Fire retarding, stain and/or mold protecting composition

A composition of matter comprising combined fire retardant and mold inhibitor components, which is suitable for spray-on application, wherein the fire retardant component includes ingredients in approximate percentages by weight as follows:

• Water
• 70˜90%;
• Phosphorous containing acid
• 5˜15%;
• Ammonium base
• 5˜15%;
• Wetting and/or other agent
• 0.05˜0.2%;
• Preservative
• 0.01˜0.1%;
• and wherein the mold inhibitor is present in an amount effective for kill, control, or prevention of growth of Stachybotrys chartarum after the composition is applied to, and dried and reached a constant mass on a substrate.

A method for making and/or using a composition embracing combined fire retardant and enhancing component(s) of a stain protectant and/or mold inhibitor as set forth below, comprising carrying out the method, wherein:

• the method of making comprises preparing a fire retardant base, and contacting it with the enhancing component(s), under conditions sufficient to form the composition;
• provided that, if the enhancing component does not include the stain protectant, the fire retardant base includes ingredients in approximate percentages by weight as follows:
• Water
• 70˜90%;
• Phosphorous containing acid
• 5˜15%;
• Ammonium base
• 5˜15%;
• Wetting and/or other agent
• 0.05˜0.2%;
• Preservative
• 0.01˜0.1%;
• and the mold inhibitor is present in an amount effective for kill, control, or prevention of growth of Stachybotrys chartarum after the composition is applied to, and dried and reached a constant mass on a substrate;
• and
• the method of using comprises providing the composition and applying it to a substrate.