Utilizing credit cards for business financing can be a risky proposition. The interest rates and amounts that are typically borrowed on these cards means that they were never intended to fill in for commercial loans. However, that being said, the likes of MasterCard and Visa can be used
as a stop gap measure in the time between having an initial idea or
needing immediate funds, and getting the venture capital that is needed.

There are a number of strategies that can be used when using these cards. The first of these is to get a low fixed rate or zero percent interest rate for a fixed period. Nine months and more is possible. Acquire what is needed on the card, and then make either minimum monthly payments until more cash is available, or spread the payments evenly over a fixed period. Another popular type of card is a prepaid business credit card which allows you to use company assets to make your purchases rather than using credit.

The second strategy again involves the use of a low or zero percent rate. Make the minimum or fixed payments and when the rate is about to expire, apply for another low or zero interest rate card and transfer the existing balance (usually a small fee is charged by the new company for transferring the balance from one card to another).  Using credit cards for business financing is not for
the faint of heart, but can be a useful strategy in getting access to
short term funding.