Fundbox / Kabbage / SBLOC draws priced against card limits — no 5% cash-advance fee.
Traditional cash advances on cards cost 3–5% upfront + 24–29% APR from day one. Fundbox, Kabbage, American Express Business Line of Credit, and similar products underwrite against your business + card profile and deliver ACH funds at 6–20% APR with no cash-advance fee and no hit to card utilization. Use for deals when only cash (not card payment) will close.
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.
Route all business AP through 2%+ cashback cards — permanent margin lift.
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.