The Science of Flipping
How to Access $250K–$1M in 0% Business Credit (Even in a High Interest Economy) | Ari Page
14 Jan 2026
Chapter 1: How can business owners access 0% financing in a high interest economy?
what is up the science of flipping welcome back to another incredible uh episode and i'm very fortunate to have this guest uh today because uh businesses real estate investors anyone is transacting in business understands where the economy is at today and this guy is what i would argue should be at the forefront of uh all of our discussions on how to capitalize our business how to get more financing in the financial state that the country is in right now the founder
of fund and grow Ari pages here what's up my brother how's it going Justin thank you so much for having me on yeah you're you're kind of the the keynote in my world right now because I I'm in the real estate space and I know you deal with a lot of real estate businesses but in our space man financing is brutal and uh as someone who actually is a client of yours I really wanted this to be uh
top of mind for businesses, all businesses, doesn't have to be real estate, to understand that there is funding out there. There is cheap funding. In fact, right now you have opportunities at 0% financing, right? And you're getting people up to 250 grand in the first 30 to 45 days. And this is a 0%.
And so I highlight that out of the gate because I think that's the first thing people want to understand is, can financing be affordable these days? Can I have financing for operations, for marketing, for rehabs, for whatever the thing may be. And you do. And so let's jump right into that.
How are business owners like myself, real estate investors, or any vertical for that matter, really taking advantage of what you guys got at Fund and Grow?
Yeah, so there's so many loan products out there right now that we both know the interest rates are just creeping up on, higher and higher and higher. Making, owning a home or investing as an investor in buying, flipping, rehabbing, all of that, making it just more expensive than ever before.
But what a lot of people are unaware of is that business owners have been taking advantage of business credit cards, which give them funding- introductory rates like 0%, literally 0%. While we're talking, people can Google 0% business credit card. But the question is, how do you get approved for business credit cards that don't report to your personal?
How do you get the high limits on those cards? And how do you stack it so you're getting up to $250,000 and it can really be used in one's business?
How much business credit do you have, Ari?
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Chapter 2: What are the benefits of using business credit cards over traditional loans?
I mean, you literally can service any, is it right to say any company? I mean, anyone that has any level of operational cost or need for capital, you can service them.
I would caution only against a few specific things like, for example, marijuana or like investing in Bitcoin. Yeah. Which, you know, and those are solid businesses. It's just we wouldn't want to use this type of business credit cards for that. But for real estate and for marketing and for any business use, for any type of brick and mortar, when they're buying inventory or for Amazon resellers,
I mean, the list just goes on and on. I would say the only few businesses that we that we would recommend not using it for is if you're doing institutional investing or if you're doing something that's generally prohibited, like marijuana, for example.
Sure. Well, and listen, I have a question I think some people would know. Like, let's just say you're a I'm just going to make up maybe a boring type of company. Maybe you're an accounting firm. Right. But you have eight accountants in your firm and, you know, things are getting a little slow and you need to cover some bills and cover some costs. And it's the slow months, right?
So accounting is very seasonal and we're in tax season right now. So they're slammed. But let's say you're in the months that are low. Can you use something like this to go get work, true working capital to pay your office rent, to pay, you know, office supplies, to pay the electrical bill? Can you use it in that format?
Yeah.
Exactly. In fact, business credit cards are really easy to use when you're buying inventory and things like that. And payroll, that's where we would point our clients to these third party services that are specifically set up and designed to do exactly this. You set up an account with them and then you add your credit card into the account. And then you tell them what you're trying to pay.
You upload your invoice and then they make the payment for you. So payroll is something that can easily be paid for directly off a credit card. You could use a service like bill.com. Or Melio Payments. Or Zill Money. Or Plastic.
Plastic, for example, which is the word plastic, but it ends with a Q. That particular service allows you to add credit cards and then you can directly fund an escrow account. You can literally use the credit cards to buy real estate. for buying real estate, for buying virtually anything that your business needs.
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Chapter 3: How do you get approved for business credit cards that don't affect personal credit?
Him and I have been in business almost 20 years now. I'm 44, he's 43. I started in 2007. You started in what, 2005, right? 2006. I mean, there are highs and low in all of our businesses. Like it just doesn't matter the vertical you're in. be knocking the cover off the ball one year and the next year might be your very worst year ever. But you're not going to quit. You're not going to give up.
Find a bridge, right? Like this is what we're talking about, dude. And there's so many other cool things that we're going to talk about. Like one really cool thing is you can pay payroll. Another cool thing for me as a real estate investor, I can buy ass. I can buy an actual property that I'm going to flip in three months and I'm going to make my money back. And it was 0%.
Talk about borrowing capital. For us real estate investors, this is phenomenal, right? Now, again, let's call it what it is. You're not going to go probably get pre-qual... And by the way, you tell me. But there's probably not a lot of people that are going to go get a $300,000 immediate... approval, I would guess. Maybe some do, but I would say the vast majority won't. Let's talk about cuts.
