Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.


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About Fund&Grow

Fund&Grow, a prominent player in the financial services landscape, has distinguished itself with its acclaimed business card stacking membership, recognized for its success in securing unsecured business credit for small business owners, entrepreneurs, and real estate investors across the United States. With a proven track record since 2007, Fund&Grow has facilitated access to over $1.6 billion in business funding for more than 30,000 clients, positioning itself as a reliable partner in empowering businesses to achieve their goals and dreams.

The cornerstone of Fund&Grow's services lies in its innovative approach to obtaining up to $250,000 in unsecured business credit cards, strategically transforming them into cash lines of credit. Boasting a dedicated team of over 65 members, Fund&Grow leverages its expertise to navigate the lending landscape, ensuring a seamless and hassle-free experience for clients.


Key Features

  1. Unsecured Business Credit Access. Fund&Grow specializes in securing up to $250,000 in personal credit cards for clients, providing a reliable source of capital without the need for collateral.

  2. Expert Team of 65+ Members. With a dedicated team of over 65 experts, Fund&Grow provides personalized support throughout the funding process, guiding clients in optimizing their credit portfolios for maximum benefits.

  3. Proven Track Record. Since its establishment in 2007, Fund&Grow has successfully facilitated over $1.6 billion in business funding for more than 30,000 clients, establishing itself as a trusted and proven solution.

  4. Versatile Fund Utilization. Clients can leverage unsecured business credit for various business needs, including supplies, overhead, real estate investments, vehicles, and more, promoting the growth and expansion of businesses.

  5. Credit Card Stacking Process. Fund&Grow employs a meticulous credit card stacking program to organize and optimize credit card offerings, creating a straightforward and user-friendly avenue for obtaining and managing credit lines.

  6. Transparent and BBB-Accredited. With an A+ BBB rating and a wealth of positive reviews, Fund&Grow demonstrates a commitment to transparency, client satisfaction, and ethical business practices.

  7. Empowering Entrepreneurs. Fund&Grow's mission is to empower small business owners and entrepreneurs, providing them with access to the safest and most reliable form of funding in the dynamic business landscape.

Pros and Cons


Zero-Interest Financing. Fund&Grow offers a compelling advantage with 0% introductory interest rates on business credit cards for 12 to 18 months, providing clients with a cost-effective financing option.

No Impact on Personal Credit. One of the standout features is the ability to obtain unsecured business credit without affecting personal credit reports, offering financial support while safeguarding personal creditworthiness.

Business Credit Lines. The innovative business card stacking membership allows for the conversion of credit cards into cash lines of credit, eliminating cash advance fees and enhancing flexibility in fund utilization.


Membership Cost. The upfront cost of the 12-month Business Credit Stacking Membership may be a consideration for some businesses, as it requires an investment of $3,997. However, this cost is justified by the potential benefits.

Credit Score Requirement. While Fund&Grow accepts clients with a credit score of 680 or above, businesses with lower credit scores may face challenges in qualifying for the program. Managing credit inquiries is crucial for maintaining a positive credit profile and ensuring favorable terms when applying for business financing.

Performance-Based Fee. For clients opting for the Performance-Based program, an 8% fee is charged after funding is obtained. This fee structure may be a consideration for businesses seeking more predictable costs.


Fund&Grow's reliability as a financial partner is underscored by its impressive credentials and the positive sentiment expressed by its extensive clientele. With an A+ BBB rating, Fund&Grow has demonstrated a commitment to transparency and ethical business practices. This accreditation, coupled with being listed on the Inc 5000 for seven consecutive years, attests to the company's sustained excellence and contribution to the business community.

Additionally, the 4.8-star rating on Trustpilot, based on 618 total reviews, reflects a high level of client satisfaction. This positive feedback is indicative of the reliability and effectiveness of Fund&Grow's services in assisting small business owners, entrepreneurs, and real estate investors in obtaining business credit.

How to Apply for a Fund&Grow Loan?

