Author

Patrick Pychynski

Business funding advisor specializing in capital stack architecture for small businesses. Creator of the Bankable Blueprint — the proprietary 12-step process that helps business owners secure $100K+ in funding at 0% interest.

Patrick Pychynski, founder of Stacking Capital

Founder & Capital Architect — Stacking Capital

Creator of the Bankable BlueprintU.S. Marine Corps — Forward Observer / 0861, 4th ANGLICOBased in West Palm Beach, FL

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Background

Professional
bio.

Patrick Pychynski is the founder of Stacking Capital, a business funding advisory firm specializing in capital stack architecture for small businesses. Patrick developed the Bankable Blueprint — a proprietary 12-step capital architecture process that helps business owners secure $100K+ in funding at 0% interest.

A U.S. Marine Corps veteran (Forward Observer / 0861, 4th Air Naval Gunfire Liaison Company — ANGLICO), Patrick brings military-grade discipline and strategic precision to business financing. His approach treats capital acquisition as an engineering problem, not a sales pitch.

Specialization

Areas of
expertise.

0% Interest Business Credit Card StackingSBA Loan Products & Application OptimizationBusiness Credit Building (PAYDEX, Intelliscore, SBSS)Capital Stack Architecture & SequencingCredit Reporting Impact AnalysisBusiness Entity Formation for FundingLender ComplianceBusiness Credit ScoresBusiness TradelinesFinancials in OrderPersonal vs. Business Bureau ReportingCredit Repair & Score Optimization

The Four Pillars of Becoming Bankable

  • Lender Compliance
  • Business Credit Scores
  • Business Tradelines
  • Financials in Order

Published work

Guides and deep dives.

Written one subject at a time, each on what an underwriter is actually reading.

  1. U.S. Bank Business Essentials Visa: The Complete 2026 Guide for Stackers19 min
  2. SBA's New Rulebook: An Owner Playbook for the Term-Out After 0%22 min
  3. Contractor Business Credit and Capital Stack Guide (2026)19 min
  4. Andrew's $524,500 in Under Four Months: Two Rounds, Eight Products, One Established Business20 min
  5. Why Round 1 Is Same-Day, and Why It Waits Until Month 319 min
  6. Amex Blue Business Plus: Complete 2026 Guide19 min
  7. The 0% Exit Plan: What to Do Before Your Intro Window Ends25 min
  8. September Jobs Report: +29,000, Downward Revisions, and What Prime at 7.00% Costs Established Owners54 min
All guides
Next

One advisor,
one written plan.

The guides are the method written down. The engagement is the method run on your file.

A call is a reading of the profile the way a bank reads it, and what has to be cleared before it is bankable. Nothing is filed and no application is sent on the call.

Book a Bankable Blueprint Call →
1:1 Advisory  ·  $100K Minimum, in Writing  ·  Flat Fee
The advisory →The files

The Bankable Blueprint™ · 1:1 capital advisory for established business owners

Book a Bankable Blueprint Call