*Product & Approval: 'Funding' typically comes in the form of business credit cards. All credit is subject to lender approval. Up to $300,000 in business credit is for well qualified clients, typically with two partners, over the 12-month membership with multiple business credit card rounds for each partner.
Interest Rates & Fees: Introductory 0% APR applies for 12-18 months, after which rates revert to standard rates (typically 15-25% APR). Balance transfers typically carry a 3-5% fee. You can not "extract" or "convert" cash from a business credit card. Instead you can use compliant services to bill pay, in accordance with card issuer rules. If you use bill payment services like Plastiq or Melio to pay business expenses with business credit cards, these services typically charge 2.5 - 3% processing fees. The 60-day money-back guarantee applies only if the client does not obtain credit.
Personal Credit Impact & Liability: Applications require a personal credit check and personal guarantee. We work with issuers that typically do not report ongoing debt and activity to personal credit bureaus when accounts are kept in good standing. You are personally liable for all debt, even when the credit issuers decide not to report that debt to your credit report. However, late payments will be reported and will damage your personal credit score and can result in the loss of 0% introductory rates.
Our Services: Fund&Grow provides a 12-month educational program including: business entity setup assistance, credit utilization coaching, guidance through credit card applications, bank communication coaching, and ongoing financial coaching support.
Disclaimers: Fund&Grow is not a credit repair organization. Our focus is on building credit for your business entity.
We are not a lender or loan broker. We do not guarantee funding. All credit decisions are made by third-party lenders.
Results Disclosure: Well-qualified clients, typically with two partners, and strong personal credit profiles of 700+ may access up to $300,000 or more in total business credit across multiple funding rounds. The testimonials shown represent exceptional outcomes. The average client who completes our 12-month program obtains approximately $50,000 to $150,000 in total business credit. Individual results vary significantly based on personal credit profile, business history, and other factors.
Financial Risk: You are responsible for all debts incurred. Consult your financial advisor to determine if business credit is appropriate for your situation.
The Credit Monitoring link connects to Fund&Grow Credit Services, a related entity. Fund&Grow may receive compensation upon enrollment.
72.4% figure based on internal Fund&Grow client data.
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