Fueling Growth,
Empowering Businesses.

Unlock 6-figure business funding at 0% APR

STEP 1

Fill Out a Questionnaire

Let us know about your business and what you need. This takes about 3 minutes.

STEP 2

Free Consultation Call

Our team will let you know how to get your business and credit profile funding-ready.

STEP 3

Get Funded Fast

No need to wait around for weeks or months in underwriting. Get your first approval as early as the same week.

Our Process

Smart funding sequences. Higher approvals,

Profile Analysis

We review your business for anything that could lead to denials, or smaller limits.

A solid credit profile is key.

We’ll guide you step-by-step to make sure you qualify for maximum funding.

Sequence Creation

We create a funding sequence based on your profile.

Applying in the right order avoids damaging your personal credit, and leads to higher approvals.

Personalized Applications

We apply through our network of banks to secure multiple credit lines at 0% APR for 9-18 months with bonuses and reusable limits.

You get funding quickly for whatever helps your business grow—all with no need to show financials, and no minimum time in business.

Know what lenders see

before you apply.

For just $1, get full access to your FICO 8 credit scores from all three bureaus — the same report used in 90% of lending decisions.
Spot errors, take control, and start improving your score today.

Frequently Asked Questions

HOW LONG DOES IT TAKE TO RECEIVE FUNDING?

Once we receive all required info, you’ll typically receive a pre-qualification decision within 1–2 business days. From there, your first round of approvals can be available in as little as 3–5 business days.

WHAT DOCUMENTS WILL I NEED?

You’ll need a government-issued ID and your company’s SS4 form. We base pre-qualification on your FICO 8 credit report, which we can help you access with no impact to your score.

HOW MUCH FUNDING CAN I GET?

Most clients receive between $50,000 and $150,000 in funding, depending on their credit profile. In some cases, strong credit files can exceed $200,000. Results are based primarily on personal credit history and your current credit limits/products.

WHAT ARE THE TERMS?

We source unsecured business credit with 9–18 months of 0% interest. These are revolving lines that can be used like cash if needed. After the intro period, rates become variable and are set by each individual issuer.

HOW DOES THIS AFFECT MY CREDIT?

In the short term, your credit score will dip slightly, due to multiple inquiries. However, the funding products we use do not report to your personal credit, so they won’t impact your utilization or debt-to-income ratio.

HOW IS MY ELIGIBILITY DETERMINED?

We assess several factors, including your credit score, personal credit limits, current utilization, and business industry. These help us determine both your eligibility and the banks most likely to approve you for high-limit funding.

A personal credit check is required for approvals, but the funding does not report to your personal credit. We do not currently offer non-PG or cashflow-only options.

HOW DO YOU MAKE MONEY?

We only invoice after you’ve received funding, and our fee is based on the amount secured. That way, our goals are aligned — you don’t pay anything until you’re funded. Clients typically use a small portion of their funding to cover our fee, though payment method is entirely up to you.

Copyright © Motor City Business Capital. All rights reserved.

Completing and submitting your application will not affect your credit score. However, depending on the funding option you choose, a hard credit inquiry may be required to move forward with an offer.

Motor City Business Capital is not a direct lender.