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  • 😎 Sales pro's credit guide, The RFP Reframe, $0 to 7-figs/yr as a W2 seller in 11 years: here's how.

😎 Sales pro's credit guide, The RFP Reframe, $0 to 7-figs/yr as a W2 seller in 11 years: here's how.

Learn how Jack McColl, owner of Credit Stacking 2.0, would begin taking advantage of business credit as a sales professional who's looking to fund a side hustle or new business idea.

December 03, 2025

IN THIS EDITION

Big milestone for Because of Sales this week.

Yes we recently passed 5,000 readers, which is amazing. Thank you guys.

But more importantly, this week’s guest was the first (and maybe the only ever) to fly his plane down to Austin, TX in order to be on our show.

If you don’t watch our podcast, what are you doing?? Subscribe here!

It’s like our emails but… longer. And more thorough. And maybe more fun.

Anyways, here’s to our first pilot guest and his credit-stacking advice for sales pros who are ready to take their big swing:

  • Credit-stacking for sales pros: How and Why - Jack McColl

  • Avoid the RFP time-suck with this methodology

  • 11 year breakdown from $0 to 7-fig W2 in sales

  • And more…

LIVE FROM THE SALES FLOOR

Recent Events

Tips + Tricks

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OUR SPONSOR

This week’s sponsor is The Serial Sales Community.

Ever wondered what life would be like if you were 100% remote?

In control of your schedule and earning potential?

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TSSC specializes in helping sales pros transition from any sales industry, into the world of 1099 remote appointment setting and closing.

No in-person morning meetings. No drive-time.

Sell from home, using your phone or laptop, always.

Travel if you want, so long as you have a wifi connection.

You can even do this while on the other side of the world if you’re a digital nomad type.

If you’re interested in seeing the roles people land with our team, you can check them out here, including role type, niche, and OTEs.

You won’t find these roles on LinkedIn or Indeed, you’ll find them in TSSC.

Want in on the fun?

Mention “Because of Sales” for a 5% discount on 6 months or lifetime access.

Now, back to the newsletter…

SELLER’S SECRETS

Who is Jack McColl, and what is Credit Stacking 2.0?

Jack McColl, based near Salt Lake City, is a serial entrepreneur turned business‑credit coach. Credit Stacking 2.0 helps small business owners and aspiring founders access 0%‑interest business capital and high‑limit credit to fund ventures work toward build financial freedom. He’s done six‑ and seven‑figure deals across ecommerce, travel, and real estate, and now runs consulting and done‑for‑you funding services.

Check out Jack’s full interview on Youtube, Spotify, or Apple Podcasts.

Jack’s come up (in 10 bullet points)

  • Grew up snowboarding, fully sponsored and growing social media presence

  • Post‑college, competed & video‑featured in snowboard contests (early 20s).

  • Noticed limited upside in pro snowboarding; pivoted into business.

  • Was one of the masterminds behind the viral ecom hoverboard trend

  • Used social influence + influencer marketing to sell high‑margin goods.

  • Next business: Organizing bad-ass Cabo spring break trips.

  • Ended up selling this business, remained working inside for 1.5 yrs.

  • Then went all-in on the Airbnb game in Bali.

  • COVID through a wrench in that. This is when he discovered biz credit.

  • 2020 - Present: Helping founders strategically scale with use of credit

Jack’s sales alpha and best practices

Itch to start your own thing? Save your commissions, do this instead.

Jack’s edge lies in seeing credit as capital leverage. Instead of using personal savings or equity partners, he discovered when structured correctly, that high‑limit, 0% interest business credit cards can fund ecommerce inventory, real‑estate deals, or other ventures with minimal upfront cash.

This shift turned what was once risky or capital‑constrained into repeatable, scalable financial firepower. What makes this powerful: it requires no collateral or tax returns, only strong credit and relationships with the right banks.

Get the results. Sell the results.

Another core tactic Jack’s seen success with was using customer data & social proof to build trust for a coaching offer (in this case with his Credit Stacking offering). When launching his funding/coaching service, Jack offered free strategy calls to early adopters, collected detailed testimonials, refined his message based on feedback before even building the actual “offer”.

So lower up-front launch friction + a product offering that was proven to drive significant results worth charging for. A win-win.

Row a boat that’s worth rowing (and that other people want to row).

Jack treats marketing and sales as a perfectly in sync engine. Once he validated product-market fit organically (via content + free calls), he scaled with paid ads, building a full stack: creatives, copy, media buyers, a sales team.

This allows him to multiply reach without sacrificing credibility; and by delegating to experts (e.g. good media‑buyers or sales talent), he ensured performance quality without overloading himself.

4 things to steal, 4 tips to implement

#1: Build credit before you need capital

  • Audit your credit profile today. A good record is crucial to being funded.

  • If negative history: dispute or hire a repair service before you need funding.

  • Take a couple of high-limit card reccs from Jack, be sure to space them out.

  • Keep payment history clean while building $40k-$80k line to start.

#2: For that side hustle: Use 0% business funding, not commissions.

  • Research which banks offer 0% introductory business‑card terms.

  • Use credit for initial costs (inventory, supplies, etc.), not personal cash.

  • Pay off balances before interest kicks in, use profit from the venture to repay.

  • Keep personal savings personal. Treat credit like the business’ working capital.

#3: Apply for the right cards, not just what the bank pushes.

  • Jack says: Chase Freedom Unlimited, Chase Sapphire, Amex Gold, Built Card.

  • Apply for 1–2 cards max every 6 months to avoid “recent account” denials.

  • Prioritize tier-1 banks (Chase, Amex, Wells, BofA) with 0% biz card options.

  • Avoid Capital One and credit unions, they’ll choke your future approvals.

#4: Set a “freedom number” before you quit your sales gig

  • Don’t wait for the “perfect business”, identify your path to freedom early.

  • Define how much cashflow or net worth gives you the ability to quit.

  • Use your current job to fund the runway, not just your lifestyle.

  • Use your sales gig as a springboard to make it happen sooner.

Connect with Jack

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