  1. Visit the Fund&Grow Website. Start by visiting the official Fund&Grow website. Navigate to the membership section to explore the details of the services offered and the benefits associated with the Business Credit Stacking Membership.

  2. Review Membership Options. Take the time to carefully review the available membership options. Fund&Grow typically offers a 12-month Business Credit Stacking Membership and a Performance-Based Business Credit Stacking Program. Understand the features, costs, and benefits associated with each option.

  3. Choose Your Membership. Select the membership plan that aligns with your business needs and financial goals. Consider factors such as the desired funding amount, the level of involvement you prefer, and your budget.

  4. Fill Out the Application. Complete the application form with accurate and relevant information. You may need to provide details about your business, personal credit score, and other financial information.

  5. Consultation with a Senior Funding Coach. After submitting the initial application, you may be contacted for a consultation with a Senior Funding Coach. This step allows Fund&Grow to understand your specific needs and tailor their services accordingly.

  6. Credit Review. Fund&Grow typically conducts a thorough credit review during the consultation to determine your eligibility and creditworthiness. This review helps assess the potential funding amounts and the best approach for your unique situation.

  7. Membership Confirmation. Once your application is approved, you will receive confirmation of your membership. Fund&Grow will guide you through the next steps, including credit card stacking and fund utilization strategies.

  8. Begin the Funding Process. Work closely with the Fund&Grow team to activate and utilize the obtained credit lines. This may involve the strategic use of unsecured business credit cards and their conversion into cash lines of credit.

  9. Enjoy the Benefits. Experience the benefits of the Fund&Grow membership, including access to substantial unsecured business credit, zero-interest financing, and the ability to fund various aspects of your business without impacting personal credit.

Conditions and Requirements


  1. Unsecured Business Credit Access. Fund&Grow specializes in securing unsecured business credit for its clients, offering access to up to $250,000 in credit lines.

  2. Zero-Interest Financing. Clients benefit from interest-free business credit cards for an average of 12 to 18 months, providing a cost-effective financing option.

  3. Cash Lines of Credit Conversion. The innovative business card stacking membership allows for the conversion of credit cards into cash lines of credit, eliminating cash advance fees and providing flexibility in fund utilization.

  4. No Impact on Personal Credit. Fund&Grow's funding setup is designed not to impact personal credit reports, safeguarding the creditworthiness of clients.

  5. Dedicated Team Support. With a team of over 65 members, Fund&Grow provides personalized support throughout the funding process, guiding clients in optimizing credit portfolios for maximum benefits.

  6. Versatile Fund Utilization. Unsecured business credit can be used for various business needs, including real estate investments, inventory, marketing, and other operational expenses, promoting business growth and expansion.

  7. Transparent and Accredited. Fund&Grow maintains an A+ BBB rating, reflecting its commitment to transparency and ethical business practices.


  1. Minimum Credit Score. Fund&Grow typically requires a minimum credit score of 680 or above for clients to qualify for their services.

  2. Financial Information. Borrowers may need to provide relevant financial information, including details about their business and personal creditworthiness, during the application process.

  3. Membership Fee. Depending on the chosen membership plan, borrowers are required to pay a fee for Fund&Grow's services. This fee can be an upfront payment or a performance-based fee, depending on the selected plan.

  4. Application Process. Borrowers are required to complete an application process, which may include filling out forms on the Fund&Grow website and participating in a consultation with a Senior Funding Coach.

  5. Credit Review. Fund&Grow conducts a thorough credit review during the consultation to assess the borrower's creditworthiness and determine eligibility for the program.

  6. Commitment to the Process. Borrowers need to be committed to following the strategic guidance provided by Fund&Grow, especially in terms of credit card stacking and fund utilization strategies.

  7. Understanding Terms and Conditions. It's essential for borrowers to thoroughly understand the terms and conditions of the chosen membership plan, including any fees, repayment terms, and other relevant details.

Ways to Receive the Money

  1. Credit Card Activation. Fund&Grow's process often involves obtaining unsecured business credit in the form of credit cards. Clients can receive the funds by activating the provided credit cards, each offering a specified credit limit.

