Secure $50K - $250K in Business Credit at 0% Interest—Without the Red Tape!
Watch this short video to see how it works, then apply for funding.
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About Us
FiFIN LLC is a trusted funding partner dedicated to helping real estate investors and entrepreneurs access the capital they need—quickly, efficiently, and strategically. We specialize in business credit solutions that provide $50,000 to $250,000 in funding at 0% interest, empowering investors to scale without the burdens of high-interest loans or excessive documentation.
Our expertise lies in business credit card stacking, a proven strategy that leverages strong personal credit to secure multiple high-limit business credit lines while protecting personal credit scores. Through direct relationships with banks and a precise sequencing method, we maximize funding approvals while minimizing credit inquiries. This allows real estate investors to fund property acquisitions, renovations, and expansions without financial roadblocks.
What sets us apart is not just our process but our commitment to transparency and efficiency. We streamline the funding experience, requiring only a properly structured LLC and a 700+ credit score to get started. Whether you’re a seasoned investor or just starting, FiFIN LLC provides the financial tools to help you move forward confidently.
At FiFIN, we don’t just secure funding—we build lasting partnerships, ensuring our clients have the financial flexibility to seize opportunities as they arise.
What You Can Do with Business Credit?
Whether you’re a franchise owner, ecommerce entrepreneur, home service provider, owner-operator trucker, or an investor in fix and flip or BRRRR properties, business credit can give you the flexibility and power to grow your business without the financial strain. Here’s how:
Fund a New Business or Scale an Existing One:
• Cash flow is the lifeblood of your business—business credit cards with 0% interest provide maximum flexibility to keep your operations running smoothly.
• Invest in growth—whether it’s buying inventory, equipment, technology, marketing, travel, or machinery, business credit lets you scale without draining your savings.
The Mistake of Using Personal Credit Cards for Business Funding:
• Ruins your personal credit: Using personal cards for business can wreck your credit score.
• High interest rates: Personal cards often have sky-high APRs.
• Unable to get new cards: With high balances, you’ll struggle to open new accounts.
• Limited loan options: Checking the “business” box on a personal loan application? Automatic denial.
• Sky-high APR: No 0% introductory offers, and the interest can hit fast.
• Large minimum payments: Personal credit cards typically come with higher minimum payments, draining cash flow.
• No asset protection: Personal credit cards offer zero protection for business assets.
• Tax liability: Mixing personal and business funds complicates your tax situation.
Why Business Credit is the Smarter Way to Fund Your Business:
• 0% interest for 12-60 months (through balance transfers): Pay no interest on your funding for an extended period, giving you time to use the capital to grow.
• Extremely low minimum monthly payments: Keep your cash flow healthy with low monthly obligations.
• Cash withdrawal: Pull cash from your credit line to invest in your business needs.
• Higher credit limits: Business credit cards typically offer higher limits, giving you more access to funding.
• Purchase protection: Get built-in protection for business purchases.
• Points and cash-back benefits: Reap rewards from your spending that you can reinvest into your business.
Debt Consolidation:
• Pull the cash out of your 0% business credit card to pay off personal credit balances—it’s a smart way to clean up debt while avoiding high-interest payments.
Investment Opportunities:
• Business credit allows you to take on bigger investment risks without risking your personal liquidity. With the 0% interest period and extended repayment options, you can:
• Invest in Amazon automation for a potential ROI in less than 12 months.
• Flip houses or BRRRR properties with funding for fix and flips—get an ROI in under a year.
• Launch a live event or promotion to boost sales.
• Stock up on product inventory for peak selling seasons without worrying about high-interest debt.
With business credit, you can fund, scale, and grow your business with zero interest, all while keeping your personal finances intact. Ready to use it to your advantage?
How to Structure Your Business the Way Banks Want It!
Most business owners set up their company based on what’s easy—not based on what banks actually want to see. If you’re serious about getting funding, your business needs to be structured correctly from day one.
Here’s how to set up your business the right way so banks see you as a legitimate, fundable company:
📞 Business Phone Number
✅ Get a 1-800 Number (Not a personal cell phone)
👉 Use: Kall8.com (https://www.kall8.com/)
Why? Banks view toll-free numbers as a sign of an established business.
📧 Business Email
✅ Use a professional email domain (No @gmail, @yahoo, etc.)
👉 Get one at: GoDaddy.com (https://www.godaddy.com/)
Why? Free emails look unprofessional and can raise red flags.
