All Forum Posts by: Virgil Moore

I understand, and it’s great that you have access to commercial bank lines of credit, which can be a powerful tool for scaling. I agree that these options aren’t easy to obtain, but they offer significant advantages for clients looking to protect their personal credit.

Great question! When I mention using 0% interest business credit cards to fund flips, I’m referring to the renovation costs, not the actual purchase of the property. This is a strategy to help you cover expenses like materials, labor, and other rehab costs without putting your personal credit at risk. You can use business credit cards to keep your cash flow flexible and avoid high-interest loans, allowing you to focus on scaling your business. For the property purchase itself, investors typically use a traditional loan or private financing, while business credit cards handle the renovation. This helps keep your personal credit intact while funding your deals efficiently.

I understand your perspective, but I’m simply here to educate people on the benefits of credit card stacking as a viable financing option, not to solicit business. There’s a difference between sharing valuable information and actively promoting services, which I haven’t done in this conversation. Many seasoned investors use credit card stacking successfully—it’s a tool that works well for those who know how to manage the risk, especially those with a proven track record of moving in and out of deals quickly.

As for your point about repayment, I’m sure you understand that responsible use of any financing method requires a clear strategy. Credit card stacking is for experienced investors who can take full advantage of the 0% interest period and ensure that funds are paid off in time. It’s not meant for everyone, but for the right individuals, it can be a powerful tool to fund projects in a more flexible and cost-effective way. There are many ways to fund real estate deals, and this is just one of them. Every investor has their own approach, and there’s always room for different methods to be explored. 

I appreciate your opinion, but I think there’s a misunderstanding about how credit card stacking works and what it offers. First off, no one is comparing credit card stacking to a traditional loan—it’s actually a much more flexible and strategic approach to funding. Credit card stacking leverages business credit lines with 0% interest for a certain period, which can be used to fund projects without the high costs or restrictions that come with traditional loans. It allows you to scale and grow your business while protecting your personal assets.

As for your comment on credit repair companies, there’s a big difference between legitimate credit repair practices and those that prey on people. A reputable credit repair company using Metro 2 compliance and the law to dispute inaccurate items from credit reports is helping people regain financial control and build a stronger credit profile. It’s not about ‘shiesty’ tactics; it’s about giving people the tools and knowledge to use OPM (Other People’s Money) effectively, improving their financial future in the process.

I understand that credit can be a complex subject, but with the right knowledge and strategy, credit card stacking and credit repair are legitimate methods for improving financial flexibility and opportunities. I’d be happy to discuss these topics in more detail if you’d like to learn more.

I understand where you’re coming from. However, comparing hard money to credit card stacking doesn’t always tell the whole story. While hard money may seem cheaper for a short-term flip, credit card stacking offers a unique advantage with 0% interest for an extended period, giving you the flexibility to scale without high financing costs. The 10% fee I charge is not just for the funding—it covers a comprehensive approach to ensure you’re using the capital effectively and efficiently, without the traditional restrictions of hard money or the hassle of dealing with multiple lenders. It’s about long-term growth and minimizing risk, not just the upfront cost. 

Hey, everyone!

We all know that financing can be one of the biggest roadblocks in real estate investing. Whether you're flipping houses, building a rental portfolio, or tackling a BRRRR project, traditional loans often come with a long approval process and strict terms that don't always work in your favor.

But what if I told you there’s a way to get the funds you need faster and without relying on traditional lenders? That’s where business credit comes into play, and it’s a tool that too many investors overlook.

Here’s the deal: Business credit isn’t just for large corporations. It’s a powerful way for real estate investors like us to fund deals, manage cash flow, and scale our operations without putting our personal credit or assets at risk.

So, why should you consider using business credit for your deals?

For starters, it’s fast and flexible. Unlike traditional lenders, business credit lines give you quicker access to capital with fewer restrictions. Whether you’re securing a property, covering rehab costs, or even handling unexpected expenses, having access to business credit can make all the difference.

Plus, you’re separating your personal and business finances. This means your personal credit won’t be impacted by business expenses. That’s huge when you’re looking to scale—especially if you plan to keep growing your portfolio.

And here’s something that really makes business credit shine: 0% interest for the first 6-12 months. You can use these funds for renovations or other project costs and pay them off without worrying about high-interest fees eating into your profits.

If you’re ready to use business credit creatively, here’s what you need to know: you can start small and build your credit over time. As you continue to establish business credit, you can access larger lines of credit, giving you the ability to take on more properties and bigger projects without the hassle of traditional financing.

I work with real estate investors to help them navigate the world of business credit and unlock funding opportunities that fuel their growth. If you’re interested in learning more or want to discuss how business credit can work for your specific deals, feel free to message me. I’d love to chat!

How are you currently financing your deals? Have you used business credit, or is it something you’re considering?

Hey everyone,

If you're diving into the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat), you know that moving quickly is key to making profits. The problem? Traditional lending can slow you down. The process is often drawn-out, and sometimes banks just don't get the rhythm of real estate investors who need fast access to funds.

That's where business credit comes in. If you're not using it yet, you might be leaving money—and opportunities—on the table. Let me share how it can help you scale your BRRRR strategy faster.

