★★★★★
$45K · 5 Days
Secured $45k in 0% interest funding in just 5 days. The process was seamless and the strategic guidance was incredible. Patrick mapped out exactly which banks to apply to, in what order, and why.
4.9 / 5 · 47 verified reviews
Real outcomes from real businesses.
Stacking Capital has engineered custom capital stacks for 400+ founders, securing more than $19.2M in approved funding. Here's what clients say about the work.
400+
Clients Funded
$19.2M+
Approved
$100K
Minimum Guarantee
4.9 / 5
Average Rating
★★★★★ Google Reviews
★★★★★ Trustpilot
★★★★★ LinkedIn Recommendations
★★★★★ Direct Client Feedback
What clients are saying
Each engagement is engineered around the client's goals, banking history, and credit profile. Below are real outcomes from clients across e-commerce, real estate, services, and SaaS.
★★★★★
$80K Unsecured
I was stuck with traditional lenders and getting denied everywhere. Stacking Capital got me $80k in unsecured business credit lines in under three weeks. Game-changer for my real estate acquisitions.
★★★★★
Strategic Partner
They didn't just get me funding; they taught me how to fix my profile to keep getting funding every 90 days. This is the most strategic funding partnership I've ever had.
★★★★★
$127K Stack
Approved for $127k across five business cards in a single application window. Patrick's bank-by-bank sequencing was exactly right. Zero hard pull damage to my personal credit.
★★★★★
SBA $385K
After two SBA denials with other brokers, Stacking Capital walked me through what was actually missing from my underwriting profile. Approved for an SBA 7(a) at $385k six months later.
★★★★★
Honest Counsel
Honest assessment first. Patrick told me I wasn't ready for a stack and gave me a 90-day bankability plan instead of taking my money for a service I didn't need. That alone earned my trust.
★★★★★
24-Mo Plan
The capital architecture document alone was worth the engagement. They mapped out a 24-month funding sequence covering 0% cards, an SBA Express, and a future 504 for our real estate. Nobody else thinks this far ahead.
★★★★★
CDFI → SBA
Veteran-owned business. Patrick understood my situation immediately — being a Marine himself helped. Got me into a CDFI lender first to build relationship, then graduated me to an SBA Express six months later.
★★★★★
Saved $40K
I appreciated that Stacking Capital pushed back on me when I wanted to take an MCA for working capital. They got me a much cheaper line of credit instead and saved me roughly $40k in financing costs over 18 months.
Anonymized case studies
Three engagements that illustrate how a Stacking Capital architecture moves a business from capital-constrained to capital-positioned.
Case Study 01 · E-Commerce
From $0 in business credit to a $312K stack in 11 weeks
Starting Point
$420k revenue Shopify brand, no business credit profile, two-year-old LLC, 740 personal FICO. Owner had self-applied for two cards and been denied.
Architecture
Bankability foundation built first (Dun & Bradstreet, Experian Business, banking relationship deepened). Then a five-card stack: Chase Ink Preferred, BofA Business Advantage, Amex Blue Business Plus, US Bank Triple Cash, Wells Fargo Signify.
Outcome
$162k in 0% APR business cards across five issuers. Eight weeks later, an additional $150k SBA Express line through the existing primary bank relationship — total $312k stack at a blended ~3% effective cost.
Case Study 02 · Real Estate
Bridge-to-DSCR refinance for a small-portfolio investor
Starting Point
Two-property investor wanted to acquire a third before selling the first. Conventional lender wanted full income docs and a 12-month seasoning period the investor didn't have.
Architecture
Hard money bridge for acquisition (90 days), refinance into a DSCR investor loan once the property hit a 1.30x debt-service-coverage ratio. Layered $75k in business cards for renovation working capital.
Outcome
Acquisition closed in 17 days. DSCR refinance completed at month four. Total capital deployed: $625k across the bridge, the DSCR, and the unsecured line — without ever using personal income for qualification.
Case Study 03 · Service Business
Two-time SBA denial reversed into a $385k 7(a) approval
Starting Point
Restaurant owner with two prior SBA denials. Underwriting issues: tax returns showed paper losses (heavy add-backs needed), DSCR borderline, no formal banking relationship.
Architecture
Six-month bankability rebuild — added-back depreciation, owner compensation, one-time expenses; opened a banking relationship with a local SBA preferred lender; built a 13-week cash flow forecast supporting 1.35x DSCR.
Outcome
SBA 7(a) approved at $385k. Owner used proceeds to consolidate three high-interest MCAs and finance a buildout. Monthly debt service dropped 41% relative to the prior MCA stack.
Ready for your own outcome?
Every Stacking Capital engagement starts with a free strategy session. We'll review your current profile, your goals, and whether a stack is right for your business. If it's not, we'll tell you that too.
Book a Strategy Session