  2. Cash Lines of Credit. The obtained credit cards can be strategically converted into cash lines of credit. This conversion eliminates cash advance fees, providing clients with a convenient and cost-effective means of accessing cash for various business purposes.

  3. Wire Transfers. For specific use cases, such as real estate investments, Fund&Grow guides clients on how to use the obtained credit to facilitate wire transfers. This method allows for the seamless transfer of funds, often at a lower cost than traditional methods.


  1. 12-Month Business Credit Stacking Membership (Up to $250,000). This comprehensive membership program spans 12 months and is designed to facilitate the strategic stacking of unsecured business credit. It provides clients with access to a range of benefits to support their business financing needs. The cost for the 12-month membership is $3,997, offering a one-time fee structure with no back-end fees. Payment plans are available to accommodate different budgets.

  2. Performance-Based Business Credit Stacking Program (Up to $250,000). This program provides clients with a performance-based option, where they pay an upfront fee of $1 to start the application process and an 8% fee only after funding has been obtained. It's suitable for those who prefer a pay-after-results approach. Clients opting for the Performance-Based program pay a nominal upfront fee of $1 to initiate the process and an 8% fee after successfully securing funding.

Other Loans

Reasons for Getting Rejected for a Fund&Grow Loan

  1. Insufficient Creditworthiness. Fund&Grow typically requires a minimum credit score of 680. If an applicant's credit score falls below this threshold, it may lead to rejection.

  2. Inadequate Financial Information. Providing incomplete or inaccurate financial information during the application process can result in rejection. Ensure all required financial documentation is accurate, up-to-date, and readily available. Be transparent about business financials and personal credit history.

  3. Unsuitable Business Structure. Fund&Grow may have specific criteria regarding the legal structure of a business. Certain business structures may be less favorable for credit approval.

  4. Unstable Business Finances. If a business has inconsistent cash flow, excessive debt, or other financial instability, it may raise concerns for lenders.

  5. Low Revenue or Limited Business History. Businesses with low revenue or a limited operating history may face challenges in securing significant credit lines.

  6. Issues with Credit Report. Inaccuracies, negative entries, or unresolved issues on a credit report can be a red flag for lenders. Entrepreneurs need to maintain a clean personal credit report, as it often plays a crucial role in securing favorable terms for business financing.

How to Repay a Fund&Grow Loan?

  1. Understand the Membership Plan. Review the terms and conditions of the chosen Fund&Grow membership plan, whether it's the 12-Month Business Credit Stacking Membership or the Performance-Based Business Credit Stacking Program.

  2. One-Time Fee or Performance-Based Fee. Determine the fee structure associated with the selected membership plan. The 12-Month Membership typically involves a one-time upfront fee, while the Performance-Based Program may have an upfront fee of $1 and an 8% fee after funding has been obtained.

  3. Payment Plans. If applicable, understand the payment plans available for the chosen membership. Some plans may offer flexibility in payment schedules to accommodate different budgets.

  4. Monitor Credit Lines. Keep track of the credit lines obtained through the Fund&Grow program. Understanding the available credit and utilization is crucial for effective repayment planning.

  5. Make Minimum Payments. Understand the minimum payment requirements for the credit lines obtained. In many cases, monthly payments are a percentage of the outstanding balance.

  6. Build a Relationship with Lenders. Fund&Grow often recommends making 2-3 times the minimum payment on the accounts obtained. This practice helps build a positive relationship with lenders and contributes to a strong credit profile.

  7. Utilize the Funds Wisely. Strategically utilize the obtained funds for business needs. Efficient use of credit lines can contribute to the success of the business and facilitate timely repayment.

  8. Follow Fund&Grow Guidance. Adhere to the guidance provided by Fund&Grow's team throughout the credit card stacking and fund utilization process. Their expertise is aimed at optimizing the use of credit lines and ensuring successful repayment.

  9. Stay Informed on Credit Portfolio. Regularly monitor your credit portfolio and maintain a good credit standing. Fund&Grow's credit consultants may guide you on maintaining and improving your overall credit profile.

