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Zero Down Land Deals: How to Buy Land with Business Credit with Amanda Webster

Writer's picture: Kendall LeJeuneKendall LeJeune

OnlyLandFans Podcast Ep. 94



LandFans, ready to unlock a game-changing strategy for funding your next land deal? We recently sat down with Amanda Webster, Fund&Grow's COO, who dropped some serious knowledge bombs about using business credit to scale your land business. And trust me, this isn't your typical financing chat – we're talking about potentially getting up to $250,000 in business credit with 0% interest!


Why Business Credit is Your New Best Friend


Let's cut to the chase: capital is often the biggest hurdle in land investing. But what if you could tap into a revolving line of credit that looks like cash to sellers and doesn't show up on your personal credit report? That's exactly what Amanda revealed about business credit cards.


"Business credit cards are the exact same thing as a business line of credit. They're just housed in a different vehicle," Amanda explained. "You can use it for anything and everything – even to purchase land. It's revolving, unsecured debt."


The Magic of 0% Interest


Here's where it gets juicy. Amanda's team specifically targets 0% interest offers, potentially giving you 12-24 months to work with interest-free capital. Think about that for a second: you could close a land deal, improve it, and flip it before paying a dime in interest.


Breaking Down the Business Credit Journey

Amanda shared that building business credit is a 12-month process, but don't let that timeframe scare you. Here's what you need to get started:


  • A credit score of 680 or higher

  • Two revolving accounts with major lenders

  • Some installment history (car loan, mortgage, etc.)

  • Low credit utilization (under 35% is ideal)


Success Story That'll Blow Your Mind

Want proof this works? Amanda shared a story about a 17-year-old who used his dad's business credit to:


  1. Purchase a property

  2. Fund renovations

  3. Flip it for an $80,000 profit

  4. All with just a 2.5% cost of capital


Smart Rules for Business Credit Success

Amanda emphasized these golden rules for using business credit wisely:


  1. Keep personal purchases on personal cards, business purchases on business cards

  2. Avoid cash advances

  3. Start small – don't feel pressured to use your entire credit line immediately

  4. Have a clear plan for repayment before the 0% period ends

  5. Use business credit for ROI-generating activities


The Long Game: Beyond Just Funding Deals


Here's something most land investors miss: business credit isn't just about funding deals today. Amanda revealed that with proper business credit building, you could eventually qualify for non-recourse commercial lending – meaning loans that don't require personal guarantees. Imagine buying million-dollar properties without putting your personal assets on the line!


Ready to Level Up Your Land Game?


P.S. While you're reading this, our members are closing deals. Time to get in on the action!

Want to dive deeper into this game-changing strategy? Watch the full interview to get all of Amanda's insights, including:


  • How to talk to underwriters and overturn credit denials

  • Strategies for maximizing credit limits

  • Tips for maintaining healthy business credit


Drop a comment below with your biggest takeaway from this interview. Have you used business credit for land deals before? We'd love to hear your experience!



Remember, LandFans: in this community, we don't just flip land – we revolutionize how it's done. Let's get that business credit working for you!


Enjoy the show!


Amanda Webster is Fund&Grow's Chief Operating Officer. She joined the team in 2020 with vast legal knowledge and over 20 years of management experience, and she has been pivotal to the company's continued growth. Amanda is the CEO’s right-hand to ensure all departments continue to run smoothly, works with the management team to improve processes, and coordinates employee events to foster a healthy work environment.


Ready to build business credit? Visit startfundandgrow.com to get $500 off plus a FREE partner upgrade on your Fund & Grow membership. 


 

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