Podcast Summary: The Entrepreneur DNA
Episode: How to Access $250K–$1M in 0% Business Credit (Even in a High Interest Economy) | Guest: Ari Page
Host: Justin Colby
Guest: Ari Page, Founder & CEO of Fund&Grow
Date: January 14, 2026
Episode Overview
In this episode, Justin Colby hosts Ari Page, founder of Fund&Grow, to dive into the mechanics of accessing $250,000 to $1 million in 0% business credit, even in a high-interest economic climate. This episode is a step-by-step breakdown for business owners, real estate investors, and entrepreneurs on how to obtain and leverage business credit cards as a funding source, the right way to use the “card stacking” strategy, and the importance of structuring business finance efficiently. Ari shares his two decades of experience, with Fund&Grow having secured over $2 billion for 30,000+ clients.
Key Discussion Points & Insights
1. Why 0% Business Credit Now?
- Market Context:
- Traditional loan rates have skyrocketed, making real estate and business operations more expensive.
- Business credit cards offer introductory 0% rates, which many entrepreneurs overlook.
- “People can Google zero percent business credit card. But the question is, how do you get approved for business credit cards that don’t report to your personal [credit], how do you get the high limits on those cards? And how do you stack it?" (Ari, 03:12)
- Who Can Benefit:
- Any business (except a few: e.g. cannabis, some financial/institutional activities).
- Works across industries: real estate, accounting, Amazon resellers, brick-and-mortar stores, etc.
2. Ari’s Personal Funding Power
- “I have over a million dollars in 0% business credit cards… well over $2 million in total ability to borrow… but the business credit cards are the least expensive.” (Ari, 04:08)
- Flexibility: Can use cards repeatedly, shift balances before interest kicks in, never tied to an asset.
3. What Makes Fund&Grow Different?
- White-glove consulting and comprehensive services.
- Not just applying for cards; they teach clients:
- How to use third-party services if a vendor doesn’t accept credit cards.
- How to maximize points/cash back.
- How to avoid fees and asset protection through dispute mechanisms.
- Example: Ari used points to fly his whole family to Spain, business class, for $500 instead of $55,000 (08:05).
4. Business Credit Card Use Cases
- Funding for operations, marketing, inventory, payroll, and even real estate purchase and rehab.
- Services like Bill.com, Melio, Zill Money, and Plastiq (note: with a “q”) let you use cards even where vendors won’t accept them, and at 0% (11:00).
5. The Card Stacking Process (13:29, 14:11)
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Get multiple cards in “batches” or “rounds," increasing available credit over time.
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After 2-3 months, apply for additional cards, consolidating balances and keeping 0% rates.
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Process Example:
- Apply for a new card at the same bank as an existing one.
- Merge new card (with 0% on balance) into old one, raising limit and resetting the clock on 0%.
“I take the $5,000, 0% card into the older $10,000 card... Now I have a $15,000 card all at 0%... my limit just popped up.” – Ari (15:18)
6. Credit Score & Business Structure (20:04–22:00)
- Good personal credit is a must for max benefit.
- Business credit cards are issued to the EIN, not personal credit, preserving personal credit and boosting scores.
- Personal cards are “heavily predicated on my credit score… business cards, not quite as predicated…but still need good credit” (Justin, 20:17).
7. Improving Personal Credit Through Business Credit
- You can move balances from personal to business cards (22:00).
- Lowers utilization on personal cards, boosting personal credit score.
- Business cards don’t report to personal bureaus, allowing use without personal score drops.
8. Asset Protection and Vendor Disputes
- Paying vendors and contractors with a business card means you can dispute fraudulent work and issue chargebacks, which isn’t possible with cash/check payments (28:35–31:32).
“You can reverse transactions on a credit card, whether business or personal...this form of asset protection is huge.” (Ari, 28:35)
- Host Justin recounts losing money to a bad contractor as a cautionary tale (30:26).
9. Real Results: Scaling Businesses and Other Hacks
- Clients include everyone from startups to 7-figure businesses.
- Use 0% cards to pay for growth costs—marketing, payroll, inventory, etc.—without touching cash flow (27:53).
- Points and rewards are a major bonus: Ari's firm earns $10,000–$15,000 per quarter in cash back.
10. Managing Renewals and Ongoing 0% Rates
- Typically, 0% rates last 12–18 months.
- Simply repeat the process—apply for new cards, consolidate, negotiate—to keep credit at 0% (38:25).
- “The more that you use the credit cards, the more they’re going to give you more… putting big purchases and paying them off is important.” (Ari, 39:08)
11. Business Credit Advancement: Beyond Cards (45:49)
- Ari helps clients build their PAYDEX/Dun & Bradstreet score.
- Eventually transition to non-personal guarantee corporate loans and even property purchases in the business’s name.
12. Frequently Asked, Often Misunderstood (44:11–45:25)
- Most business owners don’t realize how easy and safe it is to use business credit cards as funding vs traditional loans.
- Many give away huge equity (“Shark Tank syndrome”) instead of using available 0% capital.
Memorable Quotes & Moments
- Ari Page on the value of 0% credit:
“When I say offering it to you at zero percent, I literally mean zero percent. It’s a simple interest loan… you are paying back the exact amount you borrowed, and no more.” (26:43) - On business structure:
“It’s going to be their entity...that’s easy. It’s way easier to set up an entity than it is to get them good credit.” (Ari, 50:10) - On using points:
“I flew to Spain a number of years back with my entire family, business class...that trip for me was a $500 trip, not $55,000...” (Ari, 08:05)
Practical How-To: Segment Timestamps
- Why Business Credit Cards, Not Traditional Loans? (03:12–09:36)
- Using Cards for Any Business Expense, Even Payroll/Real Estate (10:48–12:08)
- Card Stacking Explained (13:29–16:24)
- Merging Business/Personal Balances, Improving Credit Scores (19:45–22:00)
- Card Disputes for Asset Protection Stories (28:35–31:32)
- Optimizing Points and Rewards Travel (37:42–38:25)
- Renewing 0% Rates via Card Stacking/Reapplication (38:25–42:47)
- Building Toward Non-Personal Guarantee Commercial Credit (45:49–47:43)
- Who Should NOT Use These Credit Products (09:25)
- Free Prequalification and Coaching (34:21, 51:23)
How to Get Started
- Free pre-qualification at fundandgrow.com/flip – no impact on credit, instant results.
- Follow Ari on Instagram: @aripage3
- Book a free business development call via the calendar that appears after pre-qualifying.
Conclusion: Why Every Business Owner Should Listen
Ari and Justin make a compelling case: Using 0% business credit smartly is a gamechanger, not just bridging cash flow but fueling true business scale—with the right approach and expert guidance.
“It doesn’t make any sense for any business owner to not do something like this.” – Justin Colby (50:23)