Start Your Funding Journey
Complete this form so we can build your custom credit stacking strategy. About 10 minutes.
1
Personal
2
Business
3
Credit
4
Cards
5
Banking
6
Goals
👤
Personal Information
Basic info we need to get started. All data is encrypted and never shared.
Where are you based?
*
🇺🇸
United States
🇨🇦
Canada
🌐
Other International
🍁
Canadian? You're in the right place.
This program is specifically designed for Canadians who want access to US credit. Your existing Amex relationship is your starting advantage.
⚠
International applicants:
You'll need a US mailing address, ITIN, and often a US banking relationship to proceed. Contact us at
hello@stackeasy.ai
before submitting so we can confirm your eligibility.
First Name
*
First name is required.
Last Name
*
Last name is required.
Email
*
Email is required.
Please enter a valid email address.
Phone
*
Phone is required.
Date of Birth
*
Date of birth is required.
Current Mailing Address
*
Mailing address is required.
Do you have a US SSN?
Select...
Yes
No
Required on most US card applications.
Most Canadians apply without a SSN using an ITIN — see below.
Do you have a US ITIN?
Select...
Yes, I have one
Applied, waiting
No
Secondary ID for non-citizens without SSN.
Critical for your path.
ITIN replaces SSN on US applications. We'll guide you through the W-7 process if needed.
Continue →
🏢
Business Information
Tell us about your business. No entity yet? That's OK — we'll help you set one up.
i
Canadian residents need a US LLC
to access US business credit. Wyoming is the recommended state (low fees, strong privacy laws). We handle the entity setup as part of the program — you don't need one today to start.
Do you have a US business entity?
Yes, I have a US LLC/Corp
Non-US entity only
No entity yet
Business Name
Business Structure
Select...
Sole Proprietorship
LLC
S-Corp
C-Corp
Partnership
Do you have an EIN?
Select...
Yes
No / Need to obtain
State of Formation
Select...
Wyoming (recommended)
Delaware
Nevada
Florida
Texas
Other
N/A
Industry / Business Type
Years in Business
Select...
Not started yet
Less than 1 year
1–2 years
3–5 years
5+ years
Annual Business Revenue
Business Website
US Business Address
US Business Phone
← Back
Continue →
📈
Credit Profile
Estimates are fine. This determines your starting point and which issuers are available to you.
i
Find your scores free at
Credit Karma
(TransUnion + Equifax) and
Experian.com
. Use FICO scores if possible — VantageScore tends to run higher.
i
Use
Borrowell
(Equifax Canada) and
Credit Karma Canada
(TransUnion Canada) for free Canadian scores.
Important:
if you don't have US credit history yet, enter your Canadian scores — our team will factor in your Amex Global Transfer eligibility when building your strategy.
i
Enter whatever credit scores you have access to. If you have no US credit history yet, our strategy will focus on establishing it first.
Experian Score
TransUnion Score
Equifax Score
Score Type
US FICO
US VantageScore
Canadian Score
Not Sure
Total Open Credit Accounts
New Accounts (Last 24 Months)
*
Your X/24 number — critical for Chase and most issuers. Enter 0 if none.
Required — enter 0 if none.
Hard Inquiries Per Bureau (Last 12 Months)
Check your credit reports or Credit Karma for hard inquiry counts.
Oldest Credit Account Age
Select...
Less than 1 year
1–3 years
3–5 years
5–10 years
10+ years
Any Negative Items?
None
Late Payments
Collections
Charge-Offs
Bankruptcy
Frozen Bureaus?
None frozen
Experian
TransUnion
Equifax
Upload Your Credit Report
(Optional)
⚡
Auto-fill your credit data.
Upload a PDF or screenshot of any credit report (Credit Karma, Experian, myFICO) and we'll automatically extract your scores, inquiry counts, and account history — no manual entry needed.
📄
Click to upload or drag & drop
PDF, JPG, or PNG — max 15MB • All 3 bureaus preferred
📄
×
Your report is encrypted and only accessible to your assigned strategist. We never share or sell data.
