Fund yournext chapter
0% intro APR business credit to invest in your content, gear and growth.
Checking eligibility doesn't affect your credit score.
Four steps to funded
We do the legwork. You keep creating.
Apply in 3 minutes
Tell us about you and your business. There's no hard credit pull at this stage.
Get your plan
We review your profile and map out which business cards fit you, and the order to apply in.
We guide each application
We help you apply to issuers that work with creator businesses. Every application describes your business accurately.
Get funded, then pay us
Our 10% fee is due only after you're approved. If you're not approved, you owe nothing.
A steady year to go pro
Creator income swings month to month. Your growth shouldn't have to.
With $120K in business credit covering your costs, a slow month doesn't mean cutting shoots or skipping trips. You get 12 months to build without worrying about money.
| Per month | Per year | |
|---|---|---|
| Studio, gear & shoot locations | $2,000 | $24,000 |
| Travel & collabs | $2,500 | $30,000 |
| Wardrobe, styling & beauty | $2,500 | $30,000 |
| Payment reserve* | $2,000 | $24,000 |
| Our fee one-time, after approval | — | $12,000 |
| Total | $9,000 | $120,000 |
How it smooths your income: your cards cover $7,000/month in business costs (studio, locations, travel, collabs, wardrobe and beauty). That means your earnings only need to cover $2,000 toward your balances, so a slow month stays a manageable month.
*The reserve is paid from your own income. Your cards cover your business costs, so your revenue can go toward keeping balances current.
See the numbers
| Month | Earnings | With funding | Without |
|---|
One fee. Only if it works.
10% of the credit you're approved for. Nothing upfront, no subscriptions.
Example only. Approval amounts aren't guaranteed and depend on your credit profile and each issuer's decision. *0% applies during each card's intro period only. After that, the issuer's standard variable APR applies to any remaining balance.
Built for creators
You'll typically be a strong fit if you have:
- Personal credit score of 680 or higher
- No bankruptcies in the last 7 years
- Low credit card utilization
- Steady creator income
- An LLC or sole proprietorship (we can point you in the right direction)
What to know first
Business credit is a tool. Here's how to use it well.
0% is temporary
Intro rates last 12–18 months depending on the card. After that, standard APRs apply, often 20% or more. Plan to pay down balances before the intro period ends.
Applications are credit checks
Each card application results in a hard inquiry, which can temporarily lower your score.
You're personally responsible
Most business cards need a personal guarantee, so you're liable for the balance even if the business isn't.
We're not a lender
{{BRAND}} is a funding consultant. Card issuers make all credit decisions and set all terms.
Good to ask
Do I pay anything upfront?
No. Our only fee is 10% of the total credit you're approved for, due after approval. If you aren't approved, you pay nothing.
Will my creator work get me declined?
Some issuers don't work with adult businesses, so we focus on those that do. We never ask you to misstate your business. Accurate applications protect you.
How much funding can I get?
It depends on your credit profile, income and each issuer's decision. We'll give you a realistic estimate after reviewing your application. We never guarantee amounts.
What happens when the 0% period ends?
Each card's standard variable APR applies to any remaining balance. We'll help you plan a payoff schedule so you're not caught off guard.
Does applying with you hurt my credit?
No. Our eligibility form doesn't pull your credit. Hard inquiries only happen when you apply for a card, and we'll walk you through each one beforehand.
What can I use the funds for?
Business expenses like equipment, studio space, content production, marketing and team. Business cards should be used for business purposes.
See what you qualify for
Takes about 3 minutes. No credit pull.
Prefer to talk first? Book a free call