About Credit Growth Academy
Helping entrepreneurs build real business credit with confidence.
Helping Entrepreneurs Build Business Credit, Funding Power, and Financial Freedom — the Right Way.
Credit Growth Academy (CGA) was created to solve one of the biggest problems facing entrepreneurs, gig workers, and small business owners today:
Access to real business credit without risking personal credit.
Too many business owners are forced to rely on personal credit cards, personal guarantees, and high-interest loans just to survive. Credit Growth Academy exists to change that reality by providing a clear, proven, step-by-step path to building real business credit using your EIN — not your Social Security number.
Our Mission
Our mission is simple:
To empower entrepreneurs with the tools, education, and systems needed to build business credit, access funding, and grow sustainable companies—without personal financial risk.
We believe that every business owner deserves:
Access to capital
Freedom from personal guarantees
Financial literacy
A scalable path to growth
Who Credit Growth Academy Is For
Credit Growth Academy is built for:
✅ Gig workers & independent contractors
✅ New entrepreneurs & startups
✅ E-commerce sellers
✅ Service-based business owners
✅ Digital creators
✅ Real estate & investment entrepreneurs
Whether you’re just getting started or already operating a business, CGA meets you exactly where you are and shows you how to scale from there.
What Makes Credit Growth Academy Different
Most platforms only teach theory. CGA focuses on execution.
With us, you don’t just learn about business credit — you:
✅ Build it
✅ Track it
✅ Protect it
✅ Leverage it
We combine:
Real-world vendor strategies
Net-30, Net-60, and Net-90 guidance
EIN-based credit building systems
Digital income stacking strategies
Automation tools
And step-by-step education
All in one ecosystem.
Meet the Founder
Credit Growth Academy was founded by Gerald Lacey, MBA, MSSCM—an entrepreneur, educator, and business credit strategist with over two decades of experience in business development, finance education, and digital publishing.
Throughout his career, Gerald witnessed thousands of hardworking entrepreneurs struggle not because their businesses failed—but because they were forced to rely on personal credit, personal guarantees, and high-interest debt just to survive. Too many great ideas collapsed under financial pressure that could have been avoided with the right systems.
That reality is what led to the creation of Credit Growth Academy.
CGA was built to give entrepreneurs a real, step-by-step system to:
Separate personal and business credit
Build fundable business profiles
Access vendor credit using EIN only
And scale safely without risking their personal financial future
Gerald’s vision is simple:
Every entrepreneur deserves access to capital, opportunity, and financial power—without sacrificing personal security.
Today, Credit Growth Academy serves gig workers, startups, e-commerce sellers, service businesses, and digital entrepreneurs nationwide with execution-focused education—not hype.
What Our Members Achieve
Credit Growth Academy is built for real-world results. Our members don’t just learn—they execute. Through our structured systems and tools, members work toward achieving:
✅ Fundable business profiles across all major credit bureaus
✅ Vendor credit approvals using EIN-only strategies
✅ Strong PAYDEX, Experian, and Equifax business scores
✅ Full separation of personal and business credit
✅ Approvals for Net-30, Net-60, and Net-90 vendor accounts
✅ Access to business funding programs and capital readiness tools
✅ Long-term scalability without personal guarantees
Our system is designed to move members from:
Idea → Fundable Business → Scalable Company
This is not theory. This is a proven execution framework for entrepreneurs who are serious about building real business credit and long-term financial power.
Our Core Values
Everything we do is built on these principles:
Integrity First – No shortcuts, no scams, no misleading promises
Education Over Hype – You learn how the system really works
Execution Over Theory – We focus on action, not just information
Wealth With Responsibility – Building credit is about freedom, not reckless debt
Entrepreneur Empowerment – We build owners, not borrowers
What We Offer
Through Credit Growth Academy, members gain access to:
📘 Step-by-step eBooks & guides
🧾 Business credit building systems
📊 Fundability tools & checklists
🧠 Digital income strategies
🏦 Net-30 & vendor account guidance
🔗 Vendor reporting education
🚀 Growth & scaling frameworks
Everything is designed to move you from:
Idea → Fundable Business → Scalable Company
Our Long-Term Vision
Credit Growth Academy is more than a learning platform — it’s a financial empowerment ecosystem.
Our long-term vision includes:
A national entrepreneur education platform
Business credit reporting tools
Automated funding readiness systems
Strategic vendor partnerships
Digital asset creation at scale
We’re building infrastructure for the next generation of business owners.
Why We Exist
Because too many business owners:
Are denied funding unnecessarily
Don’t understand fundability
Are trapped in personal debt
Never learn how to separate personal and business credit
CGA exists to break that cycle.
Ready to Build Business Credit the Right Way?
You don’t need perfect credit.
You don’t need massive startup capital.
You don’t need years of experience.
You only need the right system.
👉 Join Credit Growth Academy and start building real business credit today.