Trusted By 600+ Business Owners, Entrepreneurs & REAL ESTATE INVESTORS
Trusted By 600+ Business Owners, Entrepreneurs & REAL ESTATE INVESTORS
We Help You Get Access at 0% Interest Capital That Turn 'Slow, Weak Months' into Lucrative Growth Periods for Your Business!
Enjoy cash accessibility with revolving credit at
a 0% interest rate without using any collateral
600+
businesses served
|
$50+ MILLION
in approved credit
|
9.8/10
avarage client satisfaction score
Are You Experiencing
Any Of This?
Are You Experiencing Any Of This?
Drowning in High-Interest Debt
You’re paying thousands in interest every month, watching profits vanish into your lender’s pocket. What if you could eliminate that burden with 0% APR funding? Imagine redirecting that money into scaling your business instead of servicing debt.Stuck with “Good Credit” but Still Getting Denied
Your credit score isn’t the problem—it’s how your credit profile is presented to lenders. Without the right strategy, even strong credit gets overlooked. That’s where we come in: we optimize your credit profile so lenders say yes to 0% APR funding.
Unpredictable Cash Flow Holding You Back
Every growth opportunity feels risky because you’re unsure if you’ll have the funds to cover it. With access to 0% APR funding, you can confidently invest in your business, knowing your capital isn’t being drained by interest.Exhausted from Chasing the Wrong Lenders
Tired of endless applications, rejections, and confusing terms? We work with an extensive network of top-tier lenders like Chase, Bank of America, and US Bank to secure the right funding—without the guesswork.Fear of Getting Stuck in a Debt Trap
You’ve heard the horror stories: hidden fees, predatory terms, balloon payments. That’s why our funding comes with 0% interest, giving you the breathing room to grow without worrying about debt piling up behind the scenes.Your Business is Growing, But Profits Aren’t
Scaling should increase profits—not debt. High-interest loans eat into your margins, leaving you feeling like you’re working for the lender. Our 0% APR funding lets your profits stay where they belong: in your business.Feeling Like You’re One Bad Month Away from a Cash Crunch
Running a business shouldn’t feel like a financial tightrope walk. With 0% APR funding, you’ll have a safety net of flexible capital to cover unexpected expenses and seize opportunities—without racking up costly interest.You’re Ready to Grow, But Your Capital Can’t Keep Up
You know your business could explode with the right funding. Maybe you’ve even mapped out exactly what you’d do if money wasn’t an issue. This is your chance. Our 0% APR funding gives you the fuel to grow without limitations.Tired of Being the Only One Who Believes in Your Business
Banks and traditional lenders don’t get it—they see numbers, not potential. We help you bridge that gap, presenting your business in a way lenders can’t ignore, so you finally get the credit you deserve at 0% interest.Tired of Predator Lenders and Secured Funding with Collateral
Say goodbye to high-interest loans, MCA's or secured business funding by risking your assets—secure 0% APR funding with no collateral required.
See Why Business Owners Choose Us.
See Why Business Owners Choose Us.
Expertise
You can work with Bluewater directly from application to funding, without going through a third party.
Performance-Based Compensation
We work on a performance-commission basis after we get you the funding.
No Hard Credit Pulls
We don't make hard pull. We just review your credit report from Experian or MyScoreIQ.
Keep Doing What You Do Best, We'll Handle The Rest.
Bluewater is building multiple lines of credit in a specific order, allowing the borrower to access larger lines of credit. Achieving faster access to building your business, strengthens your relationships with the bank, and gives you additional benefits like 0% interest.
Want To See Some Of Our
Success Story?
Want To See Some Of Our Success Story?
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.
CASE STUDY #5
How Justin Baums from Baum’s Boots Secured $85,000 at 0% Interest in Just 60 Days for His Retail & E-commerce Boots Store
Client Name: Justin Baums
Business: Baum's Boots
Business Type: Retail/E-Commerce Shop
Location: Kentucky
Time to get the results: 60 Days
Description:
Justin Baum came in skeptical after being pitched every day by high-interest MCA lenders with weekly payments. We helped him secure the working capital at 0% interest to grow his e-commerce and brick-and-mortar operations.
