Route all business AP through 2%+ cashback cards — permanent margin lift.
Every dollar of business OpEx should flow through a 2%+ flat cashback card (Ramp, Brex, Amex Business Blue Plus, Capital One Spark) or category-multiplier cards for ads/software/travel. Use Plastiq/Melio to pay rent, mortgages, and non-card-accepting vendors for a fee net of the rewards earned. On $500K/yr business spend that's $10K+/yr in tax-free rebates.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.
Pay estimated taxes, tuition, and munis by card to hit SUBs and status.