How to Access $250K in 0% Business Credit (Even with Average Credit) with Ari Page

In this episode of The PETE Podcast, I sit down with Mike Banks, COO of Fund&Grow, to talk about how real estate investors and entrepreneurs can access 0% interest business credit to grow faster—without taking on risky personal debt. Mike breaks down the mechanics of business credit cards, how to qualify, and how Fund&Grow helps clients secure between $50K–$250K in funding—even with average credit.

 

We discuss the most common misconceptions about credit, how to strategically use business cards for real estate deals, and what sets apart investors who scale from those who stall. Whether you’re trying to launch a business, fund a deal, or just get your cash flow working harder, this episode is packed with practical funding strategies that most entrepreneurs overlook.

 

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Episode Highlights:

[0:00] – Meet Mike Banks, COO of Fund&Grow: helping clients secure over $1.6B in funding

[2:12] – What Fund&Grow does—and how 0% business credit works

[4:01] – The #1 mistake people make with credit (and how to fix it fast)

[5:48] – Why most entrepreneurs are underfunded, not over-leveraged

[7:00] – Using business credit to buy time, improve cash flow, and scale

[9:22] – Common myths about business credit and how to legally separate it from personal

[10:43] – What credit profile you need to qualify for $50K–$250K

[12:35] – When (and how) to start building business credit even with a new LLC

[14:04] – How Fund&Grow’s team helps clients apply, stack, and manage multiple 0% cards

[15:59] – Fund&Grow fees, structure, and what you get with the done-for-you model

[17:48] – Creative ways clients are using funding: flips, marketing, BRRRR deals, education

[20:36] – Fund&Grow’s track record and the kinds of clients they serve best

[22:01] – Real talk: how to use funding responsibly to create real ROI

[23:46] – Mike’s favorite strategy: using 0% credit to invest in lead gen and scale quickly

[25:30] – What makes Fund&Grow different from credit repair or “gurus” promising easy money

[27:19] – How to get started: Fund&Grow’s free consultation and next steps

[29:13] – Final tips: mindset, timing, and being open to creative capital

 

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5 Key Takeaways

1. Business credit is not the same as personal credit. Used correctly, it won’t impact your personal FICO and doesn’t report to personal bureaus.
2. You can access up to $250K at 0% interest—even with average credit. With the right structure and help, this is achievable for most entrepreneurs.
3. Funding buys time. You can use credit to invest in high-ROI activities like marketing or acquisitions without touching savings.
4. Fund&Grow is not credit repair. It’s a full-service, done-for-you strategy to help you qualify and stack multiple 0% cards.
5. Education + execution = results. Clients who follow the guidance and use funds strategically see the biggest ROI.

 

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Links & Resources

• Fund&Grow Free Consultation – www.fundandgrow.com
• Over $1.6B in funding secured for entrepreneurs
• Common uses: marketing, real estate deals, flipping, BRRRRs, education, and cash flow

 

Closing Remark

If this episode changed how you think about funding, go check out fundandgrow.com/pete and book a free consultation. Don’t forget to rate, follow, and review the PETE Podcast—and share this episode with someone who needs to level up their capital strategy.