Why cant you just by the chemicals to add to the water when you initially fill the tank? This is what I have done for years with our 10 gallon tank and have never lost any fish...I guess I dont see why cycling is needed.
I emptied the 10 gallon about a month ago now, cleaned all the algae out, bleached all of the decorations, cleaned the gravel, etc while the fish were in a bucket of the old water with an aerator. I filled the tank with new water and added the chlor out chemicals as recommended and waited about 30 mins before adding the fish....didnt have any problems and things are fine in the tank...algae is under control and I didnt get any bacterial or algae bloom.