bailout, 0% Interest Business Credit Cards, Equipment Financing, Purchase Order Factoring, Commercial Real Estate Loans, Residential Mortgages, DSCR Loans, Fix and Flip Loans, Ground-Up Construction Loans, Mergers & Acquisitions Financing, and Form 1003 Mortgage Applications.

Does applying for a business loan affect my credit score?

No. Slate Financial's initial application uses a soft inquiry that does NOT impact your credit score. A hard pull is only done after you've reviewed and accepted a specific offer from a lender.

A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on the property's rental income rather than personal income. If the property's rent covers the mortgage payment, you can qualify without providing pay stubs, W-2s, or tax returns.

Will applying for multiple credit cards hurt my credit score?

Each card application may result in a hard inquiry, which can temporarily lower your score by a few points. However, our strategic approach groups applications to minimize impact, and the new available credit actually improves your utilization ratio over time. Most clients see their scores recover or improve within 60 to 90 days.

Can I use 0% business credit cards for any expense?

Yes. Unlike some business loans that restrict fund usage, business credit cards can be used for virtually any purpose, including inventory purchases, marketing spend, payroll, equipment, travel, software subscriptions, and general working capital. There are no restrictions on how you deploy the credit.

What happens when the 0% introductory period ends?

After the promotional period expires, any remaining balance accrues interest at the card's standard variable APR, typically between 18% and 26%. We recommend planning to pay off or transfer balances before the promotional period ends. Some clients execute a balance transfer strategy to extend their interest-free period.

Do I need an established business to qualify?

No. This program is available to brand-new businesses, startups, and even sole proprietorships. You will need an EIN or at minimum a business name and registration, but there is no revenue requirement. Approval is based on your personal credit profile, not your business financials.

Back to all products

0% Interest Business Credit Cards

Access $50K–$250K in 0% intro APR business credit cards with no impact to your business credit.

LOAN RANGE

$50K – $250K

TURNAROUND

7–14 business days

Best for entrepreneurs, startups, and business owners with strong personal credit who want interest-free capital without collateral or revenue requirements.

About 0% Interest Business Credit Cards

Zero-percent interest business credit cards provide access to $50,000 to $250,000 in unsecured credit with introductory APR periods ranging from 12 to 21 months. During this promotional period, you pay no interest on purchases or balance transfers, making this one of the lowest-cost capital options available to business owners and entrepreneurs.

Unlike traditional business loans, 0% APR credit cards do not require collateral, revenue documentation, or hard credit pulls during the initial application phase. Approval is based primarily on your personal credit profile, which makes this product especially valuable for startups, newly formed businesses, and entrepreneurs who may not yet have the revenue history required for conventional financing.

Slate Financial works with a network of issuing banks to help you access multiple 0% APR cards simultaneously, maximizing your available credit. Our team handles the application strategy, optimizes your approval odds across multiple issuers, and helps you structure the credit to best serve your business needs, whether that means funding inventory, covering marketing expenses, or bridging a gap in working capital.

How It Works

1Complete a brief application with your personal and business information; we perform a soft credit pull to assess your profile without impacting your score.
2Based on your credit profile, our team identifies the optimal combination of 0% APR business credit cards from our network of issuing banks.
3We submit applications to multiple issuers simultaneously using a strategic approach that maximizes total approved credit while minimizing hard inquiries.
4Cards are approved and issued directly to you, typically within 7 to 14 business days, with credit limits assigned by each issuing bank.
5You receive guidance on how to best utilize the 0% introductory period and plan for repayment or balance transfer before the promotional rate expires.

Who Qualifies

Personal credit score of 680 or higher (720+ recommended for maximum approvals)
No recent bankruptcies, foreclosures, or accounts in collections
Valid EIN or business registration (sole proprietorships accepted)
Clean personal credit history with low utilization on existing accounts
No minimum business revenue requirement; startups and pre-revenue businesses welcome

Typical Terms

Total Credit Available	$50,000 - $250,000
Intro APR Period	12 - 21 months at 0%
Post-Promo APR	18% - 26% variable
Annual Fees	$0 - $195 per card
Credit Score Required	680+ (720+ recommended)
Time to Receive Cards	7 - 14 business days

Pros & Cons

Advantages

+Zero interest for 12 to 21 months means truly free capital during the promotional period

+No collateral, no revenue requirements, and soft pull only during initial assessment

+Builds business credit history when cards are used and paid responsibly

+Flexible spending with no restrictions on how funds are used

Considerations

-Requires strong personal credit (680+ minimum, 720+ ideal) for meaningful approval amounts

-Interest rates jump to 18-26% APR after the promotional period ends if balances remain

-Credit limits are determined by issuers and may be lower than requested

-Multiple card applications may result in several hard inquiries on your credit report

Ready to Apply for 0% Interest Business Credit Cards?

Fill out the application below and a funding advisor will reach out within 1 business day.

Application Form

All fields marked * are required. Your information is encrypted and secure.

Business Info

Business Legal Name *

Business Type *

EIN (Employer ID Number) *

Time in Business *

Loan Details

Total Credit Requested *

Intended Use of Funds *

Owner Info

Owner Full Name *

Owner Email *

Owner Phone *

Estimated Personal Credit Score *

Home Address *

Last 4 of SSN *

How did you hear about us?

Document Upload

After submission, your advisor will send a secure upload link for required documents.

Credit Authorization

By checking the box below, I authorize Slate Financial and its designated partners to pull credit reports for the purpose of evaluating this funding application. I understand that:

A soft inquiry will be conducted on my personal credit (this will not impact my personal credit score)
A hard inquiry will be conducted on my business credit (this may be reflected on my business credit report)
These inquiries are used solely to assess eligibility for business funding products
My information will be kept confidential and used only for this application

I authorize Slate Financial to perform a soft pull on my personal credit and a hard pull on my business credit

🔒 256-bit SSL encrypted · Your data is never sold

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Program Highlights

0% APR intro period (12–21 months)

No collateral required

No revenue requirements

Soft pull only

Required Documents

Have these ready to speed up your approval:

📄Driver's license (front & back)

📄Last 3 months personal bank statements

📄Proof of business (EIN letter or articles)

Typical Timeline

7–14 business days

Timeline begins after all required documents are received and verified.

Need Help?

Talk to a funding advisor

📞 (843) 290-8928

0% Interest Business Credit Cards

About 0% Interest Business Credit Cards

How It Works

Who Qualifies

Typical Terms

Pros & Cons

Ready to Apply for 0% Interest Business Credit Cards?

Application Form

Business Info

Loan Details

Owner Info

Credit Authorization

Program Highlights

Required Documents

Typical Timeline

Frequently Asked Questions

Application Form

Business Info

Loan Details

Owner Info

Credit Authorization