← Back
Continue →
💳
Existing Credit Cards
Every card you hold affects which issuers and products are available to you. List them all.
⚡ Your Amex Advantage — Global Transfer
If you hold a Canadian American Express card, you can transfer your credit history to a new US Amex account — no US credit history required. This is typically the first card in your strategy and the single biggest advantage Canadians have. Make sure to note your Canadian Amex below.
i
Include
all
cards — personal, business, US and international. Each card affects your X/24 count, issuer velocity rules, and application strategy.
i
Include
all
cards — Canadian and US, personal and business. Canadian cards still count toward your X/24. An existing Amex is particularly important to note.
×
Issuer
Select issuer...
American Express
Chase
Bank of America
Citi
Capital One
Discover
Wells Fargo
US Bank
Barclays
TD Canada
RBC
Scotiabank
CIBC
BMO
Other
Card Name
Credit Limit
Date Opened
Type
Type...
Personal
Business
+ Add Another Card
No cards yet? Skip ahead — that's fine.
Do you have an existing American Express card?
Yes — US Amex
Yes — Canadian Amex
Yes — other country
No Amex
Existing US Amex holders can product-change and leverage NLL offers.
Canadian Amex = Global Transfer eligibility. This is the most common starting point for Canadians.
Denied by any issuer in the last 12 months?
← Back
Continue →
🏦
Banking Relationships
Existing bank relationships improve approval odds and credit limits significantly.
🍁
TD Canada Trust = TD Bank US.
If you bank with TD in Canada, you already have a relationship with TD Bank in the US — this is your most valuable cross-border asset for card approvals.
US bank accounts
*
Chase
Bank of America
Wells Fargo
Citi
US Bank
PNC
TD Bank (US)
Wise
Mercury
Relay
No US bank accounts
Other
Please select at least one option.
Canadian bank accounts
(helps us assess cross-border opportunities)
TD Canada Trust
RBC Royal Bank
Scotiabank
CIBC
BMO
Tangerine
Other Canadian
US business bank account?
Yes
No
Need to set up
Annual Personal Income (USD)
*
All income sources. Reported on applications — directly affects credit limits.
Annual income is required.
Monthly Housing Payment
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Continue →
🎯
Funding Goals
Help us tailor your strategy to your actual situation and timeline.
Target Funding Amount
*
Select...
$25,000 – $50,000
$50,000 – $100,000
$100,000 – $150,000
$150,000 – $250,000
$250,000+
Not sure yet
Please select a target amount.
What will you use it for?
*
Business Expenses
Real Estate
Inventory / Product
Cash Flow / Working Capital
Marketing / Growth
Equipment
Other
Please select at least one.
How soon do you need funding?
Select...
As soon as possible
1–3 months
3–6 months (standard)
Flexible
Mortgage in next 12 months?
Yes
No
Maybe
If yes, we'll protect your mortgage FICO score.
Preferred Contact Method
*
Select...
Email
Phone Call
Text / SMS
WhatsApp
Please select a contact method.
Best Time to Reach You
Select...
Morning (8am–12pm ET)
Afternoon (12–5pm ET)
Evening (5–8pm ET)
Flexible
Previously worked with a credit or funding professional?
Yes — positive experience
Yes — mixed or bad experience
No, first time
How did you hear about StackEasy?
Select...
Google Search
YouTube
TikTok
Instagram
Twitter / X
LinkedIn
Friend / Referral
Podcast
Other
Anything else we should know?
I consent to StackEasy using this information to build my funding strategy. My data is encrypted and never sold to third parties.
You must agree to continue.
← Back
Submit & Start My Journey →
✓
You're In
We've received everything and are building your custom strategy. You'll hear from us within 24 hours.
1
We analyze your credit profile, existing cards, and banking relationships
2
We build your custom application sequence with issuer-specific timing
3
You get access to your funding dashboard and a call with your strategist
Back to StackEasy →
