All Forum Posts by: Virgil Moore

 Where is the lie in my information? You’re lying saying that I’m lying, also I’m not reading that because you can’t spell! Lying is not spelled like this: “lieing”. Go get educated in business credit it’s not the same as personal credit. Once you do that then come talk to me, until then. You’re a non-factor! 

Experienced flippers know that access to capital can make or break a deal. Two common strategies for funding flips are hard money loans and business credit card stacking (using your personal credit to PG high-limit business credit cards). Both have their place, but they work very differently—and the consequences of mismanaging them aren’t the same.

Hard Money: Fast Cash, High Cost

Hard money loans are the go-to for many investors because they’re asset-based. If the deal makes sense, you can usually get funded, even with less-than-perfect credit. But the costs are brutal—double-digit interest rates, points at closing, and short repayment terms mean you have to flip fast.

If you can’t pay back a hard money loan, the lender doesn’t hesitate—they take the property. If the numbers don’t work, you could lose the deal and your profits (or worse, come out of pocket to cover losses).

Business Credit Stacking: 0% Interest, No Collateral

Stacking business credit cards lets you fund flips without hard money rates. With a strong personal credit profile, you can PG multiple business cards, access $50K-$150K+ in revolving credit, and often get 0% intro APR for 6-18 months. This means no interest payments cutting into your profits and flexibility in how you deploy the funds.

If you can’t pay back business credit, the lender doesn’t take your property—but your credit profile takes a hit. Missed payments hurt your score, and maxing out cards can make it harder to get new funding. However, with proper strategy (balance transfers, structured paydowns, etc.), you have options before it ever gets to that point.

So, Which is Better?

If speed and high leverage are your priorities, hard money can still make sense—especially if you’re light on liquidity. But if you want to keep more of your profits, avoid hard money headaches, and control your financing costs, business credit stacking is a powerful alternative.

Smart investors leverage both—using 0% business credit for acquisition or rehab and hard money only when absolutely necessary. What’s your go-to strategy for funding flips? Drop your thoughts below!

I’m here to provide real, practical funding solutions for real estate investors who want to scale without relying on hard money or predatory lenders. Business credit is a tool many successful investors use—it’s not a gimmick, and it’s certainly not ‘guru’ nonsense.

I haven’t attacked anyone’s credibility, but I have challenged misinformation. If that’s ruffling feathers, so be it. The truth is, plenty of investors struggle with funding because they don’t know all the options available to them. My goal is to change that.

If you’re open to a real discussion about alternative financing and how it can be leveraged in real estate, great—I’m happy to have that conversation. If not, no worries. But let’s keep it constructive. Because you don’t know ANYTHING about business credit, you said something crazy about a 30 day interest, you made yourself look dumb. None of this wouldn’t have happened if you didn’t comment on my post being a hater! Now stop before you hurt yourself, you’re too old to be this mad lol. 

 A scam? 💀💀💀 how so? You have never spoken to me to know what or what isn’t a scam. All of you guys can join together to say whatever it is you what to say but what I stated is all facts. Like I told the other gentleman, go get educated and learn about what you don’t know about lol, which is this. Good day Powder, I mean James lol. 

That old adage about banks is a common perspective, but it doesn’t apply to business credit in the same way. Unlike traditional lending, business credit cards used in stacking offer a way to secure funding with no immediate interest and without traditional credit checks that penalize maxed-out personal credit lines. The point is not to pile on more debt, but to use available capital responsibly to fund projects without the constraints of high-interest loans. If managed correctly, this strategy avoids the pitfall you’re describing and provides an opportunity to grow without relying on cash-out refinancing

Just to clarify, you’re mistaken about the interest-free period. Business credit cards used for credit card stacking typically offer 0% interest for 8-16 months, not just 30 days. This allows investors to leverage the funds for their projects without immediately incurring interest. The real issue isn’t the strategy itself, but how it’s used. When managed properly, it’s a smart way to access capital without putting yourself in a risky situation. I’m confident in the model and its benefits, but this will be my last response as it seems we’re not on the same page here. Go work on your “business” and mind the business that pays you, if it does.

 P.S. Anybody that knows a thing about business credit knows your spreading nonsense lol. 

If your credit score is 700+, you can personally guarantee (PG) business credit, but your profile needs to be set up correctly to qualify. Here’s what lenders look for:

✅ 700+ Credit Score

✅ At Least 2 Credit Cards with $2,000+ limits

✅ No Collections or Charge-Offs

✅ No Late Payments (Last 2 Years)

✅ No Bankruptcy

✅ Utilization Under 20%

✅ 2-5 Inquiries or Less per bureau

You also need an established LLC to make the most of business credit opportunities. When your personal credit is structured like this, you can access 0% interest business credit to fund your deals without the restrictions of traditional loans.

How’s your credit profile looking?