🚀 7 Ways to Use $100K–$200K in 0% Business Credit to Scale Your Real Estate Portfolio Faster

Here are 5 ways you can help your clients get funding to grow their portfolios!

You can go from 1-2 properties a year to 3-6 with this method.

Most people think you need years of saving to invest in real estate. The truth? You can walk into a property without touching your own cash.

Here’s how it works:Hard money lenders usually cover 80% of the purchase. With $100K to $200K in 0% business credit, you can cover the rest — down payment, closing costs, and even gap funding.

First, let me clarify: business credit cards are different from business lines of credit. A line of credit usually requires revenue and caps at 10% of annual income (500K revenue = 50K line). With business credit cards you can access 100K to 200K in 0% funding right away. To use it for down payments and closings you liquidate the credit into cash at around a 6% fee. (Never use cash advances that cost 20% to 29%.)

Here’s what you can do with this strategy:

1️⃣ Marketing and deal flow

If you are wholesaling, you can use cards directly for ads, VAs, and dialers. No liquidation needed. More leads = more deals closed.

2️⃣ Down payments and closing costs

Example: You need 20% down on a DSCR loan. On a 200K property that is 40K. Liquidation costs $2,400. Add cash back of $800 and your net cost is only $1,600. Would you pay $1,600 to acquire a property with tax benefits, appreciation, tenant pay down, and monthly cash flow?

3️⃣ Gap funding

If a lender covers 90% of purchase, you can gap fund the last 10% using business credit. This lets you scale deals faster instead of waiting years to save up.

4️⃣ Courses and mentorships

Want to hire a mentor or join a 10K program too fast track your portfolio? Swipe your business credit card at 0% and give yourself 12 to 18 months to pay it off.

5️⃣ Tenants and toilets (the ugly side of investing)

Every investor has heard this phrase. When mold pops up in the walls or a furnace dies in winter, it’s better to have access to capital than to be cash strapped.

6️⃣ Forcing appreciation

Use business credit for value-add projects or building an ADU. Then run a BRRRR and do a cash-out refinance to pay off the card. This is how many investors end up owning property for $0 out of pocket.

7️⃣ Liquidity and construction draws

Many lenders want to see 6–9 months of liquidity or require you to front costs before reimbursing. Use business credit to cover materials and labor, then get reimbursed by the lender.

And this is just the start. On top of business credit, we can also set clients up with SBA loans, unsecured cash loans at 7% to 10%, business lines of credit, and much more. Combine these tools with traditional loans and hard money, and you will be able to fund far more deals than ever before.

The truth is you can use 0% business credit for 95% of your investing operation. For ACH transfers and title company payments, you liquidate to cash. For everything else, you can use cards directly.

I have used this strategy to fund 100% of my deals, and it works.

If you want to see a detailed breakdown video on how this works and how to get funding, comment "100" and I’ll send it over.

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