Not at all, you can get started immediately with the full program even when using a payment plan.

The program works for any and all businesses and investors. It is perfect for start-ups because you do not need to provide tax returns or profit statements.

On average, most clients receive funding within the first 30-45 days. For Performance Based clients, it’s 15-30 days.

We will pull a soft pull of your credit reports and do a full review of your profile during your free consultation. This soft pull does not negatively impact your credit since it is not a hard inquiry.

Absolutely! Our team of expert consultants can advise with the best utilization to optimize both your personal credit as well as investing wisely (safely) into your business.

This is a done-with-you service. The Fund&Grow team handles the strategy, start to finish, and will walk you through the steps required to maximize your chances of the highest approval amounts based on your credit profile.

Capital One and Discover are two business credit lenders who report to the personal credit reports. The Fund&Grow team will not use them for business credit. It is our job to know which lenders to utilize and which to avoid. Any business credit acquired through the Fund&Grow business credit card stacking program WILL NOT report to your personal credit, unless you request and approve that strategy.

The business credit card minimum payments are typically calculated as a percentage of your outstanding balance, usually ranging from 1% to 3%. However, some issuers may use a fixed dollar amount, such as $25 or $35, as the minimum payment. Fund&Grow recommends making 2-3 times the minimum payment on the accounts obtained so your business can build a strong relationship with lenders.

Fund&Grow has a credit repair affiliate and recommends using their separate service. While your credit is in repair, the Fund&Grow team can help you work on other corporate credit-building strategies.

Fund&Grow offers two types of memberships. Option one is the Performance-Based program where you pay $1 to sign up and pay 8% of all funding obtained. Option two is a 12-month membership where you can obtain up to $250,000 in 0% interest funding through multiple rounds of funding. The 12-month option is a one-time fee and you do not pay anything on the back-end. The 12-month membership also gives you access to 12-months of one-on-one support, access to the DIY Corporate Credit program, among many other special perks.

Fund&Grow cannot guarantee an exact amount for the total membership or for each round of funding. On average, clients receive between $30,000 and $80,000 in their first round of funding and up to $175,000 to $250,000 after their membership is completed. The amount of funding obtained is based on personal and business creditworthiness. Fund&Grow will guide you, so you are in the best position to obtain the highest funding amounts possible.

Fund&Grow offers a 60-day money-back guarantee which includes a complete refund, minus a 4% processing fee. Please refer to the Terms of Service to review the entire 60-day money-back guarantee policy.

Fund&Grow will provide every option to spread your debt out between other accounts, use different loans to manage your debt, and help you obtain a personal or business consolidation loan. To obtain the consolidation loan, proof of personal and/or business income is necessary. We recommend keeping personal revolving accounts down to 35%, or lower, debt to credit limit. Fund&Grow will recommend getting your business revolving accounts down to 50%, or lower, before each round of applications.

We don’t want to hurt your chances of obtaining any loans you are currently seeking. The business credit card stacking process requires the submission of 4-6 applications, so expect new inquiries from each lender on your report on the day of applications. Before applying for business credit cards, we recommend completing any mortgage or refinance processes, since these inquiries can impact your loan amount. Let your Fund&Grow Success Advocate know if you're planning to apply for a loan, so we can place your file on hold until you have completed the loan process and are ready to proceed with our program.

Corporate Credit is based on the business only and is not tied to the owner. In other words, corporate credit is not personally guaranteed. Most corporate credit is billed Net30 or Net60, meaning you will purchase a product or good and then you will need to pay off the balance within 30 or 60 days, depending on the terms of the lender. Business Credit in the form of credit cards are personally guaranteed but also have higher limits and allows the user to use the credit in multiple ways. Both forms of credit are great ways to establish business credit which will allow banks to lend at a higher limit with lower interest rates.

From time-to-time Fund&Grow offers a special where you can add another person to your file at no additional cost. During this special, you may only add one family member, business partner, or personal friend to your file. Both you and the secondary will be included under the same file and normal terms of service will apply to the entire file. Both parties in the file will receive their own funding under the same timeframe. The 12-month membership begins when the file is opened, not when the secondary is added to the file. In other words, both clients will use the same 12-month timeframe. The secondary will go through their own separate rounds of funding to secure their own business credit cards, instead of working as a co-applicant. Funding totals will be based on the combined amount for both the primary and secondary of the file. A secondary can be removed and replaced at any time, unless Fund&Grow has already obtained funding for that individual.