🏢 Business Address
✅ Get a virtual business address (No PO Boxes or home addresses)
👉 Use: Regus.com (https://www.regus.com/)
Why? Banks want to see a real business location, not a residential or P.O. Box.
🌐 Website
✅ Have a professional website
👉 Use: Wix.com (https://www.wix.com/) or hire a designer on Fiverr.com (https://www.fiverr.com/)
Why? Banks often check your website to confirm legitimacy—make sure it’s polished.
🏛️ LLC Formation
✅ File for an LLC
👉 Go to: Your Secretary of State website
Pro Tip: Choose a general business name (avoid “high-risk” industries like credit repair, real estate investing, or finance).
🔢 EIN Number
✅ Get a free EIN
👉 Apply at: IRS.gov (https://www.irs.gov/)
Why? This is your business’s tax ID—you’ll need it for banking and funding.
🏦 Business Banking
✅ Open multiple accounts at different banks
What to do:
🔹 Open 3-4 bank accounts (business & personal).
🔹 Use multiple products at each bank (checking, savings, credit cards).
🔹 Deposit at least $50 in each account to show banking activity.
Why? Strong banking relationships lead to higher funding approvals.
💳 Merchant Account
✅ Get a payment processor (Stripe, Square, or HoneyBook)
👉 Use: Stripe.com, (https://www.stripe.com/) Square.com, (https://squareup.com/) or HoneyBook.com (https://www.honeybook.com/)
Why? Some merchant accounts offer lines of credit when you process high revenue.
💡 Why This Matters
If your business isn’t structured correctly, banks may see it as too risky for funding.
By setting up your company the way banks want it, you increase your chances of getting approved for:
✅ High-limit business credit
✅ Low-interest loans
✅ Larger lines of credit
The small details matter. Set up your business like a pro, and funding becomes much easier.
Are you structured the right way?
Our Other Services
Shelf Corporations
• Aged shelf corporations available from 2 to 20 years.
Primary Tradelines
• Revolving Credit Card – $15,000 limit, reports to Experian & Equifax.
• Installment Term Loans – Ranges from $10K to $350K, reports to Experian & Equifax.
• Auto Loan Primary Tradeline – $50K, backdated 2-5 years, reports to Equifax.
• Rent Reporting Tradelines
• $5K line with 4 years of history.
• $7K line with 6 years of history.
• Alternative Loans
• $20K line
• $30K line
• $50K line
• $100K line
The Steps To Business Credit Building & Establishment
Before you start, make sure to follow all the steps to business credit building and establishing.
There is more to having strong business credit than paying
on time.
Incorporate your business: To build credit your business must be a legal entity.
- Set up your EIN and DUNs numbers.
- Open a business/merchant account.
- Establish a location/address and toll-free number for your business.
- Start a website and develop your online presence.
- Have a business email address rather than a generic free email.
- List Yourself in the 411 Directory
How To Check Your Business Credit Score
- Nav.com is a website used to determine your business score and also has great information regarding business credit, business financing and much more.
- The free version shows you a grade letter
- The paid version (image to your right) allows you to see a number score rather than a grade.
• Also the paid version now allows one tradeline to be added to your business credit.
• The paid version also allows you to add 5 business under one Nav profile which is neat.
• ***An example of my business credit scores are located to your right***
• Could take 2-6 months to generate your score
BUILD BUSINESS CREDIT FAST: STEP BY STEP GUIDE TO A SOLID BUSINESS CREDIT FOUNDATION
THIS ENTIRE PROCESS CAN BE DONE IN 60-90 DAYS
1. Come up with your Business Name
2. Where will your business be located - this will be your home address, commercial address or use a virtual address.
3. Apply for your LLC
https://bit.ly/applyforiic
www.incfile.com
4. Apply for your EIN - its free www.irs.gov
5. Apply for your DUNS number- its free
https://www.dnb.com/duns-number/get-a-duns.html
6. Make a business logo
http://www.fiverr.com/s2/fa63eb1b4b
7. Get a business telephone number Local and Toll Free
8. Register your business number with 411
www.listyourselt.net
9. Get your business a simple 1 page website, unless you need something with more pages. https://bit.ly/3k2bdkp
10. Create a business email- something professional yourname@yourdomain.com
https://bit.ly/3k2bdkp
11. Find your Naics - Sic Code (you need this when opening bank account)
https://www.naics.com
12. Open a Business Bank Account
www.nfcu.org/join
your local hometown bank would be good to join as well
13. Freeze your Personal Credit
https://www.consumer.ftc.govl./tree-credit-freezes-are…
14. Make Social Media accounts for your Business - Facebook, Twitter, Instagram etc etc https://www.facebook.com/pages/create/
