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 prepare a bankable file and sequence 0% business credit.

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 prepare a bankable file and sequence 0% business credit.

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 ReportingPersonal and Business Credit Education

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. Pay Your 0% Stack: The Monthly Payment System (2026)21 min
  2. Which Business Credit Cards Pull Business Credit, and Where They Report (2026)27 min
  3. Amex and Chase Ad Rewards Changes: Owner Math (2026)18 min
  4. Auto Repair Shop Business Credit and Capital Stack (2026)24 min
  5. Korey G. Case Study: $135,777 Across Eight Products (2026)21 min
  6. After Approval: How Tier 1 Issuers Re-Read Your File (2026)25 min
  7. Chase Business Line of Credit: Complete Guide (2026)26 min
  8. Business Card Application: Revenue and Income Boxes (2026)26 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  ·  Written Funding Plan  ·  Flat Fee
The advisory →The files

The Bankable Blueprint™ · 1:1 bank-readiness coaching for established business owners

Book a Bankable Blueprint Call