Guided Wealth · Skool Community
$100K+ in Funding.
For $27.
Learn from Someone Doing It Right Now.
James has delivered $4M+ in funding to 2,000+ clients. He is still actively doing it. Guided Wealth is how you get access to his knowledge, his network, and his standards — starting at $27.
You're in the Right Room If —
James designed this community around three specific situations. If you're in any of them, you belong here.
You've been denied
and don't know why.
Your score looks fine. But you keep getting declined. The issue is your profile — not your score. James teaches you what lenders actually see in the first 5 seconds, and how to position everything before you apply again.
You're ready to apply
but don't know the order.
Your credit is in good shape. Your business may or may not be set up. Either way — the sequencing of how you apply determines what you qualify for. This is where you learn to do it right the first time.
You've been funded
and want to go bigger.
You already got a round. Now you're waiting on your next window. James teaches you how to strategically build toward your second and third round — so each one is larger than the last.
The Methods That
Actually Get People Funded.
James doesn't teach theory. He breaks down the exact methods he uses with real clients right now — the funding structures, the sequencing, the profile positioning that most people never learn because no one teaches it.
0% Interest
Funding
Business credit cards and lines, stacked in the right sequence, can deliver six figures of working capital at zero percent interest for 12–18 months. Not a trick. A method. The same approach sophisticated operators use to fund operations without paying a cent of interest. James walks you through the sequence, the products, and the order — inside the community.
No-Doc
Funding
Personal-guarantee funding with no bank statements, no tax returns, no revenue verification. Qualify on creditworthiness alone. Perfect for startups, new entities, and operators who need capital without a financial microscope pointed at their business. James shows you how to position your profile so the approval speaks for itself.
The Sequencing
That Changes Everything
Most people apply at the wrong time, to the wrong lenders, in the wrong order — and lock themselves out for months. James builds the funding plan before a single application goes out. The order you apply determines what you qualify for. Most people never learn this — and it costs them months of closed doors and hard inquiries.
Turn the Knowledge
Into Income
Once you understand the funding process, you can offer it as a service. The Get Rich tier teaches you how to build a funding consultancy: onboarding clients, pricing your services, scaling a referral network. James went from car rentals to seven figures. He shows you the exact path.
Not Another
Finance Group.
Guided Wealth is a structured community built around one goal: getting you fundable and funded. Real curriculum. Real calls. Real access to James — and to Shatoya Rivers, our Board-Certified Credit Consultant. Whether you are starting from scratch or ready to help others get there too, there is a path built for where you are right now.
Access to James — Directly
James isn't a course. He's a practitioner who is actively getting people funded right now. The $97 tier gets you on his live Structure & Leverage calls every week. The $197 tier gets you into the Inner Circle with direct access and mentorship starting at $5,000.
Credit Optimization with Shatoya Rivers
Every tier includes access to calls with our Board-Certified Credit Consultant & CCA. Shatoya has removed $1.4M+ in debt for 500+ clients using a 100% legal process. If your profile needs work, you get direct guidance from the expert — not generic advice.
Ads, Marketing & Business Building
Funding without a business to pour it into is wasted capital. Members get access to the Ads & Marketing course and call — teaching you how to build the systems that make your funded business grow. Capital plus strategy equals scale.
A Room of People Actually Moving
This is not a content dump. Live calls, real breakdowns, member wins, and a standard that holds everyone accountable. The community is built around people doing the work — not waiting on it.
You Don't Just Get
Content. You Get Calls.
Every tier includes live calls. Not replays from two years ago. Active, ongoing access to the people who know this process.
Credit Profile
Optimization Call
Shatoya walks members through credit dispute strategy, utilization management, and profile positioning for funding readiness. 500+ clients served. $1.4M+ in debt removed. 100% legal process. This is the call that tells you exactly what to fix — and in what order.
Monthly · All TiersStructure &
Leverage Call
James breaks down lender sequencing, 0% card stacking, no-doc positioning, and real funding strategies — pulled directly from active client deals. This is the call where the methods get taught. Q&A included. Replays in the archive. This is why people join at $97.
Weekly · Get Funded & Get RichInner Circle
Call
The Inner Circle is for members building funding as a business. James works with you directly on client deals, pricing, positioning, and scaling your consultancy. 1-on-1 mentorship starts at $5,000 — the Inner Circle call is where that relationship begins. This is as close to James as it gets before full mentorship.
