Credit Stacking for Freedom

I recently sat down with Jack McColl on the Let's Go Win podcast to dig into one clear north star: freedom. Jack lives his life around that principle — and he’s built repeatable systems to help others do the same. In this post I’ll walk you through Jack’s story, the practical strategy he calls “credit stacking,” who it’s for, real success stories, the mindset and operations behind it, and the four-step framework he uses to create freedom in life and business.

Why freedom matters — Jack’s definition

For Jack, freedom means the ability “to do what you want when you want, to spend time with who you want and build that dream life of ultimate freedom.” That looks different for everyone — location freedom, time freedom, financial flexibility, travel, or simply having the capacity to create impact without being trapped in a 9–5. Jack’s journey shows deliberate choices that traded constraints for options: building businesses, selling, moving abroad, and creating online income streams.

Jack’s entrepreneurial path — from travel trips to online funding

Jack’s entrepreneurial career spans multiple ventures: a travel company organizing spring break trips, Airbnb arbitrage, dropshipping, consulting, and a signature program called Credit Stacking. Some highlights:

• Built and sold a travel company, then worked for the acquirer for about 18 months.

• Moved to Bali and ran Airbnb arbitrage before COVID impacted the business.

• Launched e-commerce and consulting services, then focused on helping entrepreneurs access business funding.

• Today he teaches business owners how to access large interest-free credit lines and optimize rewards points.

Throughout, Jack learned different funding strategies: self-funding, equity partners, bank loans (with interest), and ultimately 0% introductory business credit offers — the tool that would become the backbone of Credit Stacking.

What is Credit Stacking (0% business credit) and how it works

Credit Stacking is the process of obtaining business credit cards and lines that offer 0% introductory interest (commonly 12–18 months) and using them strategically to fund growth. Key points Jack shared:

• This approach is typically suited for entrepreneurs seeking roughly $50,000 to $300,000 in capital — not multimillion-dollar corporate financing.

• These business cards often require no tax returns, no income verification, and no bank statements; underwriting looks mainly at your personal credit profile.

• Although the cards are personally guaranteed, many business accounts do not report balances to personal credit reports — so properly used, they won’t harm your score like maxing out a personal card would.

• Intention matters: the money should be allocated toward investments or actions that generate returns within the 0% period so you can pay off balance before interest kicks in.

Jack emphasizes the practical upside: access to capital lets you hire the right people, scale faster, buy inventory or equipment, and take advantage of time-sensitive market opportunities — all without giving up equity or paying interest if managed correctly.

Who should (and shouldn’t) use this strategy

Credit stacking is powerful, but it’s not a universal solution. Jack’s guideline:

• Good fit: Entrepreneurs with a proven concept or existing cash-flow who need capital to scale quickly (e.g., ad spend for ecommerce, purchasing rental units, funding a service launch).

• Poor fit: People using credit to gamble on volatile investments (where outcomes are unpredictable) or those who lack a clear plan to pay back within the introductory term.

• Personal readiness: You need a healthy relationship with risk and the discipline to treat borrowed capital like a tool, not a crutch.

Success stories — real examples Jack shared

Jack talked about clients who used this strategy to turn ideas into businesses and pay back cards within the 0% window:

• Allan, the chiropractor: Fresh out of school, he couldn’t get a traditional bank loan. Using about $124,000 in 0% business credit, he launched his practice and made enough in the first year to pay off the cards with no interest.

• William: Used roughly $200,000 to buy a cash-flowing business. The acquired business’s cash flow paid off the 0% credit within 12 months; later he refinanced and pulled additional capital out.

• Amber: Got $300,000 of 0% credit into her real estate fix-and-flip operations, then scaled profitably. She told Jack it “changed her family’s financial future forever.”

Mindset, discipline, and the operational fundamentals

Jack’s program doesn’t stop at logistical credit strategies — it begins with mindset. A few operational pillars he insists on:

• Mindset: Treat business as daily problem-solving. The bigger the problem you solve, the bigger the reward.

• Accounting: Track and reconcile regularly. Misunderstanding your margins or expenses is a common failure mode.

• Tax strategy and entity structure: Be proactive, not reactive, to minimize unnecessary tax leakage.

• Bank relationships: Strategically build trust with banks — open business checking, show deposits, and earn bank-side benefits to maximize limits.

Jack also runs credit optimization on client profiles before any bank introductions. He assesses credit mix, hard inquiries, average account age, and collective credit limits — then executes a plan to make profiles as attractive as possible.

Rewards, travel, and the byproduct of business spend

Another byproduct of this approach is rewards points. When you route significant business spend through the right cards, you can accumulate huge travel benefits. Jack explained how proper points strategy (sometimes moving points off a bank portal into airline loyalty systems) can yield massive discounts. Example: three business-class tickets that would have cost $15,000 cash booked for 150,000 miles, while booking through the issuer’s portal might have required 1.5 million points — a 90% savings.

Jack’s travel life mirrors his freedom ideal: he’s visited 50 countries, flies business or first class using points, and often uses travel as a reminder of why he built this system in the first place.

Life beyond business: pilot license, passports, and mobility

Freedom for Jack isn’t just money. He’s a private pilot and co-owns a Cessna 206 with his brother — an investment that multiplies his ability to travel and see the country on his terms. He’s also pursuing a second passport through Serbian citizenship (a family connection), and is exploring land ownership in Idaho and Montana. Those moves are all about optionality: more borders, more bases, more ways to control your life.

The four-step framework Jack uses to build freedom

1. Develop a product or service that solves a meaningful problem. Dial in the offering so people will pay for it and it delivers clear value.

2. Get access to capital. Use strategic funding (including 0% business credit where appropriate) to inject growth capital at scale.

3. Build systems and processes. Document repeatable workflows, templates, and standard operating procedures so the business doesn’t require you for every task.

4. Hire and delegate. Bring on focused talent — including global talent for cost-effective execution — and iterate until the team becomes better at execution than you are at day-to-day tasks.

Jack adds a final practical test: step away occasionally. Take a vacation or a trip and let your systems and team run. If things break, you learn where to tighten processes; if things run smoothly, you’ve built leverage.

Risks and responsible use

Credit stacking works, but it carries real risk: if you spend on things that don’t generate return, you can face interest and financial stress. Jack’s approach minimizes that risk through careful profile optimization, bank relationships, realistic payback plans, and strong bookkeeping.

Where to learn more

If you want to explore this method further, visit his website and follow him on Instagram or LinkedIn. He offers strategy sessions to evaluate whether a credit-based growth plan is a good fit for your specific situation.

Conclusion — freedom is the point

Jack’s work is practical and aspirational at once: practical because he’s built repeatable systems to access capital without giving up equity, and aspirational because all of it funnels into the goal of living on your terms. Whether you’re building a business, expanding an investment portfolio, or just want better travel options, the key takeaway is to treat capital as a strategic tool — combined with disciplined operations and a people-first approach.

"If you have a good service, access to capital, systems and people — you create options. That’s freedom." — Jack McColl

If you’re curious and have a concrete plan for how extra capital will increase revenue within a 12–18 month horizon, this is an idea worth exploring. And if you’re not ready yet, start with the product, tighten your systems, and build the team — then circle back to funding once those foundations are solid.

Watch this full episode from the Let's Go Win podcast on YouTube.