Zero Interest Funding: A Game Changer for Entrepreneurs

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.

Episode 245 of the Jake & Gino: Real Estate Investing & Multifamily podcast, hosted by jake stenziano, Gino Barbaro, titled "Zero Interest Funding: A Game Changer for Entrepreneurs" was published on February 16, 2026 and runs 49 minutes.

February 16, 2026 ·49m · Jake & Gino: Real Estate Investing & Multifamily

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Summary

Episode Description

In this episode of the Jake and Gino Podcast, hosts Jake Stenziano and Gino Barbaro sit down with Jack McColl, co-founder of Scale with Funding, to explore creative funding strategies for entrepreneurs.

Jack breaks down how business owners can access 0% interest business credit cards for 12 to 18 months, enabling them to deploy capital strategically without the pressure of immediate repayment. He also highlights the critical role of building a strong personal credit profile to unlock larger credit lines—an especially powerful tool for entrepreneurs who are still in the early stages and not yet generating significant revenue.

Takeaways:

Access to 0% interest credit can boost business growth.

Building a strong personal credit profile is essential.

Credit stacking allows for maximizing funding potential.

Risks include overextending financially with credit.

Preparation is key to seizing business opportunities.

Chapters:

00:00 Introduction to Credit Stacking

03:16 Understanding Zero Interest Credit Cards

06:03 Target Audience for Credit Stacking

08:59 Risks and Downsides of Credit Stacking

11:55 Good Debt vs. Bad Debt

14:59 The Importance of Personal Credit

17:56 Maximizing Credit Utilization

21:10 Personal Credit Card Strategies

24:05 Travel Hacking with Credit Points

26:55 The Five Factors of Credit Scores

29:55 The Future of Credit Card Interest Rates

33:17 Mindset and Responsibility in Entrepreneurship

36:05 Preparation for Opportunities

38:54 Conclusion and Final Thoughts

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About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com.

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