Small business financing strategy, whaddaya think?

Hi, around the Christmas season, I plan to open a small business. I will be putting some of my money upfront for web design and some small expenses, but I need a loan for inventory, marketing, etc....I was thinking with all the 0% introductory offers I get in the mail from the credit card companies, that maybe I can use this as a short term financing. For instance, let's say I need 4000, and i get an offer that gives 0% financing on all purchases for, say, 12 months. If I know that I could pay it off within 12 months(because I will be holding on to my full time job until the biz gets off the ground, so money will still be coming in), then this is basically an interest free small biz loan. And if I need another loan, I would just find another such offer at the end of the 12 months. Has anyone ever tried this and what do you all think.

you can apply for a SBA loan,

The SBA has various types of small business loans. The Basic Loan Guaranty program is designed for those small businesses who will not get the loans from the lenders. These loans are disbursed by the commercial lenders with SBA acting as a guarantor. The Certified Development Company (CDC) Loan Program is ideal if you want to buy a property or machinery to expand or modernize your existing operations. This is a long-term loan with a fixed-rate of interest. You need to contribute 10% of the amount as equity. The micro loan program is a short-term loan with limit not more than $35,000. You can use it as a source of funding for working capital and inventory or non-profit childcare centers. However, you cannot use it to clear your existing dues. The loan prequalification program allows you to get your application reviewed and approved by the SBA before going to lenders. The limit for this program is $250,000.

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