Why 0% Funding Costs More Than a Business Loan

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Издатель Sep 2, 2026

That zero-percent funding everyone's pushing? It can cost you thousands before you spend a dime on the job.

Here's the part nobody mentions when they pitch you "free" money. A contractor gets stacked into six figures of credit cards, and the fee comes straight off the top — so he's in the hole before he swings a hammer. Then the introductory rate runs out around month twelve, and the interest starts piling on top of what he already owed.

Now take that same amount as a business loan. You know the payment. You know the term. You know the payoff date on day one. And in many cases, it's simply cheaper.

That's the whole argument, and it isn't a flashy one: the boring money usually costs less. Predictable beats "zero percent" the moment you run the two side by side. The thing is, most contractors never run that comparison — they take whatever offer's in front of them.

Comment COST and I'll send you the side-by-side on your real numbers — cards versus a business loan — so you can see the gap yourself. Take the boring money.

Related video: [Business Loan vs. Line of Credit — link]
Free tool: [Cards-vs-Loan Cost Calculator — link]
See your options: www.keysforbusiness.com/masterclass

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