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How to Access $250,000 at 0% Interest (and Get Paid to Borrow)

What if I told you it’s possible to access $50,000 to $250,000 at 0% interest, use that money to grow your business or investments, and even earn cash back and rewards while doing it? Sounds too good to be true, right?

That’s exactly what I thought until I sat down with Ari Page, CEO of Fund&Grow, to talk about one of the most misunderstood (and underused) tools available to business owners and investors today: 0% business credit cards and the card-stacking strategy that turns them into an engine for growth.

The Problem: Great Credit, No Liquidity

Back in 2007, I found myself in a bind that many entrepreneurs and investors know all too well. I had great credit and plenty of equity, but when I tried to pull cash out, the banks suddenly changed the rules. One month it was “raise your score a bit,” the next it was “sorry, we don’t lend to business owners anymore.” My liquidity vanished overnight.

That’s when I realized that traditional banks can shut off the flow of money whenever they want and that we need alternative ways to access capital on our own terms.

How Business Credit Cards Became a Funding Lifeline

Ari’s story starts around the same time. Working in a mortgage company, he watched deals fall apart as loan-to-value ratios dropped and funding disappeared. To keep deals alive, they turned to business credit cards a move that changed everything.

Unlike mortgages or home equity lines, these cards didn’t show up on personal credit, weren’t tied to a physical asset, and carried introductory 0% interest rates for up to 22 months. Even better, they could be stacked creating micro-loans that added up to significant capital, fast.

Today, Fund&Grow helps thousands of business owners and real estate investors do the same, often securing $100K to $250K in unsecured funding that stays off their personal credit reports.

Why 0% Business Credit Works (and Why Banks Offer It)

It sounds strange that banks would lend at 0%, but here’s the logic: small business owners are premium customers. Banks use these cards as a “foot in the door” strategy.

Once you’re in, they can offer insurance, merchant services, and other business products. That means they’re happy to give away short-term 0% loans to win your long-term business.

By understanding that, you can flip the script and use the banks’ own strategy to your advantage.

The “Card Stacking” Process

Here’s the basic playbook Ari shared:

• Start with major issuers: Chase, Bank of America, Amex to establish strong accounts.

• Apply strategically: Fund&Grow knows which banks pull from which credit bureaus, maximizing approvals.

• Merge limits: Open a new 0% card, then merge it with an older card at a higher interest rate to transfer the 0% benefit to the larger line.

• Build on your EIN: Keep the cards off your personal credit report, so your FICO stays strong and new approvals remain easy.

• Repeat: Every 6–12 months, new offers come up. Stacking allows you to maintain liquidity long-term.

That’s how you keep access to cheap capital indefinitely.

Using Credit for Asset Protection

Here’s a clever twist I hadn’t considered: using credit cards to pay contractors.

If you pay a vendor with a business credit card and they fail to deliver, you can initiate a chargeback. That forces the contractor to respond directly to the bank, not just you. Suddenly, they’re accountable at a much higher level and they usually show up fast to make things right.

That’s built-in asset protection most people overlook.

When It’s Not the Right Fit

This isn’t for everyone. If your credit is poor, or if you’re trying to make next month’s mortgage payment, this isn’t the solution. And it’s not for speculative investing like crypto or options trading.

But if you’re a business owner, entrepreneur, or real estate investor who wants working capital for marketing, equipment, renovations, or expansion, this is one of the most powerful tools available.

The Bonus: Get Paid to Borrow

Here’s the kicker. Many of these cards offer 1–2% cash back or travel rewards. When you stack multiple 0% cards and cycle large volumes of legitimate business spending through them, you can literally earn thousands in cash back every quarter while paying no interest.

It’s like being paid to borrow.

Your Next Step

Fund&Grow even offers a soft-pull prequalification meaning you can see how much funding you might qualify for without affecting your credit. Just go to

👉 fundandgrow.com/moneyripplespq

There’s no commitment, no hard inquiry, just insight into what’s possible.

My Ripple Takeaway

As I told Ari on the show, I believe financial freedom isn’t just about wealth it’s about control. And the more access you have to funding that you control, the more power you have to create real, lasting change in your life and in the lives of others.

When you know how to leverage other people’s money responsibly, at 0%, it’s not just smart business it’s how ripples become waves.

So here’s my challenge to you: stop waiting for the banks to say yes. Learn how to fund your goals on your own terms.

Go to fundandgrow.com/moneyripplespq and take that first step today.