Yes. Your business could be one day old. As long as you have good personal credit and your EIN, we can start working with you. Traditional lenders require two years of business history. Business credit cards don't have that requirement.

Business credit cards report under your business's EIN, not on your personal credit report. When applying directly with lenders a hard inquiry may occur but only impacts your score by a few points. Ongoing business balances and utilization don't show up on your personal credit unless defaulted.

On average, many clients see their initial funding in as little as 14 to 21 days of starting the program. Some client timelines may vary based on their credit profile.

Results vary based on your credit profile and how closely you follow our recommendations. Over the course of a 12-month program, many clients access up to $300,000. Some clients access $30,000 to $80,000 in available credit within the first two weeks.

Denials happen. What matters is what you do next. Being denied is not always the final decision. Through our guidance we show you how to navigate reconsideration with lenders, teach you exactly what to say, and who to contact to reverse that decision. In many cases, we can help you turn a no into a yes.

Most industries are lender-friendly. For businesses that face stricter underwriting, we’ll match you with the best options, and a clear plan to maximize approvals.

Yes. Most business credit cards require a personal guarantee. However, when managed properly, these accounts typically report under your business and not your personal credit profile.

A personal guarantee is a standard requirement for business credit cards. It means you agree to be personally responsible for the debt if your business does not repay it, which gives lenders added assurance when evaluating applications. Fund&Grow provides tools, resources, and coaching to help clients manage accounts responsibly. While many business credit cards do not report ongoing activity to personal credit bureaus when kept in good standing, late payments or defaults may be reported.