Below are the qualifications for the Credit Line Hybrid Program.

Benefits of our Credit Line Hybrid Program:

  • Pre-Qualification within 24 Hours

  • 0% Interest Rate for 6 to 18 months

  • Up to $150,000 in Credit Cards

How to Qualify for Credit Line Hybrid Funding:

  • Personal credit score on all 3 bureaus 680+

  • Under 40% utilization on each revolving accounts

  • No more than 4 bank inquiries per bureau in the last 12 months (Does not include secured inquiries like Auto loans and Mortgages)

  • No more than 3 unsecured accounts opened in past 12 months(Does not include secured inquiries like Auto loans and Mortgages)

  • No bankruptcies at all

  • No open(unpaid) collections or judgments

  • No late payments in 2 years, no charged off accounts

  • Seasoned major bank card trade lines $5,000 limit +. Must have a minimum of 2 open revolving accounts with $5k+ limit, with at least 2 years of history or more.

Terms of the Credit Line Hybrid:

  • 0% interest for 6 to 18 months

  • Interest rates vary with each credit line

Cost of the Credit Line Hybrid:

9.9% success rate fee once funding is complete

***If you have a Credit Freeze or Fraud Alert on your credit profile that will need to be removed for review.

Alternative way to qualify for Credit Line Hybrid:

If you do not have the qualifications above, you can also obtain business credit cards using a credit partner who meets the criteria for the Credit Line Hybrid Funding program. A credit partner is most frequently a business partner, relative or friend, this is someone who temporarily assists you by guaranteeing your lines of credit until you can increase your credit rating to personally guarantee.