Done-for-you business funding
Get the capital to grow your business — at 0% interest.
FundRocket secures 0% interest business credit and low-rate term loans for entrepreneurs nationwide. We build the funding profile, map it against what each lender actually underwrites, and handle the applications from start to approval.
A 30-minute call, no commitment, and a straight answer on what you can realistically get approved for.
- $40M+ secured
- 500+ entrepreneurs funded
- 0% interest for up to 18 months
- Round one funding in 24 hours to 7 days
Trusted by the coaching, real estate, and mentorship communities we fund for
The real reason you got declined
Banks don't reject businesses. They reject profiles.
Most entrepreneurs walk into a bank, apply for one card or one loan, get declined, and assume they're not fundable. That's almost never what happened. Every lender underwrites off a specific set of data points — how you register your entity, how you report income, how much revenue you project, how thick your credit file is, which banks you already have relationships with. Get one of those inputs wrong and you get a decline letter. Get them right, in the right order, across the right lenders, and the same profile gets six figures at 0% interest.
That sequencing is the entire business. It's what we do all day.
The difference
Same profile. Three very different outcomes.
Doing it yourself
- Applications fired off wherever looks promising
- Hard inquiries spent with nothing to show for them
- Every decline makes the next approval harder
Walking into your bank
- One lender, one product, one answer
- Underwritten against a single box you either fit or don't
- “Come back when you've got two years of revenue”
FundRocket
- A sequence mapped to what each lender actually underwrites
- Applications prepared and processed with you, in the right order
- Multiple approvals stacked — not one shot at one bank
The products
Three funding vehicles. One coordinated plan.
0% Interest Credit Stacking
Business and personal credit cards with introductory 0% APR periods, opened in a coordinated sequence across multiple lenders. This is the core of what we do — capital you can deploy immediately without an interest payment during the promotional window.
Personal Term Loans
Fixed-rate installment funding, typically $10,000–$80,000 per loan, for clients who need cash in a bank account rather than a credit line.
HELOC Funding
For homeowners with equity, a home equity line of credit opens access to significantly larger amounts of capital at rates well below unsecured options. You draw what you need, when you need it, secured against the property.
0% rates are introductory promotional periods set by the issuing bank and vary by card. Standard APR applies after the promotional window ends. HELOCs are secured by your home and carry rates set by the lender, which are typically variable. We walk you through the exact terms of every product before you apply.
How it works
Five steps. Mapped in advance. Executed with you.
From qualification to your fourth round of funding, nothing is left for you to guess at.
- 01
Qualify in 2 minutes
Short application. We check your credit profile against lender requirements before anyone gets on a call, so we're not wasting your time or ours.
- 02
Funding strategy call
We map your profile against each lender's underwriting box and show you what you can realistically expect approved, in what order, and why.
- 03
Profile prep
Entity setup, data points, and file cleanup so every application hits underwriting the way it should.
- 04
Live application day
Our team processes your applications with you in real time, lender by lender, in the sequence we mapped. Reconsideration calls handled where needed, and you see every approval as it comes in.
- 05
Rounds 2, 3, and 4
One round is a starting point, not a finish line. We keep sequencing new approvals as your profile seasons, and you stay in FundRocket Insiders for support the whole way.
Why us
What makes FundRocket different.
We tell you where you stand first.
Before anything else, we assess your profile against what lenders actually require. If you're fundable, we show you the realistic range. If you're not there yet, we tell you exactly what to fix instead of running applications that are going to be declined.
Your applications are handled for you.
Our funding team prepares and processes every application with you in a scheduled working session — sequenced lender by lender, in the right order, on the same day. You're never left alone with a form, guessing at an answer that could cost you an approval.
Lender-specific knowledge.
We track what each bank actually underwrites to, how long they want to see an entity registered, how they treat projected revenue, and when a relationship helps or hurts. That knowledge is the difference between a decline and an approval.
A roadmap, not a transaction.
We plan rounds 2 through 4 from day one, and every client joins FundRocket Insiders — our private community for funded clients — for ongoing strategy, deployment ideas, and support.
Who we fund
Capital for people building something.
Results
The numbers so far.
$40M+
Total funding secured for clients
500+
Entrepreneurs funded
$75K
Average client approval
24 hrs – 7 days
Typical time to funding in round one
Individual results vary and depend on each client's credit profile, financial situation, and lender underwriting. Figures shown reflect specific client outcomes and are not a promise or guarantee of similar results.
