Credit Line Hybrid

Credit Line Hybrid

Qualifying Factor

Not Recommended

Terms: 5%-29% Revolving


Credit Line Hybrid includes applying for multiple business credit cards.  This is a great low-interest option that often is cheaper than a conventional line of credit.


  • Personal Guarantor
  • Business owner with at least a 685 personal credit score
  • Business owner without bankruptcy, liens, judgments, or late payments
  • Less than 5 inquiries in the past 6 months
  • Lender prefers established business credit
  • Less than 45% balance on all business and personal credit cards
  • Established personal credit report


  • Approval amount is typically 5 X the largest credit card limit on the personal credit report
  • Many credit cards offer a promotional 0% interest rate for 6 months – 1 year
  • 5-29%
  • 9.9% success fee



Ted has wonderful personal credit and needed some funds to start his business.  His highest reporting personal credit card is $10,000.  He received $50,000 in business credit cards and was able to open his business location.