# Bateman Collective

- Link: https://fundandgrow.com/news/press/bateman-collective/
- Published: 2026-09-23T20:21:05+00:00
- Author: sidney wambach

The Personal Credit Shield: How to structure business credit lines under an EIN so utilization spikes never ruin your personal score or DSCR refis The 3-Round Funding Blueprint: How to systematically stack $50K to $100K per round to access $300K+ in 0% capital during your first year Paying non-card vendors with plastic: Using third-party processors like Plastiq to convert card limits into wires, ACH, or overnight checks for escrow deposits The Cashback Arbitrage: How earning 1.5% to 2% cash back or airline miles offsets processing fees and effectively makes borrowing capital better than free The 0% Renewal Loop: How to roll expiring credit limits into fresh 0% cards to keep capital interest-free indefinitely The smartest real estate investors aren’t raising expensive private money for every minor rehab cost. They are leveraging high-limit, zero-percent business credit lines to maximize velocity and net profits. Weekly episodes on what’s working right now in wholesaling, flipping, and investor operations. 01:00 Ari’s origin story 02:44 Why credit stacking works 05:17 Keeping it off personal credit 05:55 How much you can access 08:54 Extending 0% offers 10:37 Corporate credit explained 12:28 Managing cards and rewards 15:13 Funding escrow with Plastiq 17:38 Fees and tax questions 23:20 Chargebacks for protection 26:40 Why AI won’t replace experts 29:49 How Fund&Grow helps 31:53 Next steps and timeline