I'm going to st my tank up thai weekend and then cycle it for about a week and test the water before I get any fish.
It will take longer than a week to cycle this tank. However, as plants are mandatory, getting the floating plants growing will solve the cycling. There are articles on cycle in the "Cycle your tank" section of TFF.
Do the shoaling fish have to be the same species or can you mix them up?
Shoaling or schooling species must have a group of their own species. Depending upon the species, and given the tank size here, some may be fine in groups of 15, others 20-25, or whatever. Provided they are compatible, you can have different species but each species must be in a suitably-sized group to avoid stress.
Cardinal tetras should b fine with Pearls.