15. Add your Business to Yelp https://business.yaip.com
16. Establish Business presence with Google.
https://www.google.com/business/
17. Add your Business to Bing https://www.bingplaces.com
18. Get Domain name and Website Hosting
Get 5-10 Tier 1 Accounts
1. Quil www.quiil.com
2. Grainger www.grainger.com
3. Uline www.uline.com
4. Supplyworks Home Depot Pro www.supplyworks.com
5. Sunbelt Rentals. www.sunbeitrentals.com
6. Crown Office Supplies https://bit.ly/3hgb5K
7. Summa Office Supplies https:/bit.ly/2UOSgH7
8. Strategic Network Solutions https://biLly(363a3Nh
9. Wise Business Plans www.wisebusinessplans.com
10.Business Tshirt Club https://bit.ly/3qlBqwt
11. Nav https://www.nav.com
12. Ceo Creative https://theceocreative.com/net-30-tradelines/#NET30NOW
13. Creative Analytics https://bit.ly/3qtsaFv
14. Pitney Bowes https:/bit.ly/2T22Amn
15. Msc Direct www.mscdirect.com
16. Shirtsy https://bit.ly/3wbftAs
17. Pilot Aude Fuel Card
18. https://pilotfiyingj.com/axde-fuel-card/
17. BP Business Solutions Fuel Card www.bpbusinesssolutions.com
18. US Plastics www.usplastcs.com
19. AtoB Fuel card www.atob.us
20. Circle K Fuel Card https:/www.circlekfleetcards.com
21. Ohana Office Products. https://bit.ly/3h7Mugh
22. Credit Strong 10K Business Loan htfp://tracking.creditstrong.com/SH7z
Get 5-10 Tier 2 Accounts
1. Honda power equipment
2. Caterpilar
3. Newegg. www.newegg.com
4. Hertz Rent a Car https://bit.ly/3h7Mzgh
5. Enterprise Rent a Car
6. Lowes Account Receivables
7. Winn Dode Grocery
8. Amazon Not 55 www.amazon.com/creditine
9. Best Buy Business Advantage
10. Dell Business credit
11. B and H Photos
FIFIN LLC FAQs
1. What does FiFIN LLC do?
FiFIN LLC specializes in funding solutions for real estate investors. We help clients secure business credit through credit card stacking, leveraging their personal credit as a personal guarantor (PG).
2. Who qualifies for funding through FiFIN?
To qualify, you typically need:
• A credit score of 680+
• An LLC or business entity
• No recent negative items on your credit report
• A business bank account
• Willingness to pay a 10% success fee for services
3. How much funding can I get?
Funding amounts vary based on your personal credit profile, but we typically secure between $50,000 and $250,000 through our business credit stacking strategy.
4. How long does the funding process take?
The process usually takes 2-4 weeks, depending on your credit profile and how quickly you provide the required information.
5. Does FiFIN LLC require collateral?
No, our funding strategy does not require collateral. We use unsecured business credit lines based on your personal creditworthiness.
6. Will this affect my personal credit?
We leverage your personal credit to obtain business credit, but the accounts are under your business EIN. This minimizes the impact on your personal credit as long as payments are made on time.
7. What industries do you work with?
Our primary focus is real estate investors, but we also assist entrepreneurs and business owners in various industries who meet our funding criteria.
8. Do you offer shelf corporations or tradelines?
Yes, we provide aged shelf corporations and primary tradelines to help build business credit. Contact us for details on availability and pricing.
9. How do I get started?
Simply fill out our pre-qualification form on our website. If you meet the criteria, we’ll schedule a call to discuss your funding options.
10. What fees do you charge?
We charge a 10% success fee on the funding amount we secure for you. There are no upfront fees, and you only pay once you receive funding.
Don't believe us, believe them
FiFIN made the funding process seamless. I needed capital to scale trucking company investments, and within weeks, I had access to the credit I needed. Their team was transparent, professional, and delivered exactly what they promised!
Michael R.
REI
I struggled to get the funding I needed through traditional banks, but FiFIN provided a solution that worked. The process was smooth, and their expertise in business credit stacking helped me secure the capital I needed to my e-commerce store. Their the real deal!
Jessica L.
Property Developer
FiFIN not only helped me secure funding, but they also educated me on leveraging business credit effectively. Their team genuinely cares about their clients’ success, and I highly recommend them to any real estate investor looking for funding solutions!
David S.
Commercial REI
FiFIN LLC
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