Growth Capital | Build&Fund
Build&Fund · Pillar 4  ·  Growth Capital

Your Bank Said No.
That Doesn't Mean You Don't Qualify.

Two funding programs. Up to $200,000 in available capital. No collateral required on the right program. One conversation to find out exactly where you stand.

Find Out What I Qualify For →
No upfront fees
Soft pull to qualify
Takes a few minutes
$25K–$200K
0% Credit Program Range
1.5×
Revenue-Based Max Advance
$200M+
Recovered Across All Programs
The Problem

Traditional Lending Was Built for Big Business. Not Yours.

Banks want two years of tax returns, perfect credit, collateral, and still take 90 days to say no. Most small business owners are undercapitalized — not because capital doesn't exist, but because nobody showed them all their options.

🏦
Bank Loans Collateral required. 90-day timelines. Most small businesses don't meet the minimums.
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SBA Loans Paperwork marathon. Months of waiting. High denial rate for businesses under 3 years.
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Personal Credit Cards Cap at $10K–$15K. 20%+ interest. Mixing personal and business liability.
⚠️
Doing Nothing Staying undercapitalized limits hiring, inventory, and growth — quietly, every month.
Two Paths to Capital

Not Every Business Is the Same.
Neither Is Our Approach.

We review your full financial profile and match you to the program that actually fits — not the one that's fastest for us to place.

⭐ Best for Credit-Qualified Businesses

0% Business Credit

Access business capital at zero interest — without collateral or a business guarantee.

$25K–$200K Available
  • ✓0% introductory interest rate — not a teaser, a real program
  • ✓Business credit lines — not cash advances, not personal debt
  • ✓No business collateral required
  • ✓Amount scales with your personal credit profile
  • ✓Keep business and personal assets completely separate
Qualification Requirements
680+ Credit Score $15K+ Personal Limits Clean Credit Report Business Entity
📈 Best for Revenue-Generating Businesses

Revenue-Based Capital

Fast access to working capital based on what your business already earns.

Up to 1.5× Monthly Revenue
  • ✓Flexible credit requirements — minor history issues considered
  • ✓Approval based primarily on business revenue, not personal assets
  • ✓Fast approval timeline — decisions made quickly
  • ✓Flexible repayment aligned with your cash flow (daily or weekly)
  • ✓For businesses with consistent, verifiable revenue history
Qualification Requirements
600+ Credit Score $25K+/mo Revenue 6 Months Bank Statements No Prior Defaults

Not sure which path fits your profile? The Hidden Revenue Report will tell you →

The Build&Fund Difference

We Don't Just Connect You to Capital.
We Maximize Your Total Picture.

Anyone can hand you a lender's phone number. We do something different.

1
The Right Program for Your Profile
We review your full financial profile before recommending anything. No wasted applications. No unnecessary hard pulls. The goal is to match you to what you actually qualify for — on the first attempt.
2
Relationships That Move the Needle
You're not a cold application in a queue. Our partner network knows Build&Fund clients and the level of preparation we bring. That familiarity improves your approval odds in ways a direct application simply can't.
3
Capital Is One Piece of the Puzzle
Most clients who come in for funding discover they also qualify for programs they didn't know existed. The capital and the savings work together.
Tax Recovery Payroll Tax Savings Cash Discount
Three more programs.  See what you qualify for →
Real Results

What 0% Business Funding
Looks Like in Practice

These are real client approvals. Not projections. Not ranges. Actual capital placed through the 0% Business Credit program.

0% Business Credit Approval Result
0% Business Credit Approval Result
0% Business Credit Approval Result
0% Business Credit Approval Result

Actual client approval screenshots. Personal details redacted.

See What I Qualify For →
Common Questions

Straight Answers.

Will applying affect my personal credit score? +
For the 0% Business Credit program, we use a soft pull during the qualification process — your score is fully protected until you decide to move forward. We walk through every step with you before anything is submitted. For Revenue-Based Capital, underwriting is primarily revenue-based, and we'll explain the full process before a single document is pulled.
I've heard merchant cash advances are predatory. Is Revenue-Based Capital the same thing? +
Straight answer: MCA products can be misused by bad actors in this industry. We only work with vetted partners who provide full transparency on factor rates, repayment schedules, and total cost of capital. Before you sign anything, we'll show you exactly what the money costs and whether the numbers make sense for your business. If they don't, we'll tell you that before you sign.
My bank already handles my financing needs. +
Most business owners we work with said the same thing — until they saw what a 0% rate looks like against their current line of credit. We're not asking you to replace your bank. We're asking you to see your full picture before assuming you already have the best option on the table.
What if I don't qualify for either funding program? +
That's exactly why we route everyone through the Hidden Revenue Report first. Capital is one of four programs we offer. If funding isn't the right fit today, you very likely still qualify for tax refunds through Tax Recovery, monthly savings through Payroll Tax Savings, or fee elimination through Cash Discount Processing. Most business owners we speak with had more on the table than they realized.
How long does the process take from start to funded? +
Revenue-Based Capital moves quickly — approvals can happen within days of submitting bank statements. The 0% Business Credit program involves a structured application process that typically takes 1–3 weeks from qualification to funding. We'll set accurate expectations for your specific situation during our first conversation.
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Before You Apply Anywhere —
Know Everything You Qualify For.

The Hidden Revenue Report takes a few minutes and checks all four programs. Most business owners walk away knowing they had more on the table than they thought.

Tax Recovery
Payroll Tax Savings
Cash Discount Processing
Growth Capital
Run My Hidden Revenue Report →

No cost. No obligation. Takes a few minutes.

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