I've worked with them twice already
I've worked with them twice already, will do a third!
Since 2007, Fund&Grow has helped Entrepreneurs, Business Owners, and Real Estate Investors obtain over $1.7 Billion in business funding (without putting up any collateral, giving up any equity with Interest Rates as low as 0%).With a A+ Better Business Bureau Rating, over 5,000+ 4.9 Star Reviews, and Inc 5000 recognition every year since 2016, you can be sure we will do everything in our power to get you up to $250,000 in Business Funding as quickly as possible (often as little as 2-3 weeks).We offer convenient Payment Plans to pay over 60 or 90 days as well as a 60 Day Money Back Guarantee. Fund&Grow is a team of 65+ based out of Spring Hill, FL.
Written by the business, not verified by us.Fund&Grow (fundandgrow.com) has a 4.6 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 88% of reviews are 4 stars or higher and 7% are 1 star; The business has replied to 50% of negative reviews; 34 of them were added in the last 12 months. Last updated 2026-08-12.
I've worked with them twice already, will do a third!
Very professional work, the guys work quickly and efficiently, we are very happy to work with you, thank you.
I signed up for Fund and Grow back in November, and I want to share an honest and detailed review before you consider spending $3,500 on their service. So far, I’ve been disappointed, and I don’t believe the value is worth the cost. You can do this work yourself and save the money. Customer Support: The One Positive I’ll give credit where it’s due—customer support is solid. Their team is U.S.-based, responsive, and helpful. However, that’s where the positives end. The First Major Issue: Paying Down Debt First Once you sign up and pay, you’re required to pay down your existing credit card balances before they’ll even start the process. Specifically: • Personal credit cards must be under 35% utilization • Business credit cards must be under 50% utilization This completely defeats the purpose of using their service to get more credit—instead, you have to come up with even more cash before they’ll help you. Then, once you pay down your balances, you have to wait for your credit reports to update, which usually happens at the beginning of the next month. This can delay the process by 2-3 months, conveniently eating into their 60-day money-back guarantee. Minimal Funding and Lack of Value When they finally started applying for credit, they only submitted four applications in the first round. Even worse, they asked me to apply for one of them myself—wasn’t that what I paid them for? I was only approved for $42,000 in total, which is far less than I expected. The cards they applied for were: • Chase Business Card • U.S. Bank Business Card • Flagstar Business Card • Amex Business Card For reference, my credit score was 740 before we even started, yet I still had to pay my balances down before they would begin. The Hidden Work & Costs After getting me approved, they told me to send dispute letters to all three credit bureaus to remove the hard inquiries from my credit report. This is critical because they rely on increasing your limits in 3-4 months, but banks look at how many recent inquiries you have. For $3,500, you’d think they would handle credit repair, but no—you have to do it yourself. They provide template letters, but you have to: • Fill them out • Mail them via certified mail • Hope the bureaus remove the inquiries So far, only Experian removed them, and now I have to send the second round of letters, taking even more of my time and money. They do offer a third-party service to handle this for an extra fee. Pushing Aggressive Credit Usage They strongly encourage you to use your new credit aggressively and pay it down quickly to build relationships with the banks. I get why, but the whole reason I signed up was to get 0% interest credit to buy fix-and-flip properties without needing cash upfront. $42,000 doesn’t even come close to meeting my goals—especially when the highest limit I got was an $18,000 Chase card. Just last week, I personally applied for a $14,000 Citibank card on my own, proving I could have done this without Fund and Grow. Final Thoughts: Save Your Money I just wanted to warn others before you pay for this service. It will cost you far more in the long run—both in time and additional expenses. If you want to do it yourself, I’ve outlined the exact steps you need to take and which cards I was approved for. There’s no reason you can’t DIY this process and save $3,500. You’re welcome!
Hi Jody, We appreciate you taking the time to share your experience and providing a detailed review. While we’re happy to hear you found our customer support helpful, we’re sorry that your expectations weren’t fully met. To clarify, our service is designed to help business owners secure the highest possible funding while saving them time, effort, and potential missteps. Yes, this is a process that can be done independently, just like many financial and business strategies. However, our expertise, industry relationships, and proven methods allow us to navigate the funding landscape strategically—often securing higher approvals and better results than the DIY route. Regarding the paydown requirements, these are not Fund&Grow’s rules but rather banking and underwriting guidelines that apply universally. Starting with the strongest credit profile ensures the best approvals, higher limits, and long-term success. Our team works closely with clients to provide personalized strategies to overcome these hurdles. As for the application process, we apply strategically to ensure approvals while maintaining future funding potential. Every client’s funding journey is tailored to their unique financial situation, and while $42,000 may not have met your initial expectations, this is only the first phase. Many of our clients see their limits significantly increase in subsequent rounds. We understand that expectations and needs vary, which is why we offer extensive education in our funding masterclass—allowing clients to decide whether to pursue funding on their own or leverage our expertise to maximize results with less time and risk involved. If there’s anything we can do to better support you moving forward, we’d be happy to discuss further. Please reach out to our team, and we’d love the opportunity to assist you.
Perfect. Amazing team
Everything about dealing with Fund and grow was 5 star Very professional Very helpful I was extremely clear on every step along the way from start till after finish Especially Angela she was a pleasure to deal with her
What made my experience great with Fund & Grow is that they offered me personalized strategies based on my business needs and financial situation. The thing that Found & Grow is doing well in my opinion is the speed at which they access funding allowing me to act quickly on business opportunities. They helped me to access over $70,000 within a month.