I'm sorry. Let's drill down on that because that's a great question. So usually when someone's getting started, they could pre-qualify from anywhere up to 100,000 down to 20,000. Or if it's even a worse situation, then less than that. But
that's just what we would call their first batch or their first round which means that that's the first round of cards that we're going for that could be four or five cards so then two to three months later we're going to be doing another round and that's the card stacking process and i can drill down further into how cool and easy the the card stacking process is because it's it's actually pretty simple to explain do it go that's exactly it what is the process okay
And I'm going to explain on the personal side, and then we can extrapolate that to the business side. But essentially, everyone watching this has a credit card of some kind. So let's say, just for ease of this conversation, that it's a $10,000 Chase card. So I have a $10,000 Chase card, and I've had it open for a couple of years. So it's not at any particular special interest rate.
And I've been using this $10,000 business card or personal card in my business. So I go, what the key here is, if I want to get more credit and I want to be able to convert this $10,000 existing credit line back to 0%, this is the way to do it. This is card stacking. So I go back to the same institution. I go back to Chase.
And most of the time, they'll allow you to apply for the exact same credit card. If not, then you apply for a very similar product. And they'll definitely allow you to apply for that. You can get multiple cards from almost every bank. So I go back to the same bank, apply for the same product. And let's say they only give me $5,000 because I already have 10.
We might be thinking, hey, this isn't going in the right direction. 5,000 is not very big. That's not enough to move the 10,000 over. However, this is the key that I take the 5,000, which has 0%. And on a separate call, I call the negotiator where I'm sorry, the underwriter. So I become a negotiator. I call the underwriter at the bank.
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Chapter 4: What strategies can maximize rewards and points from business credit cards?
Okay. So now I got to go back in. I got to go spend more money to put in a subfloor and then more LVP. Meanwhile, the tenant needs to vacate. Meanwhile, I'm paying a mortgage and I could just charge him back on faulty work and get my money back and...
As opposed to having to pursue him and sue him. Right.
Now I'm going to have to spend more money to go pursue him and sue him. And he probably has no money. This is why he did this, right? And so I'm going to get no juice out of this rock. So anyways, I would tell you, real estate investors, I mean, you do a lot in the real estate space in terms of your clientele. What do you see cool hacks with this program in the real estate space?
So I see we work together with a lot of what we call affiliates, which is essentially different educators and teachers. And what we've found is that entrepreneurs being able to get access to this funding moves their deals forward faster than they ever thought possible.
They thought that they were going to have to collect a whole bunch of cash first, that they weren't going to qualify for the larger loans.
But suddenly when they have cash on hand, when they are able to put skin in the game that's not based on a DSCR loan or on a mortgage or on a business line of credit, but they can actually get this easy funding that comes in really quickly, very accessible, that is just able to spur a lot of business that wouldn't be happening otherwise.
And many times the coaches have to kind of break down to the students, this is how a credit card can help you. Most people aren't thinking in terms of credit cards. They're thinking in terms of traditional financing.
So that's kind of one of the things we have to break out of that mindset and that model and just think of like back in the day, it used to be that the banks would, you know, just loan 500,000 to a business fairly easy, one bank. But now they kind of mitigate it. They split it up and And you might get 50,000 from one bank, 75,000, 25,000.
And so the business credit cards have brought a different form of funding. Instead of these massive loans, they're much smaller, broken up between many institutions. And it seems that Over the years, this type of funding is just being pumped out more and more and more. Right now, with the interest rates being as high as they are, mortgages and all these traditional loans have slowed down.
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Chapter 5: How can business credit cards be used for payroll and operational costs?
It sounds strange to have to use third party payment services and to have to piecemeal multiple credit cards together. And the question is, how badly do you not want to give all your profit to the banks? It's like, do you want to save money? Do you want to get easy access to funding?
I mean, there are some people that will go on Shark Tank and give away 50% of their company for $50,000 when you could get access to 250,000 and 0% credit cards and be completely in charge of your own business. So I couldn't explain to you why sometimes people will go and give away half their business for no good reason at all.
Ari, that was a brilliant analogy. It's not even the same example. Yeah. People give away 50% of their business for like 50 grand, 25 grand or whatever the number is. Or you go find Funding Grow, you go find Ari and you just get 0% capital. And so what happens after 0%? It just goes to your normal 15, 18% normal credit card stuff?
So now that's the card stacking process. We show people how to keep it at 0%, pretty much ongoing, but that would also mean that they need to be a client of ours. Now, the cool thing is that we show them how to do this. When we're teaching you how to interact with a negotiator, guess what we're doing? We're not just showing you where to fish, we're teaching you how to fish.
The part of our program we haven't spoken about so far is, for example, like the building that I'm sitting in right now. It's a close to $2 million building. Funding grows headquarters. It was purchased using corporate funding. It had nothing to do with credit cards. But it also is not in my name. It's 100% fully mine. in the business's name.
So we help our clients with the business credit cards, but we're showing them how they can eventually qualify for Paydex done in Bradstreet based corporate financing that has nothing to do with their personal credit report. It's not personally guaranteed whether it shows up or not. It's not personally guaranteed.
Like I have multiple office buildings that I've personally purchased that have nothing to do.
Well, I say I personally, but they're all in the business name, but mine, it's all, it was first based off of building up, using the business credit cards, getting my scores higher and higher, then transitioning over to Dun & Bradstreet based financing, corporate financing that truly is 100% in the business's name. At first you have to use the personally guaranteed business credit cards.
because you don't have, it's like your business is like a high schooler. It doesn't have a credit score yet. It just graduated. So that has to be built up. Fund and Grow will help every client that comes to us for business credit cards.
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