"Come Back in 2 Years"
Banks and SBA lenders want tax returns, seasoned bank statements, and time in business. You've been open 4 months. There's nothing in the file for an underwriter to say yes to.
Launch Line
Business Credit Now.
Not in Year 1+.
Your First Line of Business Credit. Starter business credit for startups and unseasoned businesses
- No revenue history required
- 0% for up to 24 months
- Reports to business credit bureaus
- Exit plan included
Banks want 2 years of tax returns and 6 months of bank statements. You don't have them yet. Launch Line is underwritten on the owner's personal credit instead—so you can launch, build a business credit profile, and move to conventional financing once you have history to show. Subject to lender approval. Terms vary.
No charge | No obligation | No sales pressure
4-Rung Ladder toReal Business Credit
Where Launch Line fits, and where it hands off
- ★Rung 4 — FundedSBA 7(a), LOC, term loan
- Rung 3 — Seasoned6–12 mo revenue + business credit file
- Rung 2 — DeployPayments report to business bureaus
- Rung 1 — Launch Line680+ score → $25K–$150K credit line
You start on Rung 1. We don't leave you there.
Illustrative. Milestones vary by business. All financing is subject to lender approval. Terms vary.
Launch Line is starter business credit. Not a magic bullet—a proven first rung for businesses that don't have one yet.
The Problem
The Rejection Isn't About You. It's About the File.
Conventional lenders underwrite history. A business with no history has nothing to underwrite. That's the whole story—and it traps new owners in a loop.
The Business Credit Catch-22
You have no PAYDEX (your payment performance index across vendors), no trade lines, no business credit file at all. You can't build that profile without credit. And you can't get credit without the profile.
So You Fund It Yourself
Savings, a home equity draw, a check from family. Resources that should have been working as collateral get spent instead—and the runway you needed in month 8 is gone by month 3.
The Solution
Business Credit Before the Revenue
Launch Line flips the underwriting question. Instead of asking what your business has done, it asks what the owner's credit says. Strong personal credit can open business credit accounts—many structured at 0% introductory rates—before the business has a single financial statement to show.
No Track Record Needed
Approves before the business has financials or operating history. The idea doesn't have to be proven yet.
An Interest-Free Window
Structured around 0% introductory-rate accounts—up to 24 months interest-free to launch with. Subject to lender approval. Terms vary.
It Builds Your Business File
Payment activity reports to the major business credit bureaus—Dun & Bradstreet, Experian Business, and Equifax Business. Every on-time payment builds the profile conventional lenders pull later.
How It Works
From Credit Score to Launch Credit
Four steps. The first one decides everything.
-
Confirm the 680+ Score
The conversation starts and ends with the owner's personal credit score. 680+ is the threshold this product is built around. Below that, it isn't the right fit—and we'll say so instead of wasting your time.
First question on the call: what does your personal credit score sit at right now? Lenders typically pull two bureaus and go with the lower score or the average, so we look at the whole picture, not just your best number. -
Open the 0% Introductory Accounts
Strong personal credit can qualify the owner for multiple business credit accounts carrying 0% interest for up to 24 months. Accounts are opened together so the credit lands as one pool.
Typically $25,000 to $150,000 approved. Subject to lender approval. Terms vary. -
Deploy the Credit
Funds are available as soon as accounts are open and active. The business has usable business credit with no revenue history required.
Draw as needed—inventory, marketing, payroll, equipment, early hires. -
Pay It Down Before the Window Closes
The whole strategy is using the interest-free window to launch, generate revenue, and pay the balances down before the promotional rate expires.
A business that launches in month 1 and pays down by month 12 may pay zero interest over the life of the promotional period.
What Makes This Different
Rung 1 Is Where You Start. Not Where You Stay.
Most brokers open the accounts, collect the referral fee, and disappear. That's how founders end up carrying a 20%+ balance they never planned for. We work the other end of the timeline.
1. We Watch the Clock
We track your promotional end dates and your business credit profile from the day the accounts open. You'll know exactly how much runway is left, because that date is the whole ballgame.
2. We Move You Before It Expires
Before the promotional period ends—or 3 to 6 months after your business credit score reaches lender threshold, whichever comes first—we work to transition you onto a standard business line of credit, term loan, or other conventional facility. Subject to lender approval. Terms vary.
3. Your Payment Record Does the Work
These accounts report to Dun & Bradstreet, Experian Business, and Equifax Business. Twelve months of clean payment history builds the business credit profile conventional lenders underwrite. That's the asset you're really building.
Why It Matters
What Becomes Possible When You Already Have Business Credit
Most founders don't fail because the idea was wrong. They fail because they ran the first year underfunded—saying no to things they should have said yes to, moving at the speed their bank balance allowed instead of the speed the opportunity demanded.
Business credit in place changes what you're able to say yes to. Here's what that actually looks like on a Tuesday.
