Card-fund the 60–90 day AR gap between close and first receivables cycle.
Post-close, a newly acquired business often has a 30–90 day working-capital hole as AR collects into your new bank account. A stack of 0% business cards + Amex Pay Over Time + Plastiq covers payroll, vendor AP, and rent through the gap without drawing on the SBA operating line. Preserve the operating LOC for growth, not survival.
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.
1st mortgage + HELOC 2nd + 10% down — kill PMI and preserve cash.
Buy cash, cash-out refi inside 6 months at purchase price — not appraised value.
Route earnest money and closing on 0% cards — keep reserves for lender.
Draw primary-home HELOC for investment DP; refi/pay down after stabilization.
Pledge multiple properties as one loan — unlock higher LTV on new acquisitions.
Bypass the Fannie 10-loan cap by layering Non-QM personal + DSCR LLC loans.
Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
Card-fund seller arrears to take deed subject-to existing sub-4% financing.