Credit Growth Academy eBooks
Step-By-Step Guides to Building Business Credit, Income, and Financial Power
At Credit Growth Academy, our eBooks are not theory — they are execution manuals designed to help entrepreneurs, gig workers, and business owners build real business credit, launch income streams, and scale with confidence.
Every guide is built for:
✅ Real-world execution
✅ EIN-only business credit strategies
✅ Beginner-friendly steps
✅ Scalable systems for long-term growth
Featured eBooks
Your step-by-step guide to building business credit without personal guarantees.
Learn how to structure your business for fundability
Build credit using your EIN, not your SSN
Access Net-30, Net-60, and Net-90 vendor accounts
Set up your business for real funding readiness
Learn how to launch your first digital business and turn clicks into income.
Build digital income streams from scratch
Monetize websites, content, and funnels
Turn traffic into revenue step-by-step
Create scalable online income
A beginner’s guide to launching profitable online stores with zero experience.
Open your first store in under 24 hours
Learn what to sell and where
Automate fulfillment and scaling
Turn products into steady income
Expose the false beliefs that block funding and financial growth.
Break common business credit myths
Avoid costly credit mistakes
Learn what lenders actually look for
Build smarter, faster, and cleaner
🚀 Why CGA eBooks Are Different
Unlike generic business books, CGA eBooks focus on:
✅ System-based execution
✅ Vendor-verified strategies
✅ Real-world credit workflows
✅ Scalable funding readiness
✅ Built-for-entrepreneurs education
These guides are designed to move you from:
Beginner → Fundable → Scalable
🧭 Who These eBooks Are For
- Gig Workers & Independent Contractors
New Startups & First-Time Entrepreneurs
E-commerce Sellers
Service-Based Business Owners
Digital Creators
Real Estate & Investment Entrepreneurs
If you want real business funding, real credit power, and real income systems, these guides are for you.
🎯 How To Use Your eBooks
✅ Select the guide that matches your current goal
✅ Follow the step-by-step execution plan
✅ Apply the strategies to your real business
✅ Track your results inside CGA systems
✅ Scale to the next level of growth
You don’t need perfect credit.
You don’t need massive startup capital.
You just need the right playbook.
👉 Browse the CGA eBook Library and start building real business credit and income today.
Asset Depreciation Snapshot Worksheet
A one-page tool to track, classify, and maximize tax deductions from business assets.
• Identify depreciable business assets
• Track purchase dates, cost, and business-use percentage
• Estimate annual depreciation accurately
• Prepare clean records for your CPA or tax preparer
Best for: small business owners, freelancers, and gig workers tracking vehicles, equipment, or technology.
Business Plans for Beginners
A simple, step-by-step framework to write a clear business plan—without overwhelm.
• Build a business plan in one weekend
• Clarify your business model and goals
• Organize financial and startup assumptions
• Create a lender- and funding-ready foundation
Best for: first-time founders, side hustlers, and new LLC owners.
The Beginner’s Guide to Business Credit with EIN Only
Learn how to build business credit without using your Social Security number.
• Understand EIN-based business credit
• Separate personal and business finances correctly
• Avoid common approval mistakes
• Build credibility with vendors and lenders
Best for: entrepreneurs who want funding without personal guarantees.
The 50 Best Net-30 Vendors for New Businesses
A practical guide to building business credit fast using verified Net-30 vendors—even with limited or no credit history.
Key Benefits (Bullets)
Identify starter-friendly Net-30 vendors that approve new businesses
Learn approval requirements before you apply
Understand which vendors report to major business credit bureaus
Avoid common mistakes that delay or block credit building
Build early tradelines that support funding and growth readiness
Startup Tax Essentials Checklist
A simple, step-by-step framework to write a clear business plan—without overwhelm.
• Build a business plan in one weekend
• Clarify your business model and goals
• Organize financial and startup assumptions
• Create a lender- and funding-ready foundation
Best for: first-time founders, side hustlers, and new LLC owners.
Business Mileage Tracker
An easy-to-use worksheet to track business mileage accurately and support IRS-ready deductions.
• Log mileage by date, purpose, and destination
• Track odometer readings and business-use totals
• Separate personal and business miles clearly
• Prepare clean records for tax reporting
Best for: gig workers, freelancers, delivery drivers, and small business owners using a vehicle for business.
EIN Fundability Checklist
Find out if your business is truly credit-ready before you apply.
Identify the top fundability factors lenders check
Confirm your EIN qualifies for business credit
Fix common issues that cause silent denials
Prepare your business for Net-30 and vendor credit
Drive, Track, Grow
How one gig worker turned Uber income into real business credit.
Learn how to turn rideshare income into a real business system
Set up an LLC, EIN, and credit-ready foundation
Track income, mileage, and expenses the right way
Build Net-30 vendor credit without using your SSN
Home Office Deduction Calculator
Find out if your business is truly credit-ready before you apply.
• Identify the top fundability factors lenders check
• Confirm your EIN is set up for business credit
• Fix common issues that trigger silent denials
• Prepare for Net-30 and starter vendor approvals
Everyday Deduction Checklist
Find out if your business is truly credit-ready before you apply.
Identify the top fundability factors lenders check
Confirm your EIN qualifies for business credit
Fix common issues that cause silent denials
Prepare your business for Net-30 and vendor credit
What Counts as a Business Expense? Worksheet
A simple, printable worksheet to organize and track your business expenses accurately.
• Capture all categories of business costs in one place
• Track purchase dates, vendor names, and business use %
• Prepare clean expense records for taxes or CPA review
• Create a reliable system for annual financial tracking
Startup Costs Deduction Log
A printable tool to capture, categorize, and organize your early business expenses for deductions.
• Log startup costs with dates and vendor details
• Track expense types for tax-ready classification
• Identify which costs qualify for deductions
• Prepare clean records for CPAs or tax filing
Premium Capital Readiness Binder
Run Phase 2 with milestone-based EIN credit systems, enforced vendor tier rules, and underwriting-ready documentation built for bank reviews.
Milestone-based EIN credit progression (not time-based)
Enforced vendor tier rules to prevent early denials
Underwriting-aligned documentation standards
Phase 2 readiness checks before higher-limit applications
Built for bank, credit union, and lender review consistency
Click, Credit, Cashflow
Turn clicks into income and build a fundable digital business with a step-by-step system designed for real execution.
Key benefits:
Build documented digital revenue
Establish EIN-based business credit
Set up Net-30 tradelines correctly
Prepare for real funding and scale
Gig Income-to-Credit Growth Tracker
Plan, track, and organize your gig income, credit applications, and vendor payments in one 90-day system.
Log weekly income across platforms
Track approvals/denials and due dates
Pay early to support stronger Paydex habits
Entity Structures Made Simple
Choose the right structure—LLC, S-Corp, or C-Corp—based on taxes, protection, and funding goals.
Compare entity types in plain English
Avoid costly setup and compliance mistakes
Build credibility for business credit and approvals
Marketing Made Simple
Learn branding, content, SEO, email, and funnels—explained clearly for small business owners.
• Beginner-friendly system
• 30-day action plan included
• Simple, practical, and actionable
Gig Income-to-Credit Growth Tracker
Plan, track, and organize your gig income, credit applications, and vendor payments in one 90-day system.
Log weekly income across platforms
Track approvals/denials and due dates
Pay early to support stronger Paydex habits