You Negotiate Like a Cash Buyer
Suppliers price you differently when you can commit to volume and pay on terms. Bulk discounts, better allocation, first call when inventory is tight. The founder with business credit gets a different price list than the founder without it—for the exact same order.
You Hire Before You're Desperate
Waiting until you're drowning means hiring whoever is available that week. With business credit in place you hire the person you actually want, on your timeline, and you get them trained before the busy season instead of during it.
You Market While Competitors Wait
Ad spend compounds. The business that starts testing in month 1 knows what works by month 6. The one waiting on revenue to fund marketing is still guessing a year later—and paying more for the same customer.
You Keep 100% of Your Company
The other way a pre-revenue business raises six figures is by selling equity—a permanent slice plus someone else's opinion on how you run things. This is debt you repay and walk away from. You own everything you build on top of it.
You Stop Funding It Out of Your Own Pocket
No more draining savings, tapping home equity, or asking family for a check that changes Thanksgiving. Your personal reserves stay where they belong—as your safety net, not the company's working capital.
You Pay on Your Schedule, Not Theirs
This is the part founders underrate. A charge card like American Express demands payment in full every month. These accounts revolve—you carry a balance and pay it down when the cash actually arrives. One slow month doesn't become a crisis.
You Move on Deadlines That Don't Wait
Equipment at auction. A lease on the right corner. A competitor's customer list. The container that has to be booked this week. Opportunities have expiration dates, and "I'm waiting on funding" is how founders watch them pass.
You Build the File While You Spend
Every on-time payment reports to Dun & Bradstreet, Experian Business, or Equifax Business—each bank uses its own. Because several accounts open at once, you build a file across multiple bureaus simultaneously. The business credit does two jobs: it funds the launch, and it builds the profile that qualifies you for conventional financing next year. Nothing else at this stage does both.
One thing to know up front: the wholesale lender charges a one-time startup fee of 10% of the approved amount. You never write a check—it's deducted from the approved credit automatically at funding, so a $100,000 approval nets you $90,000 in usable business credit. It's separate from interest, it's disclosed in writing before anything is opened, and LendCraft Capital Advisors LLC charges you nothing for the advisory. Approved amounts and terms are subject to lender approval and vary by applicant.
The Details
What Launch Line Gives You—and How You Manage It
The terms, stated plainly, and the four things that keep it running smoothly once you're funded.
What It Gives You
- $25,000 to $150,000Approved across multiple business credit accounts, opened together. Subject to lender approval. Terms vary.
- 0% for up to 24 monthsNo interest for the length of the promotional window. Subject to lender approval. Terms vary.
- Revolving credit, interest-only payments OKCarry a balance and make interest-only payments while you wait for revenue to arrive. No pay-in-full-every-month requirement.
- Builds your business credit scorePayment activity reports to Dun & Bradstreet, Experian Business, and Equifax Business. Each bank reports to its own preferred bureau or combination of them, so a multi-account approval builds your file in more than one place at once—which is what qualifies you for higher credit lines when you're ready.
- Approval in 1 to 3 daysCredit is usable as soon as the accounts are approved and activated.
- No bank statements, tax returns, or financialsApproval runs on personal credit, not on documents a new business doesn't have yet.
How You Manage It
- 1. Bring a 680+ FICO scoreThat's the number this product is built around. Lenders typically pull two bureaus and use the lower of the two scores or the average—so the score that counts may not be the highest one you see on your app. We check this first because it decides fit.
- 2. Have a registered business entityAn LLC, S-Corp, or C-Corp registered with your state. No minimum time in business—a day-old entity can qualify.
- 3. Make payments early when you canEarly payments build the business credit profile faster and keep your utilization down, which protects your personal score.
- 4. Keep an eye on the promo windowKnow your end date. LendCraft Capital Advisors LLC tracks it for you and starts the transition to conventional financing before it arrives.
Quick Facts
- Amount
- Up to $150,000
- Rate
- 0% up to 24 months
- FICO
- 680+ required
- Score used
- Lower or average of 2 bureaus
- Time in business
- None required
- Revenue
- None required
- Bank statements
- Not required
- Approval time
- 1–3 days
- Credit report
- Within 7 days · unfrozen
All financing is subject to lender approval. Terms and availability vary.
What You Send Us
- A signed application
- A recent credit report — pulled within the last 7 days
- An unfrozen credit file — we can't pull it if it's locked
That's it. No bank statements. No tax returns. No financials.
Who You're Talking To
I've Sat on Both Sides of the Capital Table
I'm Sal Benti. I spent 30+ years in technology, space, fintech, and telecoms. I raised more than $50 million as an operator and a borrower, scaled one company to $240 million in revenue, and took another to a $2 billion market cap.
I know what an underwriter is looking for because I've been the one asking for business credit. LendCraft Capital Advisors LLC exists to put that lens on your file before a lender ever sees it—and to tell you the truth about which product fits, including when the answer is "not this one."
