Hard Money Made Easy?

[Tudor Sabie]

Hi all, I came across this company that had been recommended by an investor on youtube, apparently seems legit. Business loans between $50K to $250K with 0% interest rate for up to 18 months. The catch? You need to pay an yearly membership of around $3400. I chatted with them on the phone and said that they work with different banks and the loans are issued as "personal loans" based on the individual's credit score, and it can be used to purchase real estate as well. I have never used hard money before, though I know it costs more than $3500 to borrow $200K for 6 months. Wanted to know if someone has used this?  fundandgrow.com     Thanks