Monthly · Get Rich OnlyAds & Marketing
Course + Call
Capital without a business to pour it into is wasted. The Ads & Marketing track teaches members how to build the systems, run campaigns, and create the revenue that makes funded businesses grow. Included for all members because funding without marketing is only half the work.
Ongoing · All Tiers9 Modules.
One Direction.
9 modules including bonuses. Every module builds on the last. You don't jump ahead. You graduate into it.
Start Here
Business Credit FoundationsBuild the fundable entity from scratch: EIN, business address, DUNS number, Paydex score, and the bank account setup lenders actually want to see.
Fix It
Optimizing Personal CreditDIY credit repair: dispute strategies, utilization management, authorized users, rapid rescore, and the exact items that get you denied before you even apply.
First Money
Getting Your First ApprovalsSecured cards, unsecured credit, installment loans, personal and business lines of credit. The products that work when you're just starting with no paper trail.
Like a Lender
Qualifying for Real FundingLearn how banks evaluate applications in 5 seconds. Lender stacking, revolving credit qualification, the double-dip strategy, and the lender matrix that tells you who to approach first.
Stack It
0% Cards & Leverage Strategies0% APR business cards, balance transfers, and card stacking — the methods that give you six figures of leverage without touching your personal credit. James's personal card list included.
Other Ways
Alternative FundingRevenue-based financing, merchant cash advances, grants, and an intro to crowdfunding and angel investors. Real paths for operators with revenue who want to go bigger.
Go Operator
Funding as a BusinessThe mentorship track. Learn how to serve clients, price your services, onboard deals, build referral partnerships, and scale a funding consultancy. Get Rich tier only.
Grow It
Ads & MarketingCapital without a business to pour it into is wasted. This module teaches you how to attract clients, run campaigns, and build the revenue systems that make a funded business grow. Included for all tiers.
Car Money
Bonus ModuleFor members in car rental or fleet operations. How to use business credit and MCAs to build a fleet, structure joint ventures, and leverage funding specifically for car operations.
Get Ready.
Get Funded.
Get Rich.
Three paths. One destination. Pick where you are and start from there.
$27
Per monthGet Ready
Learn the foundations. Build your profile. Get the structure lenders need to see before you spend a dollar applying anywhere.
$97
Per monthGet Funded
The full curriculum plus James's live weekly Structure & Leverage call. Every module, every strategy, every lender resource. A room that holds you accountable.
$197
Per monthGet Rich
For members building funding as a business. The Inner Circle gives you direct access to James — and to mentorship that would cost $5,000+ elsewhere.
Cancel anytime · Upgrade anytime
Results That Speak
for Themselves.
Where Builders
Actually Meet.
This is what it looks like when serious people get in a room together. Watch the highlights from our last event.
The Numbers
Don't Lie.
"I started August 1st. By August 5th, we secured $70,000 worth of business credit at zero percent interest. I could not have done it without James and his team."
"James took it to a whole other level. I came up about $130,000 in business funding just like that. I knew a little something about credit, but not like this."
"He worked his magic and showed the possibilities. I walked out with $180,000 in credit. I started with $30–$40k. I couldn't believe it."
"Great White over delivered on everything. He set the standard. He gave us so much knowledge — our responsibility is to repay him by getting results."
"Thank you for elevating our business tenfold. The mindset in this creative entrepreneur space — it's over now. Amazing experience. You over delivered."
"Really came through for me when I needed funding the most. When it mattered, James showed up and delivered."
From 5AM Grinds
to Seven Figures.
No Safety Net.
I didn't grow up with money, guidance, or a safety net. I quit my job after being told to work with a doctor's note or get fired. I took my last check, bet on myself, and never looked back.
I started in car rentals and built a seven-figure business. Along the way I learned the truth: without financial literacy and access to capital, businesses don't scale. So I mastered credit, business structure, and funding — especially the products most people don't even know exist.
I've misused credit. I've lacked structure. Those mistakes shaped my standard. Guided Wealth exists so you don't have to figure it out the hard way like I did. I'm still in it. Still getting people funded. This is what you get access to.
Get Ready.
Get Funded.
Get Rich.
Start at $27. Upgrade when you're ready. The system works — but only if you're inside it.
Weekly live calls · Cancel anytime · Real results