Client stories
In their words.
Working with Fund Rocket has been nothing short of a game-changer for me and my business. Their team made what can often be a complex and overwhelming process feel incredibly seamless from start to finish. Thanks to their expertise and guidance, I was able to secure substantial new credit lines that will play a key role in scaling my real estate investment portfolio. No headaches, no confusion, just clarity, and most importantly, results.
Mike Benoit
Real estate investor · Google review, Jun 2025
Stephen of Fund Rocket and his team are absolutely excellent. Stephen helped me with credit cards, access to resources for liquidation when needed, setting up my LLC, EIN, and so much more. His team is always easy to reach, easy to talk to, and communication is truly a priority. If you're looking for someone you can trust to guide you through the process, Stephen is your guy.
Shavon Aluli
Business owner · Google review
My experience working with fund rocket was seamless. Stephen and his team was really helpful to help me get started with my funding. Very satisfied with their timeliness, helpfulness, and expertise.
Shantel Silva
Business owner · Google review, Aug 2025
Stephan and his team were a pleasure to work with their knowledgeable understanding and their turn around time is quick. 10/10 highly recommend!
Brandi Lambert
Business owner · Google review, Jul 2025
Stephen and Erica are fantastic to work with! They were incredibly patient with us as we asked a ton of basic questions and they responded quickly. Not only were they able to help us acquire more funding than we expected, they also broke down how best to strategize our business transactions going forward. I would certainly work with them again!
Derek Britton
Business owner · Google review, Jun 2025
Fund Rocket provided a great service to our business. They helped us secure a significant amount funds that we were able to use to scale our real estate portfolio. They were extremely organized and communicated every step of the process. My husband and I are grateful that we utilized their services. We highly recommend them.
Shantel Padilla
Real estate investor · Google review, Jun 2025
Stephen and his team are absolutely PHENOMENAL. Not only does he posses a wealth of knowledge on credit, funding, and how to maximize the use of your cards, but he's also extremely genuine, transparent, and more than willing to help. Partnering with Stephen has allowed me to help even more clients grow their business by securing maximum funding. I'm grateful for this team and the partnership we've built. I would (and do) HIGHLY recommend this company for your funding needs.
Nadiyah Carey
Referral partner · Google review, Jun 2025
Individual results vary and depend on each client's credit profile, financial situation, and lender underwriting. Figures shown reflect specific client outcomes and are not a promise or guarantee of similar results.
For program owners
Do you run a coaching program, mastermind, or mentorship?
Your students don't stall because they lack the strategy. They stall because they lack the capital. We become the funding arm of your program — so your members get funded, implement, and stay.
Explore the Partner ProgramFAQ
Straight answers.
We're a done-for-you funding brokerage. We analyze your credit profile, map it against the lenders most likely to approve you, prepare your file and your business data points, and then apply with you on a live call. We're not a lender — the approvals come from banks. We're the strategy and execution layer that gets you through their door.
Pricing depends on your profile and the funding strategy we build for you, so we go through it directly on your strategy call. There's no cost to have that conversation, and you'll know exactly what to expect before anything moves forward.
Our benchmark is a 700+ Experian FICO with a reasonably established credit file. Score is only part of it — average age of accounts, your highest existing limit, utilization, and recent inquiries all matter. If you're close but not quite there, we'll tell you what to fix.
No. Credit cards and term loans are underwritten primarily off your personal credit profile, which is why brand-new entities and first-time founders can get approved. HELOCs are underwritten on home equity and income, not business history. That's the whole point — you don't have to wait two years for a business credit history to get capitalized.
Yes, and it's specific. These are introductory promotional APR periods offered by the issuing banks, typically running somewhere between 6 and 18 months depending on the card. During that window you pay no interest on purchases. After it ends, the card's standard variable APR applies to any remaining balance. We walk you through the exact terms of every product before you apply, and part of the strategy is planning how you'll pay it down or restructure before the window closes.
Applying generates hard inquiries, and new accounts temporarily lower your average age of accounts, so expect a short-term dip. Carrying high balances against your new limits will also affect utilization. Most clients recover as the accounts season, but you should go in understanding this is real — we'd rather set that expectation now than surprise you later. If your profile can't absorb the inquiries right now, we'll tell you to wait.
Find out what you're actually approvable for.
Thirty minutes. We'll go through your actual credit profile, tell you the realistic range, and tell you straight if this isn't a fit right now.