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. The Week Before You Apply: Pre-Application Checklist (2026)17 min
  2. Trucking Company Business Credit and Capital Stack Guide (2026)17 min
  3. 0% Cards First. Then a $350,000 SBA Loan: Frank's File, Explained18 min
  4. 0% Business Credit Cards Round 1: The Stacking Hard-Pull Map (2026)18 min
  5. Credit Karma, VantageScore, FICO, And The Trended-Data Shift — What Actually Matters In 202621 min
  6. Weekend Playbook — Hike Priced At 86%, 10-Year Yield Kissed 5%, Dot Plot Becomes The Story Wednesday62 min
  7. CPI Prints 0.4% Headline, 3.4% Y/Y With Core Hot At 0.3% Beat — Hike Locked At 90% Odds Going Into Sept 16 FOMC62 min
  8. PPI Prints 0.4% Headline, 5.4% Y/Y — Hot Where It Counts For The Tape, Soft On Narrow Core, Setting Up A Loaded CPI Friday61 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