Zero Interest Funding: A Game Changer for Entrepreneurs

Jake & Gino: Real Estate Investing & Multifamily

Jake & Gino

Smartinvesting, Buyingrealestate, Investing, Multifamilyrealestateinvesting, Business, Investingsmart, Apartmentinvesting, Management, Makingmoney, Realestateinvesting, Cashflow, Jakeandgino, Realestateinvestment, Commercialrealestateinvesting, Buyingapartmentbuildings, Entrepreneurship

4.9 • 842 Ratings

🗓️ 16 February 2026

⏱️ 50 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of the Jake and Gino podcast, hosts Jake Stenziano and Gino Barbaro welcome Jack McColl, co-founder of Scale with Funding, to discuss innovative funding strategies for entrepreneurs. Jack shares insights on how to access business credit cards with 0% interest for the first 12 to 18 months, allowing entrepreneurs to leverage capital without the burden of immediate repayment. He emphasizes the importance of building a strong personal credit profile to unlock significant credit lines, which can be crucial for business growth, especially for those not yet generating substantial revenue. The conversation delves into the concept of 'credit stacking,' where Jack explains how entrepreneurs can strategically apply for multiple credit cards to maximize their funding potential. He also highlights the risks associated with using credit, such as the danger of overextending oneself financially. Throughout the episode, Jack shares personal anecdotes and practical advice, encouraging listeners to prepare adequately before seeking funding and to focus on creating value in their business ventures. The discussion wraps up with Jack's thoughts on the importance of responsibility in entrepreneurship and the mindset shifts necessary for success.

Transcript

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0:00.0	Hello, already. It's Jake Sons. I host Jake Gino podcast, who my co-host, a multifamily mentor, the coach of Chef, Father, Six, the best-line author.
0:06.4	The G-Daddy.
0:07.6	Gino Barber, Gene, how's it going?
0:09.0	Jake, I'm doing good, brother. How are you doing this morning?
0:22.9	Always making it happen, big man. Today's guest is co-founder of Scale with Funding, a pioneering funding model that enables entrepreneurs to access 50 to 150,000 in capital,
0:24.9	often a 0% interest.
0:25.5	Gina, what is this?
0:27.0	This is amazing here.
0:31.7	And without relying on personal income verification, he also leads credit stacking,
0:36.9	teaching business owners how to unlock five and six figure credit lines.
0:38.8	So, up further ado, Jack and Call, welcome the be with you guys. All the listeners, appreciate you being here, looking forward to the show and providing as much value as I possibly can.
1:11.2	So before we get to know you a little bit, the last like three to five years from a Lenny
1:17.4	perspective has been completely like flipped upside down. What has changed? How has it evolved from
1:23.3	your perspective? Yeah, I mean, specifically with what I do, I help entrepreneurs get access to business
1:28.5	credit cards that come with zero interest for the first 12 to 18 months.
1:32.2	So when interest rates are increased on other credit products, other types of loans, the interest
1:39.5	doesn't increase on the zero percent interest offers.
1:43.1	So after the zero interest offer, then that credit card
1:46.4	interest is more expensive than it used to be. What do we talk like 50 percent? Like, no, I mean,
1:53.2	credit card interest is anywhere between 19 percent up to 30 percent, which 30 percent is absolutely
1:58.1	ridiculous. Anytime someone's bringing on debt into a business,
2:02.3	I think it carries some risk,
	...

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