Credit Line Hybrid

Credit Line Hybrid

Qualifying Factor

Not Recommended

Terms: Revolving


  • Credit score on all three bureaus 680+
  • Under 40% utilization on each revolving accounts
  • No more than 4-6 inquiries per bureau in the last 12 months- preferably less
  • No more than 4 unsecured accounts opened in past 12 months
  • No bankruptcies within the past 7 years
  • No open(unpaid) collections or judgments
  • No late payments in 24 months
  • Seasoned bank card trade lines 2K limit + (preferred)(Must have minimum of two (2) open revolving account with a year and a half to two years good payment history )

Terms of the Credit Line Hybrid: 

  • 0% interest for 6 to 18 months
  • Interest rates vary with each credit line

Cost of the Credit Line Hybrid:

NO UPFRONT FEES 9.9% success rate fee once funding is complete which can be paid with new card



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.