Build business credit the right way using your EIN — real tools, real payment behavior, no shortcuts.
🔒 No personal guarantee required
📊 Built for startups & small businesses
🔄 Cancel anytime
Starter Access — One-Time $29
🟦 PLAN 1 — Starter Access
Price: $29 / month
Best for: New businesses learning the system
Includes
Business credit education & fundamentals
Access to CGA tools library (starter)
Vendor-readiness guidance
Credit structure & compliance basics
Trade-Reference Status
❌ No trade-reference eligibility
✔ Education & preparation only
🟦 PLAN 2 — Core Growth ⭐ Most Popular
Price: $49 / month
Best for: Businesses actively building credit
Includes
Everything in Starter
Expanded Net-30 product eligibility
Credit reporting education & timelines
Payment tracking & documentation tools
Trade-Reference Status
🔓 Eligible after 3 consecutive on-time payments
✔ Trade-reference readiness pathways
✔ Verified Payment Experience Certificate
🟦 PLAN 3 — Full Toolkit
Price: $79 / month
Best for: Funding-focused entrepreneurs
Includes
Everything in Core Growth
Full CGA tools, templates & binders
Funding readiness systems
Priority documentation & guidance
Trade-Reference Status
⭐ Priority eligibility after 3 on-time payments
✔ Advanced vendor pathways
✔ Priority trade-reference readiness support
How Trade-Reference Eligibility Works
🏛️ Join CGA
Access tools, education, and structured pathways.
🧰 Use Real Business Tools
Purchase and use real CGA digital products and Net-30 eligible tools.
⏱️ Make 3 On-Time Payments
Demonstrate consistent, credit-worthy behavior.
🔓 Unlock Eligibility
Become eligible for trade-reference pathways.
🏦 Apply With Third-Party Vendors
Vendors may report based on their own policies.
Verified Payment Experience Certificate
Members who complete three consecutive on-time Net-30 payments receive a Verified Payment Experience Certificate, documenting real business transactions and consistent payment behavior.
📄 Supports vendor applications
🏦 Useful for manual underwriting
🧾 Confirms trade-reference readiness
This certificate is not a tradeline and is not submitted to credit bureaus.
| Feature | Starter | Core Growth | Full Toolkit |
|---|---|---|---|
| Trade-Reference Education | ✅ | ✅ | ✅ |
| Net-30 Product Eligibility | ⚪ Limited | ✅ | ✅ |
| Verified Payment Experience Certificate | ❌ | ✅ | ✅ |
| Trade-Reference Pathways | ❌ | ✅ | ⭐ Priority |
| Third-Party Reporting Eligibility | ❌ | ⚪ | ✅ |
FAQ
Do CGA payments report to business credit bureaus?
No. CGA does not report payments. Reporting occurs only through third-party vendors.
Is this a contract?
No. All plans are month-to-month.
Can I upgrade later?
Yes. Upgrade or downgrade anytime.