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- Link: https://fundandgrow.com/
- Published: 2026-07-20T20:45:00+00:00
- Author: carolina

Do you need business funding but aren’t sure where to start? More than 35,000 business owners have worked with Fund&Grow to secure funding on their terms. No banks demanding two years of financials. No asset backing required. No investors asking for a stake in your company. Just flexible capital to put toward what matters most, their business. See Your Funding PotentialLearn More All business credit cards require a personal guarantee. Accounts typically do not report to personal credit when kept in good standing. As seen in Why traditional funding doesn’t work for most entrepreneurs Banks ask for tax returns, collateral, and endless documentation. Investors want equity. Hard money lenders want double-digit interest rates. If your business is new, or if you don’t want to risk your personal assets or give up ownership, traditional funding paths aren’t built for you. There’s another way. Business credit cards with 0% introductory APR give you access to real capital without the traditional barriers. There may still be options available even if your business is one day old. Qualification depends on your personal credit profile, EIN, and overall financial profile. Understanding how business credit cards report and how to properly manage them is part of what Fund&Grow teaches clients. Fund&Grow has spent over 19 years helping entrepreneurs remove the roadblocks. We teach you the process, help you negotiate with banks, and show you skills you’ll use for the rest of your business life. *Business credit cards are issued by third-party lenders, most require a personal guarantee, and late payments may be reported to personal credit. What JoiningFund&Grow Looks Like Our comprehensive approach helps support your business for stronger approvals with major lenders. Business Credit Ease of Use Learn how to utilize business credit cards like a line of credit for a smoother use of funds. Strategic Application Sequencing We manage application order and timing to reduce credit impact and protect approvals. Bank-Behavior Optimization We tailor application strategies to your unique profile and lender approval criteria. OngoingCoaching Support One-on-one coaching helps refine strategy, navigate challenges, and use credit strategically. Credit-Stacking
Method We help you leverage 0% intro APR business credit cards across multiple rounds to support growth. Business Credit Profile Optimization We review your credit profile before and after rounds to provide next-steps on growth and future opportunities. Business Separation Strategy We coordinate funding strategy around personal-business separation and connect qualified professionals when needed. 12 Months of Active Guidance A full year of one-on-one guidance from funding and credit experts to build a stronger capital stack foundation for strategic, long-term business growth. Start my program today Applying Is Easy 
Maximizing Approvals Is Not Based on internal Fund&Grow data from 35,000+ clients. More Than Funding. A Skillset You Keep Forever. Most funding programs get you capital and move on. This one gives you something that compounds over time: the knowledge to keep growing your business credit long after you’ve stopped working with us. From day one, you’re guided through every step of the process. Not handed a result you don’t understand, but walked through the logic behind it so it becomes a strategy you own. Here is what this experience looks like Over time, the results reflect the strategy: clients who go through this process secure approximately 72.4% more in total credit than those who apply independently or through other services. You don’t just walk away funded. You walk away equipped. See How Much You Could Access Why Business Credit Cards Work for Growing Your Business 0% Introductory APRCollapseAccess business credit cards with 0% introductory APR for periods ranging from 12 to 18 months. Use the capital for marketing, inventory, real estate, payroll, equipment, or whatever your business needs. Pay it back on your timeline without interest eating into your margins. No Equity RequiredExpandKeep 100% ownership of your business. Unlike investors or venture capital, business credit cards don’t require you to give up a stake in what you’re building. The capital is yours to use. The business stays yours to own. No Collateral RequiredExpandYou don’t need to put your house, car, or other assets on the line. Business credit cards are unsecured, meaning you can access capital without risking your personal property. Reports Under Your Business, Not Your Personal CreditExpandOnce established, these credit lines report under your business’s EIN. This protects your personal credit utilization while helping you build a strong business credit profile for future funding opportunities. Available to New BusinessesExpandTraditional lenders require two years of business history before they’ll consider your application. Business credit cards don’t have that requirement. If you have your EIN, you can qualify regardless of how long your business has been operating. If you don’t have one yet, that’s something we can help you with. This opens the door for entrepreneurs who need capital today, not two years from now. Trusted by Thousands of Businesses Nationwide 19+ Years Helping entrepreneurs secure