Grants Towards Credit — SOP
GRANTS TOWARDS CREDIT
Standard Operating Procedures
Repeatable Process Manual: 13 Documented Procedures for Grant Management, Credit Optimization,
Bank Rotation, and Ongoing Maintenance
Bundle 5: Grant-to-Credit Engine
© 2026 Darrell E. Brown Jr. All rights reserved.
March 2026
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 1
, Grants Towards Credit — SOP
How to Use This Manual
This document contains 13 Standard Operating Procedures (SOPs) that cover every recurring
task in the Grants Towards Credit strategy. Unlike the Study Guide (which teaches concepts)
and the Implementation Plan (which provides a one-time setup sequence), this SOP manual is
the ongoing reference you return to every time you execute a specific task.
Each SOP follows a consistent format:
• Header Block --- SOP number, title, purpose, frequency, and prerequisites
• Step-by-Step Procedure --- Numbered instructions in the exact order of execution
• Common Mistakes --- Errors that frequently occur during this procedure and how to avoid them
• Completion Criteria --- How to verify the procedure was executed correctly
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 2
, Grants Towards Credit — SOP
SOP Directory
SOP \# Procedure Name Frequency
SOP-01 Grant Application Submission As needed (ongoing)
SOP-02 Documentation Grant Fund Deposit and Per grant award
SOP-03 Two-Account Banking Management Weekly
SOP-04 $10,000 Bank Rotation Cycle Every 90 days
SOP-05 Business Credit Card Application Per rotation cycle
SOP-06 Fulfillment Signup Bonus Tracking and Weekly during bonus periods
0% APR Monitoring and Balance
SOP-07 Transfer Monthly review; action
every 6--12 months
SOP-08 Close Method) Utilization Management (Statement Monthly per card
SOP-09 Credit Limit Increase Request Every 6 months per card
SOP-10 quarterly review Cash-Back Card Routing At each new card issuance;
SOP-11 Monthly Bookkeeping Reconciliation Monthly
SOP-12 Grantor Progress Reporting Per grant schedule
SOP-13 Quarterly Portfolio Audit Quarterly
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 3
GRANTS TOWARDS CREDIT
Standard Operating Procedures
Repeatable Process Manual: 13 Documented Procedures for Grant Management, Credit Optimization,
Bank Rotation, and Ongoing Maintenance
Bundle 5: Grant-to-Credit Engine
© 2026 Darrell E. Brown Jr. All rights reserved.
March 2026
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 1
, Grants Towards Credit — SOP
How to Use This Manual
This document contains 13 Standard Operating Procedures (SOPs) that cover every recurring
task in the Grants Towards Credit strategy. Unlike the Study Guide (which teaches concepts)
and the Implementation Plan (which provides a one-time setup sequence), this SOP manual is
the ongoing reference you return to every time you execute a specific task.
Each SOP follows a consistent format:
• Header Block --- SOP number, title, purpose, frequency, and prerequisites
• Step-by-Step Procedure --- Numbered instructions in the exact order of execution
• Common Mistakes --- Errors that frequently occur during this procedure and how to avoid them
• Completion Criteria --- How to verify the procedure was executed correctly
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 2
, Grants Towards Credit — SOP
SOP Directory
SOP \# Procedure Name Frequency
SOP-01 Grant Application Submission As needed (ongoing)
SOP-02 Documentation Grant Fund Deposit and Per grant award
SOP-03 Two-Account Banking Management Weekly
SOP-04 $10,000 Bank Rotation Cycle Every 90 days
SOP-05 Business Credit Card Application Per rotation cycle
SOP-06 Fulfillment Signup Bonus Tracking and Weekly during bonus periods
0% APR Monitoring and Balance
SOP-07 Transfer Monthly review; action
every 6--12 months
SOP-08 Close Method) Utilization Management (Statement Monthly per card
SOP-09 Credit Limit Increase Request Every 6 months per card
SOP-10 quarterly review Cash-Back Card Routing At each new card issuance;
SOP-11 Monthly Bookkeeping Reconciliation Monthly
SOP-12 Grantor Progress Reporting Per grant schedule
SOP-13 Quarterly Portfolio Audit Quarterly
© 2026 Darrell E. Brown Jr. All rights reserved. | Page 3
