★★★★★ Trusted By 600+ Business Owners, Entrepreneurs & Real Estate Investors
WE HELP YOU ACCESS 0% CAPITAL THAT TURNS SLOW MONTHS INTO GROWTH FOR YOUR BUSINESS
WE HELP YOU ACCESS 0% CAPITAL
THAT TURNS SLOW MONTHS INTO GROWTH FOR YOUR BUSINESS
No fluff. Just 0% interest capital that hits like steroids for your business. No collateral, No revenue proof, No tax returns required.
No fluff. Just 0% interest capital that hits like steroids for your business.
No collateral, No revenue proof, No tax returns required.
600+
businesses served
|
$50+ MILLION
in approved funding
|
9.8/10
avarage client
satisfaction score
GET FUNDED & GROW
VERY FAST LIKE 600+
OTHER BUSINESS OWNERS
Bluewater Lending is the best funding company helping U.S. entrepreneurs unlock up to $250K at 0% interest — without tax returns, income proof, or BS.
The Bluewater Method Is the Fastest Way to Secure $50K–$250K at 0% Interest
Regardless of Income, Revenue, or Business Age.
👇 REAL RESULTS
FROM REAL BUSINESS OWNERS
We show full video case studies — with our clients’ full name, business name, address, website, and LinkedIn. You won’t find this level of transparency anywhere else.
CASE STUDY #1
How Momma Mondragon’s Macarons Secured $141,300 at 0% Interest to Open a Second Location Without Providing Financials Documentation or Collateral
Client Name: Stephanie Mondragon
Business: Momma Mondragons Macarons
Business Type: Retail Bakery
Location: California
Time to get the results: 35 Days
Description:
Here’s a case study of Stephanie, who came to us with a goal of securing $150K–$400K to consolidate an existing SBA loan and expand into a new location. The business is based in California.
CASE STUDY #2
How We Helped Tim Jones Get Access to $110,200 at 0% Interest to Invest Towards His Architecture Business.
Client Name: Tim Jones
Business: TPJ Architecture
Business Type: Architecture
Location: California
Time to get the results: 32 Days
Description:
Here’s a case study of Tim, who came to us with the goal of securing $110K to expand his architectural firm and access new growth opportunities. The business is based in California.
CASE STUDY #3
How David Fernandez Ramirez Secured $150,000 in 0% Interest Funding to Grow His Marketing Agency in Just 35 Days
Client Name: David Fernandez
Business: D.R Consulting LLC
Business Type: Marketing
Location: Florida
Time to get the results: 35 Days
Description:
David had never heard of 0% interest funding before and was initially skeptical. After doing his research and moving forward, he secured $110K at 0% from Chase—now he’s investing more money on ads with his marketing company with confidence.
CASE STUDY #4
How We Helped Gail Le Secure $167,900 at 0% Interest to Expand His Real Estate Portfolio with New Fix-and-Flip Projects
Client Name: Gail Le
Business: Escape LLC
Business Type: Real Estate
Location: California
Time to get the results: 45 Days
Description:
Gail Le, a serial entrepreneur, came to us aiming to secure $150K–$200K for a new fix-and-flip project. We structured a mix of business credit cards and a business line of credit to meet her goals. With $167,900 at 0% interest, she’s now scaling her real estate portfolio with confidence.
Read Client Stories
★ 4.9/5 STARS ON TRUSTPILOT
Read why so many business owners, real estate investors, and entrepreneurs
love working with Bluewater Lending
Read why so many business owners, real estate investors, and entrepreneurs love working with Bluewater Lending
Steven Macmurray
Working with Adrian as my rep has been great so far. He's been responsive to my questions and available to jump on a call at a moments notice. He's also been a great resource to help facilitate communications with the rest of the team. I look forward to working with him and the Bluewater team further as we add this additional revenue stream to our business this year.
★ ★ ★ ★ ★ Verified
Jeremy
Chris was phenomenal! Easy process as well! Chris communicated well and was consistent. He gave me clear instructions on how to maximize potential funding. I highly recommend. Got 60k from Chase and 80k from BOA + US bank
★ ★ ★ ★ ★ Verified
Lisa
Matt was awesome working with me! Positive energy guy and really enjoyed talking and working with him. He got me the 0% credit growth I needed! Can’t get much better than that.
★ ★ ★ ★ ★ Verified
FREQUENTLY ASKED QUESTIONS❓
How does 0% APR business funding work?
Most banks offer 0% interest business credit cards for 6-18 months. We help you get approved for $50K-$150K+ without needing tax returns or financials. It’s the smartest way to fund your business without taking on expensive debt
Who qualifies for 0% APR business credit?
If you have a 700+ credit score, at least 2–3 years of credit history, no recent late payments, no derogatory items, and at least $10-15k in credit limit across all your personal credit cards, mid 25-30% credit usage then you’re in a great position. Even if you don’t qualify right now, we can help you fix your credit and get approved later.
How fast can I get funding?
Most clients get approved in 7-14 days and receive their credit lines within 30 days. We move fast so you can start using the money ASAP.
Is this better than a business loan?
1000% yes. Business loans have high interest rates, require financials and collateral, and lock you into fixed payments. With a 0% APR unsecured business credit line, you get flexibility, no interest, and revolving credit you can use forever.
Do I need to show income or business revenue?
Nope. These business credit cards or line of credit don’t require financials like tax returns or bank statements. Banks approve you based on your personal credit and how well you structure your application.
How much funding can I get?
Most clients qualify for $50K-$150K in their first round. With multiple rounds, we’ve helped some clients secure $250K-$500k over time.
What happens after the 0% interest period ends?
Once the 0% promo period is over, rates go up. But before that happens, we help you refinance, restructure, or open new 0% credit lines, so you never have to worry about paying high interest.
Can I use business credit to scale my business?
Yes! Most of our clients use 0% business credit to invest in ads, hire employees, launch new products, or cover cash flow gaps. Instead of using your own money, you use the bank’s money.
What if I need cash out of the business line?
We offer a liquidation strategy that lets you convert your business credit into cash without paying high cash advance fees. You get the funds straight into your business bank account at 0% interest.
Will applying for business credit hurt my personal credit?
No. Business credit does NOT show up on your personal credit as long as you use the right banks. You get access to funding without affecting your personal score.
What if I’ve been denied for credit before?
Most clients who come to us were denied before! We know what banks look for and how to structure your application so you can finally get approved.
Why are banks willing to lend at 0%?
Banks use 0% APR credit cards to attract new business owners. They assume most people won’t pay off their balances before interest kicks in. But if you know how to play the game (like we do), you can keep rolling over at 0% forever.
+500 Lenders We Work With
Here Are Some Of Them:
Helping companies achieve massive scale through
0% APR business funding.
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