Understanding the Credit Gap
For most founders in Europe, business credit is difficult, slow, and expensive. Banks ask for collateral, personal guarantees, and years of financial records before even reviewing an application. Interest rates can range from 8–15%, and approvals often depend more on traditional banking relationships than business potential.
In the US, the system works differently. Credit is designed to help businesses grow, not restrict them. Once your business is structured correctly and has a verified credit profile, lenders offer 0% APR business credit lines for 12–18 months. These funds can be used for advertising, inventory, or operations—interest-free. When that period ends, new 0% offers can be opened, creating continuous, low-cost access to capital.
The Difference Between US and EU Credit Systems
Feature | Europe | United States |
|---|---|---|
Approval Basis | Collateral and personal guarantees | Verified business credit and financial activity |
Interest Rates | 8–15% typical | 0% APR for 12–18 months introductory periods |
Credit History Tracking | Tied to individual | Tied to business entity (EIN) |
Funding Flexibility | Limited and slow | Fast, renewable, and reusable lines |
How US Business Credit Works
US business credit is tied to your company’s EIN rather than your personal credit history. Once your entity is formed and registered with major bureaus such as Dun & Bradstreet or Experian Business, your company begins building its own score.
After a few months of responsible activity—banking transactions, small trade lines, and verified data—your business credit score improves. When your score exceeds specific thresholds (around PAYDEX 80 or Experian 700+), banks and card issuers begin extending 0% APR credit lines.
These lines can remain interest-free for 12–18 months. Before they expire, new ones can be opened—a process known as restacking—allowing businesses to maintain access to interest-free capital.
What Founders Gain
Access to $50,000–$200,000 in 0% APR business credit
Use of funds for ads, inventory, or scaling operations
No personal guarantees or collateral requirements
A verified US business credit profile
Eligibility for Amex, Chase, and partner bank programs
The ability to restack 0% lines for long-term capital access
Step-by-Step Overview
Step 1. Create a US Business Structure
We register your US LLC in Delaware or Wyoming and ensure compliance for credit reporting and banking.
Step 2. Obtain EIN and ITIN
We acquire your EIN and ITIN from the IRS to validate your business for US tax and identity purposes.
Step 3. Open a US Business Bank Account
A verified bank account through Mercury, Relay, or Wise provides the transaction history lenders require.
Step 4. Build Business Credit
Your business is registered with Dun & Bradstreet, Experian, and Equifax Business. Payment activity and verified data help establish a strong business credit profile.
Step 5. Apply for 0% APR Lines
Once eligible, applications to Amex, Chase, and Capital One programs are submitted. Credit is granted based on the company’s verified history.
Step 6. Maintain and Restack
Before the 0% term ends, new lines are opened. Older lines are paid off, keeping funding cycles continuous and cost-free.
Examples
eCommerce Brand — Netherlands
Setup: Delaware LLC, EIN, ITIN, Mercury bank account
Credit Built: PAYDEX 84 in 60 days
Result: $120,000 in 0% APR credit from Amex and Chase
Use: Funded inventory and ads for 14 months without interest
SaaS Business — Denmark
Setup: Wyoming LLC, EIN, and ITIN
Result: $80,000 in 0% APR lines
Use: Expanded ad spend and working capital without investor dilution
Timeline
Stage | Duration |
|---|---|
Company Formation | 48 hours |
EIN | 2–4 weeks |
ITIN | 4–10 weeks |
Banking Setup | 3–5 business days |
Credit Building | 30–60 days |
0% Credit Line Application | After credit profile qualifies |
Common Questions
Do I need to live in the US?
No. You only need a properly registered US company with EIN, ITIN, and a verified bank account.
Is business credit separate from personal credit?
Yes. Business credit is based on your company’s financial activity and EIN, not your personal score.
What happens after the 0% period ends?
We assist in opening new 0% lines before older ones expire, keeping your funding active and interest-free.
Is this process legitimate?
Yes. All steps follow IRS and US financial regulations. You retain full ownership and control of your company and credit.
Access Smart, Interest-Free Growth Capital Today
Traditional EU banking limits growth through high rates and red tape. The US system rewards structure, compliance, and credibility.
Start your free 30-day consultation plan and learn how to build your business credit profile and access up to $200,000 in 0% interest funding.
Troelsen & Partners LLC — helping founders establish lasting credit foundations in the US.
Speak With A Global Business Advisor.
Speak with one of our global business advisors to clarify your goals and identify what’s needed to achieve them.
You’ll leave the call with a clear understanding of how to access international banking, 0% business funding, and tax-efficient relocation options.
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0% APY US Credit Lines
Access Interest-Free Business Credit in the US — Up to $200,000 with No Equity or Collateral