- 30+Years as an operator
- $50M+Raised as a borrower
- $0Charged for advisory
Proof
What This Looks Like in Practice
"We'd been open 5 months. Every bank wanted 2 years of returns I didn't have. We opened accounts at 0% and put it straight into inventory and ads. By month 11 we were paying it down out of revenue instead of savings, and my business credit file finally existed. The transition conversation started before I even thought to ask about it."
Representative example for illustration. Not a guarantee of results, approval, or terms. All financing is subject to lender approval. Terms and availability vary.
"I opened my insurance agency 3 months ago. LendCraft advised me on the proper setup to prepare for business funding. I'd already run up over $13,000 on my Amex before LendCraft helped me secure $50,000 in business credit. Now I'm building my agency's credit profile to qualify for standard business loans when I'm ready."
Actual client experience, shared with permission. Individual results vary by applicant and lender. Not a guarantee of approval or terms. All financing is subject to lender approval. Terms and availability vary.
Objections
The Questions Founders Actually Ask
I can apply for a 0% card on my own and pay no fee.
You can. And if you need one card and aren't trying to build a business credit file, do that.
The difference is what you're left holding 12 months later. On your own you get one account, opened alone, and you have no control over which bureaus it reports to. Many cards available to a new business owner report only to the consumer bureaus, which moves your personal FICO and does nothing for your business credit profile.
Launch Line opens several accounts at once through banks selected because they report to business credit bureaus—Dun & Bradstreet, Experian Business, or Equifax Business, depending on the bank. Because each bank uses its own, a multi-account approval builds your file across more than one bureau at the same time. One card can't do that no matter how well you pay it.
So the real comparison is one card and a slightly better personal score, against a funded launch and a business credit file a conventional lender can underwrite next year.
How is this different from an American Express card?
A charge card typically has to be paid in full every month. That's fine when cash flow is steady and brutal when it isn't—one slow month and you're covering the whole balance out of pocket. These accounts revolve. You carry a balance and pay it down on your own schedule during the 0% window, which is what makes it usable for a business whose revenue hasn't stabilized yet.
I don't want this on my personal credit.
Understood—and it's temporary. Used responsibly during the 0% window and paid down on time, these accounts build your business credit file as you go. For a brand-new business with no revenue history, it's often the only door that's actually open. If the personal exposure isn't something you're willing to carry, say so on the call and we'll look at what else fits.
What if my business doesn't take off?
That's why we look at your cash flow projections first. If the business can't realistically service the debt inside the promotional window, we'll tell you this is the wrong tool. This product is for founders with a clear plan to generate revenue—not for taking the credit and sitting on it.
The rate after the promotional period scares me.
It should. That's exactly why the strategy is to use the 0% window, generate revenue, and pay the balances down before it ends. We track the end date with you and work to move you to conventional financing before it arrives. Nobody here benefits from you sitting in high-interest debt.
Can't I just get a business loan instead?
Not yet. Lenders generally want 6 to 12 months of business revenue history before they'll underwrite a term loan or a standard line of credit. Launch Line is what gets you there. Six months from now, with revenue and a reporting payment history behind you, that conversation looks completely different.
What credit score do I need?
680 or better on the owner's personal credit. That's the threshold this product is built around. Below it, we'll be straight with you and point you toward building the profile first rather than sending you into a decline.
One thing worth knowing before you apply: lenders typically pull two bureaus and use the lower of the two scores, or the average. Scores often differ by 20 to 40 points between bureaus, so if you're sitting at 700 on one and 660 on another, plan around the lower number. If you're close to the line, we'll tell you what to clean up first instead of burning an application.
Next Step
Two Ways Forward. Pick the One That Fits.
Some founders want to talk it through first. Some already know and want to move. Either door works—and neither one costs you anything.
Path A — Talk First
Book a Call With a Business Credit Advisor
- 30 minutes, by phone or video
- We review your credit position, funding need, and revenue plan
- You get a straight answer on whether Launch Line fits
- If it's the wrong tool, we tell you on the call
- We map the transition to conventional financing before you commit
No charge. No obligation. No sales pressure.
Path B — Move Now
Start Your Application
- For founders who already know this is the right fit
- Takes about 10 minutes to complete
- Submitting does not apply for credit on its own
- An advisor reviews it and follows up within 1 business day
- You'll see the fee and terms in writing before anything is opened
All financing is subject to lender approval. Terms vary.
Start My ApplicationLaunch Line Application
Takes about 10 minutes. Submitting does not apply for credit on its own.
Prefer email? Reach us at [email protected]
Commercial loan referral and advisory for serious business operators and commercial real estate investors.
CONTACT
LendCraft Capital Advisors LLC provides complimentary capital advisory consultations as part of its commercial loan referral services. LendCraft is not a lender, credit counselor, or credit repair organization. Advisory services are provided at no charge. Compensation is received exclusively through referral arrangements with licensed lending partners. All financing is subject to lender approval. Terms, conditions, and availability may vary.