First off, business credit gives you quick access to funds. No more waiting around for banks to approve your loan application. With business credit, you can move fast on deals, whether it’s buying a property, covering renovation costs, or pulling out cash during the refinance phase.

Another big advantage? Separation of your personal and business finances. When you use business credit, you don’t have to risk your personal credit score. This is a game-changer if you’re managing multiple properties. It lets you take on more without the fear of jeopardizing your personal credit.

And let’s not forget about cash flow. If you’re using 0% interest business credit cards or lines of credit, you can finance your renovations or other expenses without racking up high-interest payments. That extra cash flow lets you keep rolling with your deals and reduces the pressure on your finances.

Plus, the more business credit you build, the more you can leverage. You can start taking on bigger, more profitable deals. If you’re looking to scale, business credit can be the fuel that powers your next big move.

The truth is, navigating the world of business credit can be tricky. That’s why I work with real estate investors to help them unlock the capital they need to keep growing. If you’re tired of getting stuck in the traditional lending cycle or just want to see how business credit can help you level up, drop me a message. I’d love to chat.

What do you think—who here is already using business credit for their BRRRR deals? How's it been working for you?

If you’re flipping houses, you already know access to capital is everything. But here’s a question most investors don’t think about until it’s too late: How do you protect your personal credit while funding your deals?

I see it all the time—investors maxing out personal credit cards, taking out high-interest personal loans, or worse, using their own name to personally guarantee every deal. It works… until it doesn’t. One bad flip, one market slowdown, or one unexpected expense can tank your personal credit, making it harder (and more expensive) to fund future deals.

Here’s How to Keep Your Personal Credit Safe While Flipping:

1️⃣ Separate Personal & Business Credit

If your business isn’t already using its own credit profile, you’re putting yourself at risk. You want lenders looking at your business—not your personal credit score—when you apply for funding.

2️⃣ Use Business Credit Cards Instead of Personal Ones

Most investors don’t realize business credit cards don’t report utilization to your personal credit. That means you can put $50K-$100K in rehab costs on a business card without killing your personal score.

3️⃣ Leverage 0% Interest Business Credit Stacking

Instead of hard money loans with 12-15% interest, smart investors are using 0% interest business credit to fund their flips. This keeps cash flow flexible, eliminates high carrying costs, and helps you scale faster.

4️⃣ Make Sure You’re PG’ing the Right Way

Personal guarantees (PGs) are often required, but not all PGs are created equal. Some lenders will lock you into terms that can hurt you long-term, while others structure it in a way that protects you. Understanding the difference is key.

I’ve helped plenty of real estate investors get the right business funding in place so they can scale without risking their personal credit. If you’re flipping (or want to start) and need access to the right funding options, send me a message—I’m happy to point you in the right direction.

What strategies are you using to protect your credit while funding deals? Drop a comment—I’d love to hear what’s working for you!

Great question! This isn’t a solicitation, just sharing insights on how real estate investors can leverage business credit as a funding tool. A lot of investors rely on personal credit or hard money loans without realizing there are 0% interest options available. If it’s helpful, I’m happy to answer any questions!

Why Business Credit? 

Most investors think they need traditional loans to fund their deals—but what if you could leverage 0% interest business credit instead? With the right strategy, you can access up to $500K in liquid capital without affecting your personal credit utilization.

So why not business credit…….

What You Can Do with Business Credit:

✅ Fund a New Business or Scale an Existing One

• Access 0% business credit for 12-60 months (via balance transfers)

• Invest in fix & flips, short-term rentals, wholesaling, and more

• Cover renovations, acquisitions, marketing, and operations

✅ Avoid the Pitfalls of Using Personal Credit

Using personal credit for business expenses can:

❌ Ruin your credit score with high utilization

❌ Trigger high interest rates that start immediately

❌ Limit your borrowing power and make it harder to qualify for loans

❌ Get you auto-denied for personal loans if you check the “business” box

✅ Key Benefits of Business Credit for Investors

✔ 0% interest for 12-60 months (via balance transfers)

✔ Extremely low minimum monthly payments

✔ Higher credit limits than personal cards

✔ Cash-out capability (liquidate credit for any use)

✔ Purchase protection, points, and cash-back rewards

✔ Tax benefits & asset protection

✅ Debt Consolidation Strategy

• Pull cash from your 0% business card to pay off high-interest personal balances

✅ Invest in High-ROI Opportunities Without Paying Interest

Instead of using your own liquidity, business credit allows you to extend your repayment period and fund deals with predictable returns:

• Fix & Flips – Fund renovations before reselling

• Short-Term Rentals – Cover furnishing and listing costs

• Wholesaling – Finance marketing and acquisitions

• Amazon Automation – ROI in <12 months

• Live Events & Coaching – Invest in learning and networking

• Bulk Inventory Purchases – Capitalize on supplier discounts

Exclusive Banking Relationships & Credit Liquidation Services

At FiFIN, we don’t just help you get business credit—we have direct relationships with top banks, including:

• US Bank, Truist, Bank of America, PNC, Chase, M&T, TD, NYCB, BMO Harris, Citibank … and more.

We also provide credit card liquidation services so you can access up to $500K in cash—turning business credit into real, usable funding for your deals.

Want to See How Much You Qualify For?

Let’s chat! Drop a comment or send me a message, and I’ll help you explore your funding options.