Established MedSpa, 4 years in business · Miami, FL · 5 months
Miami MedSpa Secured Two No-PG Revolving Cards Totaling $40K
Used cash-flow underwriting cards (Ramp, Brex) plus established business credit to land $40K no-PG.
No-PG revolving
$0$40,000
Challenge
Owner wanted PG-free cards to insulate personal credit before her own home purchase.
Approach
- 01Verified 4 years TIB and >$300K annual revenue qualified for cash-flow cards.
- 02Optimized business bank statements 60 days before applying.
- 03Applied to Ramp ($20K) and Brex ($20K) sequentially.
Outcome
Both cards approved no-PG. Owner moved $14K/mo of marketing and supply spend off her personal card.
FAQs
Do Ramp and Brex really skip the PG?
Yes for qualifying businesses — they underwrite on bank-statement cash flow rather than the owner's personal credit.
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