See How Credit Growth Academy Works
Clear steps. Real transactions. Responsible credit-building behavior.
🔍 What Credit Growth Academy Does (Quick Overview)
Credit Growth Academy (CGA) helps small business owners, gig workers, and startups build credit readiness the right way—through education, documentation, and responsible payment behavior.
We don’t sell shortcuts.
We provide systems, structure, and proof lenders expect.
How CGA Net-30 Works — In 3 Simple Steps
📝 Step 1: Apply for CGA Net-30
Submit the CGA Net-30 application to be reviewed for eligibility. This step confirms your business information and ensures Net-30 is used responsibly for legitimate business purposes.
🔍 What’s reviewed
🏢 Business name and EIN
📇 Contact information
🧰 Intended use of CGA products
🛒 Step 2: Use Net-30 for Real Business Purchases
Once approved, you can purchase eligible CGA digital products, tools, and memberships using Net-30 terms.
These are real business transactions that include:
🧾 Invoices
🧾 Receipts
📆 Clear payment terms
📂 Records suitable for bookkeeping and documentation
Each purchase supports credit readiness by reinforcing organized, lender-friendly business behavior.
⏱️ Step 3: Pay On Time and Build Payment History
Pay your Net-30 invoice on or before the due date. Consistent on-time payments are the foundation of strong business credit credibility.
On-time payments help:
✅ Establish positive payment behavior
🤝 Build confidence with vendors and lenders
📈 Create verifiable transaction history
ℹ️ Trade Reference Note
After three (3) on-time Net-30 payments, eligible customers may request a CGA trade reference confirmation where accepted by the applying vendor or lender. Trade references are not the same as credit bureau reporting.
⚖️ What CGA Net-30 Is — And Isn’t
✅ What it is
📅 A Net-30 payment option for CGA products and services
🧾 Real invoices and documented transactions
🧭 A structured way to build responsible payment history
❌ What it isn’t
🚫 A guarantee of credit approval
🚫 Automatic credit bureau reporting
🚫 A substitute for business compliance or fundability