Gap Funded Tool Kit
The tools and processes we point clients to, in the order they usually come into play, from forming your entity to stacking 0% cards to keeping your credit clean while you scale.
LLC Formation
Your LLC separates your personal and business credit and gives you a legal entity lenders and card issuers can underwrite. Doola handles formation, EIN, registered agent, and compliance in one place, built for exactly this kind of business credit strategy.
DUNS Number
Once your LLC exists, you need a business credit file. Start with a free DUNS number through Dun and Bradstreet. This is what most vendors and card issuers check before extending credit.
Experian Business Profile
Set up your Experian Business profile so you can monitor your business credit score as it builds. Check it monthly. Business credit moves fast in both directions, and catching a problem early is a lot easier than fixing one after it tanks your approval odds.
Paying Invoices with Credit Cards
Once you have cards in the business name, Plastiq lets you pay vendors, contractors, and invoices with a credit card, even when they don't accept cards directly. That means you can hit minimum spend, earn rewards, and free up cash flow, all while paying bills you'd be paying anyway.
Liquidating Credit Into Cash
Sometimes you need actual cash, not just spending power. Kashu lets you turn available credit into cash in your account, so you're not stuck only using cards at places that accept them.
Card Management
Once you're running multiple cards across multiple issuers, tracking due dates, balances, and 0% windows manually gets risky. CardStack Money gives you one dashboard to manage all your business cards, so nothing slips through the cracks.
Credit Repair
Business credit stacking only works if your credit stays healthy. If anything needs cleaning up, whether it's old collections, errors, or reporting issues, ASAP Credit Repair is our partner for getting it fixed.
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Real Estate Financing [Hard Money & DSCR]
Once your entity and credit files are in place, Kiavi offers fix and flip and rental loans for real estate investors, with terms built around the deal rather than just your personal credit. Borrowers referred through Gap Funded also receive $350 off their first qualified loan.
Limit Increases After Maxing and Paying Down
When you max out a 0% card and pay it down in full, don't just sit on that limit. Call and request an increase. Many issuers will grant one once you've shown you can use and repay credit responsibly.
The general rule is you can request an increase every 3 to 6 months per card, though this varies by issuer. The key is timing it so you're maximizing available credit before your 0% window runs out, not scrambling once interest kicks in.
Consistently increasing your personal and business limits means a bigger new stack of 0% credit is ready by the time your current 0% APR intro period expires.