Access to capital shouldn’t be the thing that limits your growth—but for most entrepreneurs, it is. Traditional lenders make you prove your worth over and over again, charging high interest while controlling the terms. In this conversation with Patrick Pychynski, you’ll discover a different approach—one focused on positioning yourself as a bankable borrower who can access 0% business funding by design, not by luck.
Instead of chasing money, Patrick breaks down how to build a financial profile that attracts capital, leverage strategic funding systems, and recycle that capital to accelerate growth. The result is a shift from scarcity to control—where funding becomes a tool you deploy with precision, not a barrier you constantly fight to overcome.
Episode Highlights Here:
Brett
Before we jump into this episode, I want to invite you to join our community to help youbecome a better steward scale to billions and ultimately give more or all of it away. All I want
you to do is to click the subscribe button right now. I love your support. It’s incredible to seeyour comments, and we’re just getting started. I can’t wait to go on this journey with you.
Thank you so much for subscribing. It means the world to me. Hello everybody. Welcome to the build to billions podcast where we got successful entrepreneurs and investors on the journey from millions to billions. We believe the key to scaling and compounding your wealth and life starts every single day with a mindset and practice of stewardship over ownership and applying billionaire biblical principles. Our ultimate goal is if you scale and compound your wealth and life, so you give more all the way to help MVPs, the most vulnerable people. My name is Brett Swarts. Every episode, we’re joined by the world’s top entrepreneurs, millionaires, billionaires, to share their secrets insights with us so we can all level up and scale up. I’m excited about our next guest. He is the CEO at stacking capital. He’s empowering businesses to become bankable assets. He’s an expert in 0% business funding and long-term capital strategy. And today we’re going to be talking about that, basically, how to build 0% business funding plans. Please welcome the show with me. Mr. Patrick Pychynski, Patrick, how we doing?
Patrick
I’m doing great. Thanks for having me on. Brett,
Brett
Excellent, for listeners who get to know you for the first time, would you give unjust a little bit more about your story and your current focus?
Patrick
Yeah, absolutely. So, what we do at stacking capital is pretty simple. We help entrepreneurs and investors access 0% interest business capital ranging anywhere between 50
to $250,000 and we’re generally just doing that with their good credit score, excellent.
Brett
I love how succinct that is, and let’s dive right into that. So, what’s the number one secret to unlocking that? Patrick.
Patrick
yeah, so it all starts with one’s personal credit score. Generally, a 700 plus gets the conversation going. But in order to unlock those significant amounts, we’re actually looking at
the credit report itself good.
Brett
Okay, so what do you what do you need or don’t need on that credit report after you least have, let’s say a 700 or 750 Yeah.
Patrick
So, this is one of the great things about 0% business credit, is that it’s startup friendly. Youtypically don’t need collateral. And what we’re looking at is a good credit score, generally, withno derogatories, we’re generally looking for you to have some comparable credit. So if we’relooking to unlock a significant amount on the business side, in terms of revolving lines of credit,we want to see that on the personal credit as well. So generally, some cards that are at leastthree years old with decent limits, so at least $5,000 limits, and and again, they have to be atleast three plus years old. From there, we’re really looking at a clean file, no derogatory and having the utilization at the very minimum under 30% on your revolving on your credit cards, ideally under 10%
Brett
Okay, so those are some key keys, if you will. So, three-year-old credit cards with at least 5000 credit limits, clean file, no derogatory is, you know, good credit score. And then he said, comparable credit. And then the utilization of your overall credit from all your cards, you know, is less than 30% ideally, less than 10%
Patrick
Absolutely, yeah. So that’s again, the very beginning, when we start getting into business credit, we start to a lot of people sometimes get denied, not even with Yeah, a lot of people can get denials, and it could have nothing to do with their personal credit. We’ve seen people with 800 credit scores get denied when they go and apply directly from the banks, and that could be of a couple of reasons, they’re applying for the wrong products in the wrong order. And what we like to do is start with the 0% interest business credit cards, because they are startup friendly, like I said, when done right, we can get approved for a significant amount from each bank, and collectively we end up again, usually it’s with between two to four to six applications per round, where we end up anywhere between 50 to $150,000 altogether.
Brett
Okay, so let’s paint the picture of the perfect 0%, right? So, what I know is it, is it? You know? Isit their cash advances? If so, is their cost? Is it? Is it only 0% on the purchases, right, or balance transfers, and is there fees on that? So, walk us through when you when you mean, let’s just say everyone checks the guy, the person you lock new, checks all the boxes right, has all the 10%less great credit score. So, if you like this little, short clip of the interview I just did click over here to watch the full interview, and please don’t forget to subscribe. Thanks so much everybody.
Watch the episode here:
Important Links:
About Patrick Pychynski
Patrick Pychynski is an entrepreneur, educator, and founder of Stacking Capital, where he teaches business owners and investors how to access and deploy capital more efficiently. His work centers around helping individuals become “bankable” by optimizing their financial profile, leveraging credit strategically, and using systems designed to increase the velocity of money. Through his content and training, he focuses on turning capital into a repeatable tool for growth rather than a limiting factor.
Known for simplifying complex financial concepts, Patrick emphasizes practical frameworks that combine business funding, private lending principles, and cash flow strategy. His approach is especially popular among entrepreneurs looking to scale without relying solely on traditional lending, offering a pathway to unlock 0% interest funding while building long-term financial control and flexibility.
Love the show? Subscribe, rate, review, and share!
- capitalgainstaxsolutions.com
- Capital Gains Tax Solutions Facebook
- Capital Gains Tax Solutions Twitter
- Capital Gains Tax Solutions Tiktok