Fundability

Training Academy

Master the art of credit card funding

Funding Fundamentals

1

What is Credit Card Stacking?

Credit card stacking is the strategic process of helping clients obtain multiple credit cards in a short period to maximize total available credit. This is done by understanding bank rules, timing applications, and targeting the right cards based on the client's credit profile.

Key Concepts:

  • Stack multiple cards within 30-90 days
  • Target $50,000-$250,000+ in total credit limits
  • Use 0% APR intro periods for interest-free capital
  • Convert credit to cash through balance transfers or purchases
2

Why Clients Need Funding

Business owners and entrepreneurs often need quick access to capital for:

  • Starting a new business
  • Inventory purchases
  • Equipment financing
  • Marketing and advertising
  • Cash flow management
  • Real estate investments
  • Emergency business expenses

Credit card funding provides faster approval than traditional loans with no collateral required.

3

How You Make Money

As a funding specialist, you earn through:

Service Fees:

  • Charge $500-$2,000 for credit analysis
  • 5-10% of total funding obtained
  • Monthly retainer for ongoing optimization

Example: Client gets $100,000 in credit limits

  • Your fee: $5,000-$10,000
  • Time investment: 2-4 hours

Scaling: Handle 10 clients/month = $50,000-$100,000+ monthly revenue

Quick Reference: Bank Rules Cheat Sheet

Chase
5/24, 2/30
Amex
2/90, 1/5
Capital One
1/6, 2 max
Citi
6/6, 1/8, 2/65