  10. Address Financial Challenges Promptly. If facing financial challenges or changes in business circumstances, communicate with Fund&Grow promptly. They may provide guidance and support to navigate challenging situations.


The Ink Business Unlimited® Credit Card offers a compelling $900 bonus cash back after an initial $6,000 spent within the first 3 months. With no annual fee, cardholders can earn unlimited 1.5% cash back on all business purchases. The card provides flexibility in redeeming cash rewards back, gift cards, travel, and more through Chase Ultimate Rewards®. Additionally, the card offers a 0% introductory APR for the first 12 months on purchases, providing a financial advantage. With round-the-clock monitoring for unusual transactions and Zero Liability protection, it prioritizes security for cardholders.

The Brex Card stands out with a generous 10,000 points bonus after spending $3,000 in the initial 3 months. What sets it apart is the absence of a personal guarantee or credit check during the application process, along with credit limits 10-20 times higher than traditional small business corporate cards. A unique feature includes exclusive signup offers from major business tools, adding substantial value. With industry-leading multipliers, such as 7x on rideshare and 3x on restaurants, the card maximizes reward potential. It also fosters business credit building by reporting on-time payments to Dun & Bradstreet and Experian. The 30-day charge card operates on the Mastercard network, offering global acceptance without foreign transaction fees. Automated expense management and miles transfer programs further enhance its appeal.

The American Express Blue Business Cash™ Card provides a $250 statement credit after an initial $3,000 spent in the first 3 months. Noteworthy is the 0.0% introductory APR on purchases for the initial 12 months, offering financial flexibility. Cardholders earn a competitive 2% cash back on eligible purchases, up to $50,000 per calendar year, and 1% thereafter. The card stands out for its Expanded Buying Power feature, allowing users to spend beyond their credit limit based on various factors. With a focus on adaptability to changing business needs, it offers a solid cash-back structure and financial flexibility for cardholders.

For businesses with diverse spending, the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® stands out with a flat 1.5% cash back on all purchases, without an annual cap. What makes it particularly appealing is the potential for increased rewards for Bank of America® customers enrolled in the Preferred Rewards for Business program, reaching up to 2.62% based on the tier. This feature makes it a competitive option for those seeking a straightforward cash-back business credit card with the potential for enhanced rewards based on banking relationships.

Loans like Fund&Grow


OnDeck stands out as an excellent choice for short-term business loans, offering the flexibility of borrowing substantial amounts, even for businesses with a minimum credit score. What makes OnDeck particularly attractive is its ability to provide funds swiftly, with same-day approval and disbursement for qualifying applicants. Moreover, OnDeck emphasizes the opportunity to build and strengthen business credit by consistently making on-time payments. The loan terms range from 18 to 24 months, with loan amounts spanning from $5,000 to $250,000. While the starting interest rate is 35.40% for a portion of customers, the accessibility and speed of funding make OnDeck a notable player in the short-term business loan landscape.

Funding Circle

Funding Circle distinguishes itself in the realm of long-term business loans by offering competitive rates, extended repayment terms, and a lack of prepayment penalties. This lending option caters to businesses seeking larger loan amounts, ranging from $25,000 to $500,000, with a reasonable starting interest rate of 11.29%. Beyond financial support, Funding Circle prioritizes efficiency, enabling businesses to access funds in as little as two business days. Notably, Funding Circle also showcases its commitment to diversity by providing funding options specifically tailored for women-owned businesses and minority entrepreneurs. The loan terms extend from 6 to 84 months, making Funding Circle a favorable choice for businesses with a more extended financial horizon.


Credibly positions itself as a reliable source for working capital loans, particularly for businesses requiring quick funding to address immediate operational needs like payroll or inventory expenses. Notably, Credibly's working capital loans boast a rapid approval process, often providing funds in less than 24 hours. The lender exhibits flexibility by considering applicants with a minimum credit score of 500 and a willingness to look beyond a less-than-perfect credit history, provided there is a healthy annual revenue. Beyond working capital loans, Credibly collaborates with a network of lenders to offer a diverse range of financing options, including merchant cash advances, business lines of credit, equipment financing, SBA loans, and invoice factoring.


