Ari Page has led Fund&Grow for nearly two decades, and says the company has helped tens of thousands of business owners access more than $2 billion in credit card financing with no FTC action or CFPB complaint against it. Now a regular voice in business media, he says a handful of bad actors have given the credit card funding industry a bad name — and he wants tougher rules to fix it.

Ari Page, founder of Fund&Grow, explains how credit card companies set interest rates based on borrower risk profiles like payment history, income, and debt levels. He warns that a proposed 10% rate cap could backfire, pushing lenders to deny credit entirely to higher-risk borrowers rather than offering pricier options.