Thank you so much Kevin, for taking the time to share your experience with Fund&Grow! We're thrilled to hear that our personalized strategies aligned with your business needs and helped you access funding so efficiently. Our goal is always to empower our clients with tailored solutions while ensuring quick access to capital, so they can seize opportunities when they arise. It’s fantastic to know we helped you secure over $70,000 in just a month—this is exactly the kind of impact we strive for! We’re honored to be part of your business growth journey, and we look forward to supporting you with your future financial goals. Please don’t hesitate to reach out if there’s anything else we can assist you with.
The staff was friendly, professional and knew what they were doing.
They delivered on their promise, and communication has been quick and straightforward. They got us the funding to get our project off the ground!
I have had a great experience with Fund and Grow. They were courteous and patient in explaining their programs.
Thank you for sharing your kind words about your experience with Fund&Grow! Our goal is to ensure every client feels supported and well-informed throughout the process, so knowing we succeeded means a lot. If you have any further questions or need assistance in the future, don't hesitate to reach out—we’re always here to help! We look forward to working with you again and helping you achieve your financial goals.
Fund&Grow has been incredible. For the past three years I’ve been a client, and each time I’ve used them, I’ve been impressed with their results. Thank you to everyone there, and a special thank you to Reed!
Easy to work with, clear and prompt communication, and helped me secure lines of credit quickly.
Fund & Grow process was so easy; they have made it a painless process. Angela J was fantastic, attentive, and thorough. This was my 2nd time within 5 years working with F&G to get funding for my new business. Thanks again, F&G This is REAL
Thank you so much for your wonderful feedback and for trusting Fund\&Grow not once but twice over the past five years! We’re thrilled to hear that the process was smooth and that Angela exceeded your expectations with her attentiveness and thorough support. Helping entrepreneurs like you secure funding to grow your business is what we’re all about, and it’s incredibly rewarding to know we’ve been able to assist you along your journey. If there’s anything else we can do to support you or if you have any future funding needs, don’t hesitate to reach out. Wishing you continued success with your new business!
I can't say enough good things about Fund & Grow! They truly delivered on their promise to help me access business credit. Jose was a pleasure to work with – professional, knowledgeable, and always available to answer my questions. Thanks to them, I now have the funding I need to take my business to the next level. Five stars!
Thanks to Natalia, my expectations were exceeded, and the communication, service, and the results were 100%
I was skeptical at first because well as an adult we overthink and it was a process I never thought of. After going through the process and really seeing how it works and how beneficial it is currently, as well as the future, I look forward to continuing business. My advisor was great at answering all the ridiculous questions I had and had been very helpful and responsive.
Awesome support and super easy to get funding for Chase and American express
Not only did Fund&Grow fail to deliver on their promises, but I also discovered that they mishandled sensitive information which lead to leaks of my personal data. It seems like they are engaging in practices that could be illegal and when I questioned them on it they immediately terminated my account and the accounts of 6 people that they know are associated with me. I wouldn't trust them with my business or my sensitive information of any kind ever again.
Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and would appreciate the opportunity to address your concerns. Please don’t hesitate to contact our office at your earliest convenience and ask for our Operations Manager, Chris. We’re committed to resolving any issues and ensuring your satisfaction. We look forward to hearing from you.
Fund and Grow is the best for Business and Personal credit. You want funding, call them. Please
I worked with them in the past, they got me two small credit cards, but didn't like the fact that they don't listen. I told them not to apply to Amex, because I discharged AmEx in BK a decade ago, and apparently AmEx blacklists you for life after that, F&G still applied to them, of course got denied, and I ended up with a useless inquiry on my report. This time around decided to apply again, credit is good, everything is good, but every time I call them there is something new: you need to pay down your business cards to 50% and personal cards to 30% - OK, spent $40,000 and done. Next month, you need to pay off a closed account ($64) - OK, done, had to wait a month for a new statement. Next month, you need to remove inquiries. Three months and something new every month, I finally lost interest. If you are looking for an ideal client with 10% credit usage, 800 score and no inquiries on the report, I don't need you, I can waltz into any bank and get what I need. Waste of time!
Thank you for taking the time to share your feedback, Alex. We're sorry to hear about your experience and want to address your concerns. When it comes to securing the maximum amount of funding for our clients, we take a strategic approach. This often involves optimizing a client’s credit profile to ensure the best possible outcomes with lenders. While it may feel like additional steps, these adjustments are necessary to help you qualify for the highest funding amounts at the lowest rates. We understand your frustration with the process and the specific situation regarding AmEx. We regret any inconvenience caused, as our intention is always to follow client instructions and avoid any actions that may not be beneficial. In your case, it seems we were unable to continue moving forward after the initial payment toward your membership plan. Despite our efforts to reconnect with you, we were unable to resume service, and we regret not having the chance to fully assist you in achieving your funding goals. We value your feedback as it helps us improve and better serve our clients. If you’d like to discuss your concerns further or revisit your funding goals, we’d be happy to speak with you. Please feel free to reach out directly at (800) 996-0270. We wish you the best in your financial journey.
German is it very professional person.excelent job congratulations German.
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