Legacy Cons

0% APR ON CASH ADVANCES?! Yeah…this one caught my attention.

Most 0% business credit cards give you an intro offer on purchases. Some include balance transfers.

But Flatirons Bank is currently advertising:

💳 0% APR on purchases
🔄 0% APR on balance transfers
💰 0% APR on CASH ADVANCES
📆 For 12 months

That last one is the game changer.

Why? Because there’s a BIG difference between having $20K of available credit that you have to swipe…and potentially being able to access a portion of that credit as CASH while the promotional APR is 0%.

That can give a business owner much more flexibility for things like:

💰 Working capital
📦 Inventory
📈 Marketing
👥 Payroll & contractors
🏢 Business expenses that can’t easily be paid by credit card

But understand the strategy: 0% APR does NOT necessarily mean free cash. Cash advances can have a transaction fee, and your cash-advance limit may be lower than your total credit limit. Always verify your specific terms before moving money.

This is exactly why I tell people…

Don’t just collect credit cards. Learn how the PRODUCTS work.

The right funding product at the right time can completely change your strategy. 🎯

BANK OF AMERICA JUST MADE THIS BUSINESS CARD A LOT MORE INTERESTING 👀💰

The Bank of America® Platinum Plus® Mastercard® Business card is now offering:

🔥 0% intro APR on purchases for the first 15 billing cycles
💳 $0 annual fee
🏦 A BUSINESS credit card
⚠️ And here’s the part you NEED to know…

THIS IS AN ONLINE OFFER.

Bank of America states that the offer may not be available if you leave the webpage, apply at a financial center, or call.

That’s why business funding isn’t just about knowing WHICH cards to apply for.

The application method matters.
The timing matters.
The sequence matters.
And your credit profile matters.

15 billing cycles at 0% gives you the opportunity to use the bank’s money to invest into your business WITHOUT paying interest on those purchases during the promotional period.

That’s what I mean when I say…

Don’t just chase APPROVALS.

Build a FUNDING STRATEGY. 💯

Save this one. 📌

Make sure you follow me for more funding tips, and if you’re ready to get business funding without paying a %, DM me the word READY

AMEX IS CUTTING LIMITS… BUT THERE’S MORE TO THE STORY.

Over the last couple weeks, business owners have reported Amex suddenly putting preset limits on cards that previously had no preset spending limit.

One business owner reportedly went from spending around $350K per month to being capped at $100K. 😳

Naturally, social media ran with it:

“Amex is preparing for a recession.”

“Amex is cutting everybody.”

“Something big is coming.”

But I see it differently.

This is RISK MANAGEMENT.

Banks don’t just evaluate you when you APPLY for funding.

They’re evaluating you after they give you the money too.

Your spending patterns.
Your payment history.
Your income and revenue.
Your overall exposure.
Your unused credit.
And whether your financial profile still supports the amount of credit they’ve extended.

That’s why getting approved is only HALF THE GAME.

You have to know how to KEEP THE FUNDING once you get it. 🎯

A $50K limit today doesn’t mean the bank owes you a $50K limit forever.

Understanding how banks think after the approval can be just as important as knowing how to get approved in the first place.

💬 Comment “FUNDING” if you want to learn how to build a profile banks actually want to lend to.

🔹 Soft pull — checking eligibility doesn’t hit your personal credit
🔹 Decision in under 3 minutes
🔹 Digital card issued immediately upon approval
🔹 Built to sync directly with QuickBooks — matches receipts to transactions automatically
🔹 2% cash back on everyday spend, 5% back on Intuit products
🔹 No annual fee

Why this matters: most business cards are still underwriting off your PERSONAL credit and requiring a hard pull just to see if you qualify. This one flips that — using your QuickBooks data and business activity as part of the picture instead.

A few people have reported instant approval. Others have been asked to verify their ID or upload a document before final approval — so results vary depending on your profile. Either way, it’s a soft pull, so there’s no risk to check.

If you’re a business owner already using QuickBooks, this is worth 5 minutes to see what you prequalify for.

Want me to walk you through how to actually position your profile for the best approval odds — on this card or any other? Drop “INTUIT” below and set up your free call with me 👇

I THINK I gave yall the game on business funding
My mind was all over the place. My bad, I got yall

Sixers in 4