Estimate your total capital stack based on your FICO score, credit profile, and business history. See what you could access in 0% APR cards, business lines of credit, and SBA loans.
Credit card stacking potential0% APR business credit cards
- Round 1 approval estimate
- $30K – $60K
- Cards likely to approve
- 3 cards
- After CLI engineering (day 61/91)
- $60K – $180K
Recommended sequenceOptimal application order
Round 1 — Day 1
Round 2 — Day 30
Total capital stack estimateAll funding sources combined
- 0% APR credit cards
- $60K – $180K
- Business LOC potential
- $50K – $500K
- SBA loan potential
- $50K – $500K
Estimated total capital$160K – $1.2MFull capital architecture potential
Risk assessmentProfile readiness evaluation
- Utilization is good (15%). Within acceptable range for most issuers.
- 2/24 — Chase is available. Apply for Chase first in your stacking sequence.
- FICO 720 is strong — qualifies for most premium business cards.
Optimal
- Not Ready
- Getting There
- Ready
- Optimal
Estimates, not offers. Approvals, limits and terms are decided by the issuing institutions and depend on the file.
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Credit Card Estimates
Round 1 approval amounts are based on FICO score tiers, current utilization, and typical approval ranges across major business card issuers. CLI engineering estimates reflect the 2–3x limit increase most cardholders receive when requesting increases at Day 61 and Day 91. Read the full stacking guide →
5/24 Rule Impact
Chase's 5/24 rule automatically declines applications from anyone who has opened 5+ credit accounts in the past 24 months. This calculator checks your account count to determine Chase eligibility and adjusts the stacking sequence accordingly. Learn about the 5/24 rule →
Business LOC Potential
Business line of credit estimates are based on time in business and revenue. Fintech lenders approve newer businesses, while traditional banks require 2+ years of operating history for the highest limits. Explore business LOC options →
SBA Loan Eligibility
SBA loan estimates require 2+ years in business, $100K+ annual revenue, and a FICO score of 680+. The FICO SBSS score (minimum 155) is also used for pre-screening. These are general guidelines — actual approval depends on your full financial profile. SBA loan guide →