For startups in need of swift financing, Fundbox presents an appealing option with its business line of credit, offering up to $150,000. What sets Fundbox apart is its relatively lenient eligibility criteria, allowing new companies to qualify after just six months of operation and a minimum annual revenue of $100,000. The business line of credit provides the flexibility to withdraw funds as needed, and businesses only pay interest on the amount utilized. Additionally, Fundbox offers perks such as up to 20% off fees through its Fundbox Plus upgrade. With competitive starting interest rates ranging from 4.66% for 3-month terms to 8.99% for 6-month terms, Fundbox addresses the financial needs of emerging businesses seeking quick and accessible startup loans.

Editorial Opinion

Fund&Grow offers a unique and innovative approach to business funding, specializing in unsecured business credit. The company has garnered attention for assisting a substantial number of entrepreneurs and business owners in accessing significant amounts of funding since its establishment in 2007. With a transparent process and a 60-day money-back guarantee, Fund&Grow emphasizes a commitment to customer satisfaction. Its credit card stacking strategy, leveraging 0% introductory interest rates, distinguishes it in the market. However, understanding the dynamics of interest credit is vital for any business owner seeking cost-effective financing, as it allows for more favorable terms and increased financial flexibility.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.


At Finanso, we've carried out a comprehensive analysis of over 50 business lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

Additional Resources

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  • How to Apply for GoKapital Loan
  • How to PayOff GoKapital Loan
  • GoKapital Mobile Apps
  • GoKapital Reviews



How much can you borrow from Fund&Grow?

Through Fund&Grow, businesses can access up to $250,000 in unsecured business credit.

The amount is obtained through strategic credit card stacking, which involves leveraging the 0% introductory interest rates offered by major and regional banks for an average of 12 to 18 months.

This innovative approach allows businesses to convert credit cards into cash lines of credit, eliminating cash advance fees. The borrowing capacity depends on factors such as creditworthiness, the chosen membership plan, and successful credit line stacking.

Does Fund&Grow approve everyone?

No, Fund&Grow does not guarantee approval for everyone.

While Fund&Grow specializes in assisting small businesses, entrepreneurs, and real estate investors in obtaining unsecured business credit, approval is contingent on factors such as creditworthiness, financial stability, and adherence to specific eligibility criteria. Applicants with a credit score of 680 or above generally have a higher likelihood of approval. Fund&Grow carefully reviews each application, and approval is not automatic.

Applicants need to meet the requirements, provide accurate financial information, and demonstrate the ability to responsibly manage credit.

Is Fund&Grow a legitimate company?

Yes, Fund&Grow is a legitimate company with a solid reputation.

Established in 2007, Fund&Grow has helped over 30,000 entrepreneurs and business owners access more than $1.6 billion in business funding. The company has received positive reviews, maintaining a 4.8 out of 5-star rating on Trustpilot with 618 total reviews.

Fund&Grow is an Inc. 5000 honoree for seven consecutive years and holds an A+ rating from the Better Business Bureau (BBB). These credentials, along with its transparent approach to unsecured business credit, position Fund&Grow as a trustworthy and reputable resource for businesses seeking funding solutions.

Is Fund&Grow a good lender?

Fund&Grow is recognized as a reputable facilitator of unsecured business credit, providing valuable services to small business owners, entrepreneurs, and real estate investors.

With a track record of helping over 30,000 clients access substantial funding, totaling more than $1.6 billion since its inception in 2007, Fund&Grow has established itself as a reliable partner in the business financing landscape.

The company's commitment to transparency, a 60-day money-back guarantee, positive customer reviews, and industry recognition, including an Inc. 5000 ranking for seven consecutive years, contribute to its reputation as a good lender for those seeking strategic and cost-effective business funding solutions.

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We're on a mission to empower the small business owner by helping them tap into the smartest form of funding: Unsecured Business Credit – so that they can achieve their goals and dreams.

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