Amex Plum 60-day float + Net-30 vendors = 90-day free working capital.
Amex Business Plum offers up to 60 days to pay with no interest (plus 1.5% discount for early pay). Layer that on top of Net-30 supplier terms and inventory turns in 20–40 days — you're using vendor and card float to run a business on near-zero working capital. Combine with 2%+ cashback for margin lift. Scales to 7-figure revenue without a bank LOC.
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.