If I had one-time 100$ and I want to increase business growth in SFI, I would definitely invest in 4 S-Builder Co-op Units.
There is no other way to one-time encourage business and increase my team.
All other ways require investment every month, and I think that is not the point of this question.
So, I would spend 88$ on 4 S-Builder Co-op Units, and with the remaining of 12$ I would buy 20 T-Credits and use them to list 20 unwanted items for sale.