The $1M Playbook
Six phases. One destination. Complete financial access.
Most people think credit repair is about disputing items. That’s just where we start. Each phase is a defined milestone, and each must be complete before the next begins — no skipping, no shortcuts.
Phase 1 · Clean baseline
Fix the Foundation
We audit all three bureau reports and challenge every item that is inaccurate, outdated or unverifiable — inquiries, late payments, collections, charge-offs, repossessions, bankruptcies and ChexSystems records. Accurate items get a strategy, not a dispute.
What GYCG does
- Pull Equifax, TransUnion and Experian reports on day one
- Categorize every negative item: disputable vs. accurate
- File bureau-specific dispute letters
- Track responses — bureaus must answer within 30 days under the FCRA
- Escalate non-responses, including CFPB complaints where appropriate
- Document every dispute, response and change
Your part
- Authorize the credit pulls
- Send ID, Social Security card and proof of address
- Forward any bureau mail you receive
Typical duration
Typically 1–6 months, depending on the complexity of the file — a range, not a guarantee.
What it unlocks
A stabilized profile — the clean baseline Phase 2 builds on.
Phase 2 · Score lift of 40–100+ pts (results vary)
Strengthen the Profile
A clean report isn’t a strong one. Phase 2 adds the positive history lenders look for and stands up the business entity that becomes the gateway to business capital.
What GYCG does
- Add authorized-user tradelines with positive payment history
- Set up rent reporting for renters
- Request credit-limit increases on accounts in good standing
- Open secured or credit-builder accounts for thin files
- Form your LLC and establish the business bank account
- Enroll you in business credit monitoring
Your part
- Keep personal utilization under 30%
- Open and use the business bank account (2+ months of history needed for Phase 4)
- Avoid new personal credit applications unless we plan them
Typical duration
Typically 2–4 months — a range, not a guarantee.
What it unlocks
A personal score in a fundable range and an established business entity with an EIN.
Phase 3 · Up to $250,000
Access Your First Capital
Non-doc funding means no revenue documentation is required. With your entity, EIN and business bank account in place, we run a strategic, same-window application process for 0% APR business credit cards — in the business’s name, protecting your personal utilization.
Requires: LLC, EIN and business bank account
What GYCG does
- Select target lenders (Chase, Elan, Truist, KeyBank, M&T and equivalents)
- Sequence applications inside one 30-day window to limit inquiry impact
- Prepare each application package
- Coach utilization: personal under 30%, business cards managed separately
Your part
- Keep entity documents, EIN and bank account current
- Use introductory 0% periods (often 12–21 months) deliberately
Typical duration
Typically 30–60 days of application activity — a range, not a guarantee.
What it unlocks
Initial business credit lines and the payment history that strengthens your business profile.
Phase 4 · Up to $300,000 on $1.5M revenue
Revenue-Based Funding
Once your business shows consistent deposits, lenders will advance capital against revenue — no tax returns required. Lenders typically advance 15–25% of average revenue; we target 20%.
Requires: 6+ months of business bank statements showing consistent revenue
What GYCG does
- Build the application package: 6 months of statements, entity docs, EIN, voided check
- Match you with community banks, credit unions and revenue-based lenders
- Stagger simultaneous applications to optimize approvals
Your part
- Run consistent deposits through the business account
- Keep at least 6 months of statements available
Typical duration
Typically 2–6 weeks once statements qualify — a range, not a guarantee.
What it unlocks
Revenue-based capital and a stronger lending relationship history.
Phase 5 · Up to $495,000 on $1.5M gross
Corporate Credit
With two years of returns, your business can qualify for corporate credit facilities sized at roughly 33% of documented gross annual revenue — backed by a business credit profile at Dun & Bradstreet, Experian Business and Equifax Business.
Requires: 2+ years of tax returns showing business income
What GYCG does
- Build your PAYDEX with vendor net-30 accounts that report to the business bureaus
- Assemble the package: 2 years of business and personal returns, P&L, balance sheet
- Target SBA-preferred lenders, CDFIs and regional banks
Your part
- File accurate business returns
- Pay vendor accounts early or on time
Typical duration
Typically 1–3 months — a range, not a guarantee.
What it unlocks
Established corporate credit facilities — and the documentation SBA lenders expect.
Phase 6 · Up to $1,000,000 on $250K net income
SBA Lending
SBA-guaranteed loans are typically underwritten at 3–4× documented net income. They require a 680+ personal score and usually two years in business — which is exactly why Phases 1 and 2 come first.
Requires: 680+ FICO, 2+ years in business, full financials
What GYCG does
- Prioritize SBA-preferred lenders with the highest approval volume in your market
- Choose the right program: 7(a) for general purposes, 504 for real estate and equipment
- Assemble returns, financial statements and the business plan
Your part
- Maintain a 680+ FICO
- Provide 2 years of business and personal returns and current financials
Typical duration
Typically 30–90 days from complete application to funding — a range, not a guarantee.
What it unlocks
Long-term, lower-cost capital at small-business scale.
The phases at a glance
| Phase | Focus | Requires | Potential |
|---|---|---|---|
| 1. Fix the Foundation | Remove errors, collections and inquiries | — | Clean baseline |
| 2. Strengthen the Profile | Authorized users, rent reporting, higher limits | — | Score lift of 40–100+ pts (results vary) |
| 3. Access Your First Capital | 0% APR business cards | LLC, EIN and business bank account | Up to $250,000 |
| 4. Revenue-Based Funding | Capital based on bank deposits | 6+ months of business bank statements showing consistent revenue | Up to $300,000 on $1.5M revenue |
| 5. Corporate Credit | Tax-return-based credit facilities | 2+ years of tax returns showing business income | Up to $495,000 on $1.5M gross |
| 6. SBA Lending | The highest capital tier for small business | 680+ FICO, 2+ years in business, full financials | Up to $1,000,000 on $250K net income |
All funding figures are potential outcomes based on the methodology structure. Individual results vary based on credit profile, income documentation and other factors. Results are not guaranteed.