Not at all. Your payment plan has zero impact on your timeline or the level of service you receive. You get full access to the program from day one. Payments are made every 30 days according to the schedule outlined at enrollment, and your funding process moves forward immediately regardless of your payment option.

No, you don't need an established business to get started. Our program works for entrepreneurs at every stage, from brand-new startups to businesses that have been operating for years. Because we focus on business credit cards rather than traditional bank loans, there's no need to provide tax returns, profit statements, or years of business history. If you don't already have a business entity set up, that won't slow you down. We'll help you structure and establish your entity as part of the program. As long as you meet the credit qualifications, you're a fit.

Our program includes 3 rounds of funding over your 12-month membership. Historically, qualified clients see their first round of approvals in about 14 to 21 days. From there, we carefully time the next phases to maximize your results. A second round of applications usually happens around the 4-month mark, with a final round placed toward the end of your membership to optimize your total available credit.

No worries. You can get a quick snapshot of where you stand by completing our free pre-qualification right here: Pre-Qualify Now It only takes a minute, uses a soft inquiry that won't impact your credit score, and there's no obligation. You'll know right away what kind of results you can expect from the program. If you'd prefer to speak with someone first, you can also book a free consultation and we'll walk through everything together.

That's one of the best parts of the program. Our coaching team doesn't just help you get the credit, we show you how to use it the right way. We won't tell you where to spend your money, but we will teach you the best utilization patterns and strategies to strengthen your business credit profile over time. Learning how to properly manage and leverage your business credit is what turns a one-time approval into long-term funding power.

This is a strategic partnership. Our expert team handles the heavy lifting, including the strategy, lender targeting, and submitting applications on your behalf. Before we submit any application, you review the terms and conditions, disclosures, and each individual offer, then approve or decline before we move forward. From there, we walk you through the verification process with each bank to maximize your chances of securing the highest possible approval amounts based on your unique credit profile.

Capital One and Discover are two lenders known for reporting business card activity to your personal credit reports, so we avoid them in our program. It's our job to know exactly which lenders to target and which to steer clear of. The business credit cards we help you acquire are designed to report only to the business credit bureaus under normal use. As long as you keep your accounts in good standing, your personal credit report stays untouched.

Because we exclusively target business credit cards with 0% introductory APR promotional periods, your only obligation during that window is the minimum payment, which is typically 1% to 3% of your outstanding balance or a small fixed amount like $25 to $35, depending on the issuer. One of the biggest advantages of a 0% promotional period is that every dollar you pay goes directly toward your balance, not toward interest. There are no amortization fees, so you're paying down 100% principal with every payment. To build a strong relationship with your lenders and set yourself up for future credit increases, we recommend making 2 to 3 times the minimum payment whenever possible. Our goal is to help you pay off the balance in full before the promotional period ends so you never pay a dime in interest.

If your credit profile isn't quite ready for funding, we can point you in the right direction. We work alongside trusted, third-party credit optimization specialists who offer their own separate service to help get your profile funding-ready. Once your credit is in position, you can come back to us and we'll get to work building your business credit.

Our membership is a 12-month program designed to help you secure up to $300,000 in unsecured business credit cards. We exclusively target business credit cards that offer 0% introductory APR promotional periods. You choose the payment option that works best for you. Option one is a one-time flat fee with no back-end costs. Option two is a $97 application fee plus 9% of the business credit obtained after each round of funding. Both options include up to 3 rounds of funding, a full year of one-on-one expert coaching, help structuring your business entity, corporate credit building, and a 60-day money-back guarantee on the flat-fee option.

We can't guarantee an exact amount for the total membership or for each round of funding. Historically, qualified clients have secured between $30,000 and $80,000 in unsecured business credit during their first round of applications, with totals reaching $175,000 to $300,000 over the course of the full membership. Your results will depend on your personal and business creditworthiness, but our team will guide you every step of the way to position you for the highest possible approvals.

We offer a 60-day money-back guarantee on our flat-fee membership option. If we're unable to help you secure business credit within that timeframe, you're eligible for a refund of your membership fee, minus a standard 4% processing fee. Please refer to our Terms of Service for full details on the guarantee policy.

High personal debt doesn't necessarily disqualify you, but it can impact your business credit card approval amounts. To position you for the strongest approvals, we recommend getting your personal revolving account balances at or below 35% of your credit limits before each round of applications. There are several ways to get there, including using existing savings, retirement account strategies, or for clients with strong business financials and cash flow, exploring a business line of credit to restructure your overall debt. Your Fund&Grow coach will walk you through the best approach for your situation so you're in the best position to get approved. We also recommend keeping your business revolving accounts at or below 50% utilization before each round.

We always want to protect your financial goals outside of our program. The business credit card application process involves submitting approximately 5 applications per round, which will result in new inquiries on your credit report. If you're in the middle of a mortgage or refinance, those inquiries could impact your loan terms. We recommend completing that process first. Just let your Fund&Grow Success Advocate know and we'll place your file on hold until you're ready. Your 12-month membership pauses while you're on hold, so you'll always receive your full three rounds of funding without losing any time.

Corporate credit is tied to your business entity only and does not require a personal guarantee. It typically comes in the form of Net30 or Net60 vendor accounts, meaning you purchase a product or service and pay the balance within 30 or 60 days. The benefit of corporate credit is that it builds your business credit profile with agencies like Dun & Bradstreet without putting your personal credit at risk. Over time, a strong corporate credit profile can open the door to advanced financing options like high-dollar business loans and non-recourse mortgages, where the business qualifies entirely on its own merits and the owner carries no personal liability.

Business credit in the form of credit cards does require a personal guarantee, but offers significantly higher credit limits and far more flexibility in how you use the funds. For well-qualified clients, our business credit card program is designed to help you build up to $300,000 in available business credit. These cards can be used for inventory, marketing, payroll, equipment, and more, giving you immediate access to capital without giving up equity or collateral.

Both forms of credit are powerful tools, and our program helps you take advantage of both. The stronger your overall business credit profile becomes, the more opportunities open up for higher limits, lower interest rates, and larger financing down the road.

We periodically offer a special where you can add a secondary applicant to your file at no additional cost. This can be a family member, business partner, or someone you work closely with. The secondary applicant goes through their own separate rounds of funding to secure their own business credit cards, so they are not a co-applicant on your accounts. Both of you receive your own individual funding under the same 12-month membership, which begins when the file is originally opened. Funding totals are based on the combined amount for both the primary and secondary applicant. A secondary can be removed and replaced at any time, as long as we haven't already obtained funding for that individual. All standard terms of service apply to the entire file.