How Money Becomes "Free"
Why 0% Isn't Just Cheap — It's Free (If You Use It Right) Most people look at credit as "debt." But when used correctly, 0% business credit is essentially free capital.
Here's why:
  • You're using the bank's money for 6–18 months with 0% interest.
  • You recycle that money into investments that create cash flow or profit.
  • You stack backend commissions, cashback, and signup bonuses.
  • You pay it off before interest hits → and repeat.
This cycle means the money doesn't cost you — it pays you.
Built-In Profit #1: Sign-Up Bonuses
Most banks offer lucrative bonuses just for getting approved.
Chase
$900–$1,200+
U.S. Bank
Up to $500
Bank of America
Up to $300
Amex
Up to $2,500
💡 These bonuses alone can cover any small liquidation or setup fees.
Built-In Profit #2: Cashback & Points
Every dollar you run through business credit stacks rewards.
Typical Cashback Rate
1.5–2% cashback
On every dollar you spend through your business credit cards.
Real Numbers
On $100K spend = $1,500–$2,000 back.
Pair that with bonuses and you're starting positive.
Example 1: Marketing Spend
Let's say a client secures $100K in funding.
01
Monthly Ad Spend
They spend $20K/month on ads.
02
Return on Investment
Their return is 2x ($40K back) → realistically could be 4x ($80K).
03
Annual Total
Over 12 months = $240K spend.

At 2% cashback = $4,800 in rewards. Add signup bonuses ($900–$2,500) = $5K–$7K back just for running the spend.
So they borrowed $100K, spent it, made $240K–$480K in sales, and got all their money back + bonuses.
Example 2: Real Estate Flips
Let's say an investor does 2 flips a year.
  • Using cash or hard money, they're capped at 2.
  • With $200K in business credit, they can technically fund 3 flips instead of 2.
  • Run $200K through a 2% cashback card = $4K back in rewards on top of profits.
More deals = more cash flow, more appreciation, more equity — plus free rewards stacking.
The Mindset Shift: Leverage vs. Fear
Consumer Debt Mindset
Most people fear credit because they only know consumer debt.
Business Credit Reality
Business credit isn't about buying liabilities — it's about funding income-producing assets.
The 0% Advantage
With 0%, the cost of money is eliminated. What matters is how fast you can cycle it.
Action Step:
Write out how you'd deploy $100K in 0% credit today
👉 Write out how you'd deploy $100K in 0% credit today — would you spend it on marketing, flips, or acquisitions?
👉 Post your plan and biggest takeaway in the community.