CASE STUDY #6
How We Helped Saju Skaria Secure $75,000 at 0% Interest in Just 12 Days—No Collateral, Tax Returns, or Proof of Revenue Required
Client Name: Saju Skaria
Business: Digitech Services
Business Type: Tech
Location: Arizona
Time to get the results: 12 Days
Description:
Saju came to us needing payroll capital and recurring funding every 90 days. We secured his first $75,000 at 0% interest—approved within just 12 days.
CASE STUDY #7
How We Helped Gary Vanderpool Secure $100,000 at 0% Interest to Launch His First Real Estate Venture—Without Any Prior Business Revenue / History
Client Name: Gary Vanderpool
Business: USA Management Group LLC
Business Type: Real Estate (Startup)
Location: Florida
Time to get the results: 30+ Days
Description:
Gary came to us with a pre-revenue business and a goal to secure 0% interest funding for his real estate project. We helped him access the capital he needed—without collateral, revenue, or tax returns.
CASE STUDY #8
How Jimmy Adair and His Wife Launched Their First Trucking Automation Business with $60,000 at 0% Interest—Secured in Just 30 Days with a 1-Year-Old LLC Making $0/Month
Client Name: Jimmy Adair
Business: Lives Change Here LLC
Business Type: Trucking Passive Income Investment
Location: Utah
Time to get the results: 35 Days
Description:
Here’s a case study of Jimmy, who came to us with the goal of securing $60K to invest in a DFY Trucking Automation company and start with his first truck. Ultimately, his goal is to scale to 2–3 trucks per year.
CASE STUDY #9
How Bradley Campbell & His Partner Luke Expanded Their Turo Car Rental Fleet with $37,000 at 0% Interest—Without Touching Personal Savings or Taking Risky Loans
Client Name: Bradley Campbell
Business: Champion Auto Management
Business Type: Car Rental
Location: Nevada
Time to get the results: 60 Days
Description:
Bradley wanted to expand his Turo fleet but already had a lot of business credit, which made banks hesitant. We were upfront—his situation was tough due to "too much available credit". But by tapping into our network of credit unions and smaller banks, we still secured him $37,000 at 0% interest to grow his car rental business without touching his savings.
VIDEO TESTIMONIAL
How We Helped James Dolezal Grows His Logistics Company with $140,000 in 0% Interest Funding for 12-Months Term —All in Just 14 Days
“I wasn’t expecting much... but they really came through. Within two weeks, they got me the $140K I needed, and at 0% interest.”“ That’s huge for a business like mine when you’re just trying to stay afloat without adding a ton of debt.”“If you’ve been through the same headaches I have, I seriously recommend giving Bluewater a shot".
- James Dolezal - Founder & CEO of Eagle Logistic
VIDEO TESTIMONIAL
How We Funded Felix Navarro with $100,000 in 0% APR Business Credit, Enabling Him to Expand and Hire More Employees for His Family Business
"We really needed some extra cash to invest in ads and marketing, the team was great and responsive, i referred them to some of my business friends, and they got funded as well -very good and very solid company, thank you guys"
- Felix Navarro - COO of Urban Threadz
VIDEO TESTIMONIAL
How We Helped Robert Eldana Secure $130,000 at 0% APR to Grow His Law Firm—Without Loans, Investors, or Revenue Requirements
"i decided to book a call to see what bluewater has to offer, they been very straightforward from the start and clear about the process" - "the experience was great" - "i'm farily happy" - "thank you guys, thank you Matt and Bluewater Team, looking forward to working with you again whenever i need more funding"
Robert Eldana - Lawyer
Trusted by thousands of business owners just like you.
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.
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
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.
Still Not SURE?
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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