The 0% Credit Card Funding Hack: How to Get $50K–$250K Fast (and Even Get Paid Interest)
Release Date: 11/14/2025
Money Ripples Podcast
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What if you could access 0% funding from $50,000 up to $250,000 and strategically use it to grow your business, invest in real estate, and even stack rewards so the money effectively pays you?
In this episode I sit down with Ari Page, owner of Fund&Grow, to unpack how 0% business credit cards and a smart card-stacking strategy can create real, usable liquidity when traditional banks say “no.”
Ari’s story starts in 2007 inside a mortgage company as LTVs shrank overnight and deals collapsed. The workaround they found business credit cards that don’t report to your personal credit and offer 0% introductory periods (six to as long as 22 months) became a scalable system for entrepreneurs, investors, and professionals who need fast, flexible capital. We break down why these products are treated more like micro-loans than mortgages, why they’re less regulated, and how banks use 0% offers to attract high-quality business clients (so you can benefit from the teaser rates, points, and perks).
We go deep on the card-stacking sequence: which issuers to start with, how merging limits works (e.g., opening a new 0% card and combining it with an existing line to make the larger line 0%), and why keeping utilization off personal cards preserves your FICO while you continue stacking on the EIN side. We also cover the DSCR-style thinking for small business owners why liquidity at 0% can be more valuable than chasing higher-cost lines and how to avoid the biggest mistakes (like using this for personal bills or speculative trading). If you’re a dentist buying equipment, a contractor scaling crews, or a real estate investor funding marketing and light rehabs, this is built for you.
One of my favorite tactical nuggets: using a business credit card for contractor payments.
If workmanship isn’t up to code or a project stalls, you have chargeback/dispute protection forcing the vendor to respond to the bank (not just you). That leverage can get the job finished, protect timelines, and preserve capital. Add in 2% cash-back options and the airline transfer sweet spots (move points from the card portal to the airline account for outsized value), and your effective cost of capital drops even further.
Who is this not for? Folks with poor credit, people trying to make next month’s mortgage payment, or anyone looking to punt into bonds/crypto directly with cards. Who is it for? Responsible entrepreneurs, professionals, and real estate investors who want low-cost working capital to buy equipment, fund marketing, bridge project timelines, and scale with discipline.
Ari also shares a no-inquiry, soft-pull prequalification to see your potential total limits and a consult to map your sequence. If you’ve felt boxed out by today’s tight lending, this episode shows a practical, compliant path to work-optional faster: build liquidity, protect your credit, and put other people’s money to work at 0%.
Ari Page's links:
- LinkedIn: https://www.linkedin.com/in/aripageceo/
- Facebook: https://www.facebook.com/aripage.fundandgrow/
- Instagram: https://www.instagram.com/aripage.fundandgrow/
- Website: https://funding.fundandgrow.com/f-g-organic-linkedin1724878205877