How STR Pros Reduce Out-of-Pocket Startup Costs Using Business Credit (Without Tapping Home Equity)
How STR Pros Reduce Out-of-Pocket Startup Costs Using Business Credit
Most new short-term rental (STR) investors believe they need to front $30K–$100K in cash to launch — for furniture, design, amenities, and repairs — after the mortgage is handled.
But there's a lesser-known strategy that top operators use to launch faster with less cash: they leverage business credit lines through providers like Fund&Grow.
🚀 What is Fund&Grow?
Fund&Grow is a U.S.-based company that helps entrepreneurs and real estate investors access up to $150,000 in 0% interest business credit — without relying on your property’s equity.
ViaSTR is now an affiliate partner, meaning we’ve verified their process and negotiated access for our members.
💸 What Can STR Credit Be Used For?
You can use these credit lines for nearly all non-mortgage startup costs, including:
- Furniture & décor
- Hot tubs and fire pits
- Repairs and light renovations
- Marketing, photography, and listings
- Operating capital during ramp-up
Some investors even use it to float cleaning costs, landscaping, and minor upgrades between guests.
🧠 Why STR Investors Prefer This Over HELOCs or Partners
Unlike a HELOC, this business credit:
- Doesn't require home equity
- Doesn't affect your personal debt-to-income ratio
- Can be obtained before your first deal closes
- Keeps your ownership 100% intact (no equity-sharing)
It also helps build your business credit profile — a huge asset if you plan to scale into 2, 5, or 10 properties.
🔐 Is It Safe and Legit?
Fund&Grow has helped clients secure over $1.4 billion in funding since 2007. They’re Better Business Bureau accredited, and ViaSTR has signed a formal partnership agreement with them.
They charge a flat fee (or performance-based option), and you get:
- A team that applies on your behalf
- No hard pulls on your credit
- A 60-day guarantee
- Access to a member portal to track all progress
🧭 How to Get Started
We recommend two paths:
- Schedule a Funding Call:
→ Schedule Here - Watch the On-Demand Webinar:
→ Watch Now
Once you’re enrolled, you’ll get access to 0% funding offers, your custom strategy, and status updates.
📌 Final Thought
If you’re a W2 earner looking to launch or scale an STR with minimal out-of-pocket spend, this might be the smartest way to get started — without touching your home equity or bringing on partners.
ViaSTR members get direct access and support through our affiliate relationship. Questions? Just reply or contact us directly.
