Texas
About
Charisma Shepherd is a financial coach, credit expert, and business funding strategist who helps everyday people and entrepreneurs access the capital, credit strength, and income they need to grow, stabilize, and elevate their lives. As the founder of CCG Consulting, she specializes in credit repair, alternative lending solutions, and strategic financial programs that open doors traditional banks often overlook.
With deep experience in credit optimization, Airbnb business coaching, and funding approvals, Charisma guides her clients through proper financial positioning, step-by-step funding strategies, and business-building systems that create real long-term success. Her mission is to empower her clients to fix their credit, secure meaningful capital, and build new streams of income—so they can create financial freedom for themselves and their families.
WHAT WE OFFER
AIRBNB COACHING PROGRAM
(Build a profitable short-term rental business, even without owning property)
Offer Includes:
Launch your first Airbnb in 30–90 days
Learn rental arbitrage step-by-step
Scripts to secure Airbnb-friendly landlords
How to find high-profit units in any city
Full furnishing guide + shopping lists
Automation system for cleaning, messaging & pricing
How to scale to 2–10+ units
Guidance with contracts, lease agreements & compliance
Profit projections & occupancy optimization
Hands-on support through the entire launch process
SBA LOANS
(Government-backed, best rates, long terms)
Offer Includes:
Up to $5,000,000
10–25 year terms
Prime rate + 1–4%
Refinance existing business debt
Can show losses on tax returns
Qualifications:
2 years in business
650+ FICO
$120,000+ revenue
Business Line of Credit — NON-BANK (ALT)
(True revolving line)
Offer Includes:
Up to $750,000
6–24 month amortization
Weekly or monthly payments
Qualifications:
6 months in business
600 FICO
$300K annual revenue
4 months bank statements
Business Term Loan
(Bigger amounts, long-term capital)
Offer Includes:
Up to $10,000,000
1–3 year terms
Monthly payments
Qualifications:
2 years in business
650+ FICO
$1M annual revenue
4 months bank statements
Working Capital Loan
(Fast money — 24 to 48 hours)
Offer Includes:
Up to $10,000,000
6–36 month terms
Same-day approval possible
No minimum FICO
Qualifications:
6 months in business
$100K annual revenue
4 months bank statements
Equipment Financing
(Any industry, machinery, vehicles, tools, etc.)
Offer Includes:
No cap on funding amount
Fixed rates — prime starting rates
3–7 year terms
Monthly payments
Equipment is fully tax deductible
Qualifications:
1 year in business
600+ FICO
$120K annual revenue
Equipment invoice
4 months bank statements
BANK LINE OF CREDIT (LEX LOC PROGRAM)
(Exclusive — for higher credit clients)
Lex Loc Cheat Sheet
Offer Includes:
True revolving bank line
Prime + 2–4%
Monthly payment = 1–3% of balance
Can draw cash instantly
Qualifications:
680+ FICO
Under 35% credit utilization
2 years in business
Tri-merge credit report
Business Credit Card Program (0% Interest)
(0% APR for 6–24 months)
Offer Includes:
0% interest for 6–24 months
Builds business credit
Doesn’t affect personal utilization
Can be liquidated into cash at 0%
Monthly payments only
Qualifications:
680+ FICO
Under 35% utilization
No minimum revenue
No time in business required
Tri-merge credit report
Startup-Friendly Bank Revolving Lines
(Pre-revenue accepted)
Offer Includes:
Access to national + regional banks + credit unions
Business credit cards + business LOC
Startups accepted (pre-revenue okay)
Co-signer friendly
Qualifications:
680+ FICO
Under 35% utilization
Tri-merge credit report
High-Risk & Industry-Agile Funding
(Accepted across programs)
No industry restrictions
Defaults on data merch (LexisNexis etc.) don’t affect approval
Over-utilized credit lines can still be pre-approved
Fast-Turnaround Programs
2–4 week turnaround for bank LOC
24–48 hour turnaround for working capital
Same-day decisions available in multiple categories