Rosario Funding | Merchant Cash Advance & 0% Credit Card Stacking
SSL Encrypted · Nationwide Coverage · $10K–$1.5M · Same-Day Decisions
Funding for your business in simple steps.

You deserve more

than one offer.

Most businesses apply to one lender and accept whatever they get. We review your file across both of our funding programs — whether it's 0% Business Credit Card Stacking or Merchant Cash Advances — so you get the right capital for your business.

(800)-700-0023
50
States served
24hr
In as little as
$0
To apply
Rosario Funding Leadership
Pascual Rosario
Founder
Nationwide

Nationwide access to top lending institutions in the country, generating funding for your specific business needs and goals. Software engineering background — having worked at JP Morgan, American Express, and more.

Nationwide Access · All 50 States
Why Rosario Funding

See how we compare.

One application. Every option. No guesswork about which path fits your file.

Criteria
Rosario Funding MCA · 0% Stacking
Your Bank traditional
Direct Lender one lender only
Decision time
Hours
4–12 weeks
1–5 days
Programs reviewed
Both ✓
1 (yours)
1
Hard credit pull
No ✓
Yes
Yes
Min credit score
500+
680+
550+
Fee to apply
Free ✓
Free
Varies
Human review
Every file ✓
Sometimes
Automated
The Process

We treat every file
like a deal worth winning.

Every application gets human eyes, bank-signal analysis, and a real recommendation on the right path for your file.

See all funding products
Step 01

Credit Profile / Business Profile Analysis

We review your credit profile, and business profile.

~5 minutes
No SSN required upfront
Free, no obligation
Step 02

Bank signal scan

We analyze the 6 signals every lender checks — before they do.

Avg deposits$48K ✓
NSF events0 ✓
MCA positionsNone ✓
Step 03

Matched to the right program

We match your file to the funding program most likely to approve — fast MCA capital or 0% credit card stacking.

ReviewedAll
Eligible47
Competing8
Step 04

Human review

A specialist reviews the match. No bots, no automated pre-approvals.

We only present offers your file can support — not pre-approvals that fall through at underwriting.
Step 05

Funded

In as little as 24 hours, a few days or weeks depending on your credit product.

MCASame day
0% Stacking2–4 weeks
One application. No obligation. Free to apply.
Funding Products

Capital Matched to
Your Business Profile

We match you with the right product — not just what's available. From same-day merchant cash advances to 0% interest-free credit card stacking, every stage is covered.

Merchant Cash Advance

Advance against future receivables with flexible repayment tied to daily revenue. No collateral required.

Up to$1,500,000
SpeedSame Day

0% Business Credit Card Stacking

Up to $200,000 in 0% intro APR business credit cards stacked into one interest-free capital pool.

Up to$200,000
0% Intro0% Intro APR

Not Sure Which Fits?

Talk to a specialist. We'll identify whether Merchant Cash Advance or 0% Credit Card Stacking is the right fit for your specific profile — no cost or obligation.

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Business Funding Guide

Small Business Funding & 0% Capital Explained

Rosario Funding connects ambitious operators with the right capital — fast, fair, and transparent. We review your file across our two core products: Merchant Cash Advance and 0% business credit card stacking. Below is an honest breakdown of each so you know exactly what you're comparing.

0% Business Credit Card Stacking

Interest-Free

0% business credit card stacking is one of the cheapest funding strategies available — when you qualify. In a single application round, you can be approved for multiple business credit cards offering 0% intro APR. Instead of one $25,000 limit, stacking can deliver $50,000–$150,000 of interest-free capital across three to five cards. Because the applications are submitted the same day, each issuer sees the same credit profile before the new accounts report — which typically maximizes total credit extended. It requires a 700+ personal FICO and clean credit, but the result is effectively free working capital. Rosario Funding identifies which 0% APR business credit card programs you qualify for and structures the stack to protect your credit and maximize interest-free capital.

Explore all funding products

Merchant Cash Advance & Fast Funding

Need cash this week? A merchant cash advance is the fastest option — funded same day, with repayment tied to daily revenue and credit accepted down to 500. We match you to the best MCA offer your profile qualifies for — up to $1.5M, same-day.

MCA guide
Funding FAQ

Business Funding Questions, Answered

0% business credit card stacking is a funding strategy where a business owner is approved for multiple business credit cards offering 0% intro APR in a single application round. Instead of one card with a $25,000 limit, you may qualify for three to five cards totaling $50,000–$150,000 of interest-free capital. Because the cards are opened in the same day, each issuer sees the same credit profile before the new accounts report, which typically maximizes total credit extended. Rosario Funding identifies which 0% APR business credit card programs you qualify for and structures the stack to preserve your credit and maximize interest-free capital.
Rosario Funding offers two core funding products. Merchant Cash Advance is fast capital — funded same day, with repayment tied to daily revenue and FICO accepted from 500. 0% Business Credit Card Stacking delivers up to $200,000 of interest-free capital, personal-credit-driven with a 700+ FICO. One application reviews your file across both products.
In as little as 24 hours with a merchant cash advance — the fastest product we offer. 0% business credit card stacking takes 2–4 weeks to set up but delivers interest-free capital. Rosario Funding matches you to the fastest product your profile qualifies for.
Credit requirements vary by product. Merchant cash advances accept FICO scores as low as 500. 0% business credit card stacking generally requires a 700+ personal FICO because the cards are unsecured and credit-driven. Rosario Funding reviews your full profile — credit, revenue, time in business — across both of our funding programs, so a lower score in one product often still qualifies in another.
No. Rosario Funding's initial review has zero impact on your credit score. You can see your options across both of our funding programs before committing. This lets you compare rates, terms, and limits risk-free before accepting any offer.
Merchant cash advances go up to $1,500,000. 0% business credit card stacking delivers up to $200,000 of interest-free credit. The exact amount depends on your revenue, time in business, and credit profile. Submit one application and we'll show you every offer your profile qualifies for.
Rosario Funding is an independent funding marketplace. We are not a single direct lender — we review your application across both of our funding programs so you get the right capital for your deal. That means instead of one offer from one bank, you see your options across Merchant Cash Advance and 0% Credit Card Stacking and choose the best term and amount. One application, no obligation, and free to apply.
Ready to Get Started?

One Application.
Multiple Offers. Your Best Deal.

Takes 3 minutes to apply. Get your best offer — Merchant Cash Advance funded as fast as same day, or 0% Credit Card Stacking in 2–4 weeks.

Call (800)-700-0023
Free to apply, no obligation · In as little as 24 hours, a few days or weeks depending on your credit product · Programs from $10K to $1.5M