Business Credit Myths That Keep You Broke

Expose the Lies Holding Back Your Business—and How to Build Credit That Creates Wealth

De: Gerald Lacey MBA MSSCM

Narrado por: Virtual Voice

Break Free From the Myths That Keep Small Businesses Broke.
Unlock the Truth About Business Credit — and Build the Foundation of Wealth.

Most entrepreneurs, freelancers, and gig workers never scale—not because they lack talent or drive, but because they’ve been misled. They’ve been told business credit is dangerous… that it’s only for big companies… that it takes years… or that perfect personal credit is required.

None of that is true.

In Business Credit Myths That Keep You Broke, Gerald Lacey, MBA, MSSCM, dismantles the most damaging misconceptions holding small business owners back and replaces them with simple, proven strategies you can implement in days, not years.
Drawing from real case studies, field-tested methods, and practical guidance, this book shows you how to build credit under your EIN, gain access to revolving lines and vendor accounts, and create the kind of financial stability that allows your business to grow beyond your labor.

Inside You’ll Discover:

✔ The truth behind the #1 myth: “Business credit and personal credit are the same” — and how this mistake keeps entrepreneurs trapped in cashflow chaos.
✔ How to build a Paydex score in under 90 days, even if your personal FICO is damaged or limited.
✔ Why it doesn’t take years to build strong business credit—and the 6-month tier strategy used by top small businesses.
✔ Which vendors actually report, which ones don’t, and how to avoid wasting months with accounts that never build your profile.
✔ Why doing it alone slows you down, and the insider advantages entrepreneurs gain when they use the right tools, systems, and reporting frameworks.
✔ How credit builds wealth—not debt—and how successful entrepreneurs use it to increase valuation, scale faster, and unlock hidden opportunity.

If you’ve ever wondered why some entrepreneurs grow quickly while others stall, the answer is simple: they understand credit, leverage, and reporting.

Who This Book Is For

• New entrepreneurs and small business owners

• Gig workers and freelancers ready to scale beyond solo income

• LLC owners looking to build business credit without a personal guarantee

• Creators, consultants, and online sellers seeking real leverage

• Anyone tired of misinformation and ready for a strategic roadmap

What Makes This Book Different

Unlike generic “business credit guides,” this book is built around eight core myths—the specific misconceptions that keep people broke. Each chapter includes:

• Real-life case studies

• A simple strategy breakdown

• Cashflow and credit-tier frameworks

• 7-day or 30-day action steps

• A clear next move to accelerate your progress

It’s not theory.
It’s a practical blueprint you can follow immediately.

About the Author

Gerald Lacey, MBA, MSSCM, is an investor, entrepreneur, and founder of Credit Growth Academy (CGA)—a platform that helps small business owners, gig workers, and freelancers build fundable business profiles without relying on personal guarantees. He brings decades of experience in business development, branding, and financial strategy to help entrepreneurs grow smarter and faster.
If You’re Ready to Stop Struggling and Start Scaling — Start Here.

Break the myths.
Build real credit.
Unlock the leverage your business deserves.

Scroll up and get your copy today.