If credit card stacking alone doesn’t cover all your startup funding needs, there are several strong alternatives to explore. Many entrepreneurs layer multiple strategies by stacking startup personal loans with their credit lines to access larger lump sums for equipment, inventory, or major launch expenses.
You can also consider SBA loans for startups, such as the SBA 7(a) program, which offers longer repayment terms and competitive interest rates. However, as a startup, you’ll typically need to contribute a down payment of 10–20% of the project cost, present a detailed business plan outlining your strategy and financial projections, and show relevant experience in the industry your business is entering. SBA funding is a great option once you’re prepared to meet these requirements and position your startup for larger, long-term capital.
Another smart move? Equipment loans for startups. If your business needs specific tools, vehicles, or machinery to operate, financing equipment separately can free up your stacked credit for marketing, payroll, or working capital.
