Business credit cards and lines of credit often come with introductory 0% APR periods of 12–21 months. During this time you use the credit with no interest charges, giving you runway to invest and grow before repayment begins.

No. Our program is based primarily on your personal credit strength, so startups and new businesses with no revenue history can qualify.

On average, our clients obtain $300,000 in 0% business credit. Results vary based on credit score, revolving credit history, and the number of accounts opened.

No. Novagen Funding LLC is a financial education and consulting firm. We coach you through the process — the actual credit is extended by third-party banks and lenders.

Common uses include AirBnB rentals, ecommerce inventory, real estate fix-and-flip projects, Turo rental fleets, coaching-business startup costs, and general operating expenses.

Most clients begin receiving approved credit lines within 14–30 days of starting the program, depending on their credit profile and bank processing speed.

Strategy sessions require a consulting fee. If your credit score is below 700, an initial credit-review consultation is available at no charge.