capital since 2007 $2B+ Total funding secured for our clients 35,000+ Entrepreneurs and business owners served A+ BBB Rating Better Business Bureau Accredited Inc. 5,000 Helping entrepreneurs access capital since the late 2000s The AI Trap AI is a helpful tool, but it cannot safeguard your data or replicate the insight built from hundreds of real client outcomes. AI Can AI Cannot 72.4%* More Funding Than Going It Alone On average, Fund&Grow clients secure approximately 72.4% more in total business credit card limits than they would applying on their own or through other services. Why? Because we’ve spent over 19 years learning how banks think, which cards to target, what order to apply, and how to help our clients negotiate for higher limits. We teach you these strategies so you get the best results possible. *Based on internal Fund&Grow data from the past 12 months. Initial funding in as little as 14 to 21 days. Well-qualified clients often see $30,000 to $80,000 in available credit from their first round of applications. Some clients access up to $300,000 over the course of a 12-month program. Results vary. Results depend on your overall credit profile, usage behavior, and how closely you follow our guidance. But with over $2 billion in total funding secured, our track record speaks for itself. See What’s Possible Don’t take our word for it. Watch real clients share their funding experiences, the amounts they accessed, and what they learned along the way. See More Client Results Results not typical. Individual results vary based on credit profile, business structure, and participation in the program. Actively Supporting Community The Traditional Way vs. The Fund&Grow Way Traditional Funding Fund&Grow Banks require 2+ years of business history ✓ Work with businesses as new as one day old Investors want equity in your company ✓ Keep 100% ownership Loans require collateral ✓ No collateral required High interest rates (10-30%+) ✓ 0% introductory APR (6-18 months) Weeks or months to get approved ✓ Initial funding in as little as 14-21 days You figure it out on your own ✓ Dedicated team coaching you through every step Want to See How It Works? Join our free training and learn the step-by-step process thousands of entrepreneurs have used to access up to $300,000 in 0% introductory APR business credit card funding. Book a Call Frequently Asked Questions How is this different from just applying for credit cards myself?CollapseYou can apply on your own, but on average, our clients secure up to 72.4%* more in funding than if they would have applied alone or used another company. We know which banks to approach, in what order, and how to help you negotiate for higher limits. My business is brand new. Can you still help me?ExpandYes. Your business could be one day old. As long as you have good personal credit and your EIN, we can start working with you. Traditional lenders require two years of business history. Business credit cards don’t have that requirement. Will this affect my personal credit?ExpandBusiness credit cards report under your business’s EIN, not on your personal credit report. When applying directly with lenders a hard inquiry may occur but only impacts your score by a few points. Ongoing business balances and utilization don’t show up on your personal credit unless defaulted. How fast can I get funded?ExpandOn average, many clients see their initial funding in as little as 14 to 21 days of starting the program. Some client timelines may vary based on their credit profile. How much can I expect to receive?ExpandResults vary based on your credit profile and how closely you follow our recommendations. Over the course of a 12-month program, many clients access up to $300,000. Some clients access $30,000 to $80,000 in available credit within the first two weeks. What if I get denied?ExpandDenials happen. What matters is what you do next. Being denied is not always the final decision. Through our guidance we show you how to navigate reconsideration with lenders, teach you exactly what to say, and who to contact to reverse that decision. In many cases, we can help you turn a no into a yes. What industries do you work with?ExpandMost industries are lender-friendly. For businesses that face stricter underwriting, we’ll match you with the best options, and a clear plan to maximize approvals. Do business credit cards require a personal guarantee?ExpandYes. Most business credit cards require a personal guarantee. However, when managed properly, these accounts typically report under your business and not your personal credit profile. What is a personal guarantee, and how does it affect me when applying for business credit cards?ExpandA personal guarantee is a standard requirement for business credit cards. It means you agree to be personally responsible for the debt if your business does not repay it, which gives lenders added assurance when evaluating applications. Fund&Grow provides tools, resources, and coaching to help clients manage accounts responsibly. While many business credit cards do not report ongoing activity to personal credit bureaus when kept in good standing, late payments or defaults may be reported. Ready to Access the Capital You Need? Join our free training and learn the step-by-step process thousands of entrepreneurs have used to access up to $300,000 in 0% APR business credit cards. See Your Funding PotentialWatch the Free TrainingScroll to top