Miguel de Bourg
Rich By Credit client
In just 4 months, he got $200,000 in capital at 0% interest. He used it to buy 4 properties in Puerto Rico and Missouri.
★★★★★
RICH BY CREDIT 3.0
How Latino business owners get business credit at 0% intro APR to grow without touching their savings
We help you get your profile, your structure and your banks in order so you're a strong candidate for business credit in the US. We give you the plan and the support; the bank decides on approvals.
Ideal if: you have a 680+ personal credit score, live in the US or Puerto Rico, and already know what you'll use the capital for.
No-obligation call. We're not a bank and we don't guarantee approvals.
Over $10M in 0% intro APR credit approved for over 1,000 clients who followed our guidance
$10M+ in 0% intro APR business credit
1,000+ clients in the United States and Puerto Rico
Past results. They don't guarantee future results and depend on each client and each bank.
01 Why
Why Rich By Credit
- —
Protect your cash flow
Grow with the bank's credit, not your savings.
- —
Leave the 20%+ behind
Get off personal cards and expensive loans.
- —
Save months
A clear plan, no trial and error.
- —
Total clarity
You know what to do, when, and in what order.
- —
In Spanish
From one entrepreneur to another.
02 Before you apply
Is it for you?
It's for you if:
- You're a Latino business owner or Hispanic entrepreneur with a valid Social Security number (SSN).
- You live in any US state or in a territory like Puerto Rico.
- Your personal credit score is 680 or higher, or very close and you want to improve it.
- You have a real business or you're setting one up.
- You know what you'll use the capital for and you have a way to pay it back.
- You're willing to do your part: send documents, show up to calls and follow the portal.
It's not for you if:
- You're looking for fast money.
- You don't have a business and don't plan to have one.
- You don't plan to pay back what you use.
- Your credit is badly damaged and you don't want to change your habits.
- You want someone to do everything for you.
- Right now you can't invest in education and consulting.
03 The process
How it works
- 01
Analysis call and plan
Us: we review your credit and your business, and build you an action plan.
You: you bring your credit report and tell us what you want the capital for.
- 02
Profile optimization
Us: we show you what to adjust in your personal profile and how to do it.
You: you make the changes by following the steps in the portal.
- 03
Business structure and accounts
Us: we guide you to the right structure and tell you which banks fit your profile.
You: you prepare your documents and open your accounts. If needed, you travel to open them in person.
- 04
Application plan and support
Us: we set the order and timing of each application and support you at every key step.
You: you apply following the sequence, use the credit responsibly and pay on time.
04 The program
What's included Rich By Credit 3.0
It's an education and consulting program. You do the work, and we give you the strategy, the system and the guidance.
Step-by-step portal
Your roadmap, your tasks and your progress in one place.
Ready-to-use letters, templates and checklists.
Personalized action plan
Built for your profile, your business and your goal.
1:1 calls at key moments
4 calls with your consultant at each important stage of the process.
Group calls and community
3–4 group calls every week to answer your questions.
Support on Slack, with other Latino entrepreneurs on the same path.
Bank relationships
We teach you how to build solid relationships with banks and, when possible, connect you with bank managers who fit your profile.
Rich By Credit Community
A community of Latino entrepreneurs
Over 1,000 business owners in the United States and Puerto Rico learning, asking questions and growing together.
05 Testimonials
Real stories
Dra. Joanne Liz Rodríguez Ortiz
Founder of Ekilibra · Puerto Rico
She was approved for $95,000 in funding to launch Ekilibra. Even though she was afraid to take the step at first, she got past it and today runs a profitable business in Puerto Rico.
★★★★★
Elvin Ayala
Level of Media · Procromol
He was approved for $85,000 at 0% interest to fund his businesses. He now runs three companies: Level of Media (advertising), Procromol (a uniform store) and a car wash.
★★★★★
Ingrid
Rich By Credit client
Ingrid was approved for $122,000. She has an online store and is using the capital to open a physical location and grow her business.
★★★★★
Binny PR
Artist · Puerto Rico
Binny, an artist from Puerto Rico, got $100,000 to fund his career and his audiovisual company.
★★★★★
Onix Rivera
Rich By Credit client
Onix was approved for $100,000 to fund his audiovisual company.
★★★★★
Leslie Rivera
Rich By Credit client
Leslie, who owns a beauty business in Puerto Rico, got $137,000 at 0% interest to invest in real estate.
★★★★★
Yhaidy Rodríguez
Rich By Credit client
Thanks to the program, they got into real estate with Rich By Credit's information and support. Today they're very happy with the results and say: “We don't know how far we'll go, but we're going to make it.”
★★★★★
Idamarys & Dennis
Message in our community
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Yadira Santos
Message in our community
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Yaritza S.
Message in our community
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Miguel De Bourg
Message in our community
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Fernando Espinosa
Message in our community
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Fernando Espinosa
Message in our community
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Miller
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Michelle A.
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Jose Gonzalez
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Miller
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Jorge L. Carpio
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Walasko
Message in our community
Screenshot shared in Rich By Credit's private client community. Tap the image to see it in full.
Miguel De Bourg
Message in our community
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Jomaris Ruiz
Message in our community
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If you see yourself in these stories and meet the requirements, the first step is your Business Credit Analysis.
Apply for your Business Credit Analysis →Individual results. They don't guarantee future results. Amounts and terms depend on each client's credit profile and each bank's policies.
06 Transparency
What you should know before you apply
- We're not a bank or a lender. We don't lend money or approve credit.
- We don't do credit repair.
- We don't guarantee approvals, amounts or rates. Each bank decides that.
- The 0% is an intro rate. When that period ends, the bank's regular rate applies.
- We don't give legal or tax advice. For that, talk to your attorney or accountant.
- Your result depends on three things: your credit history, each bank's policies, and doing your part of the plan.
Who it's NOT for
- It's not for people with badly damaged personal credit.
- It's not for anyone looking for “free money” or who doesn't plan to pay on time.
- It's not for anyone who isn't clear on how to use the capital in a real business.
07 FAQ
Common questions
Does the call cost anything?
No. The Free Capital Analysis doesn't cost you anything.
What happens on the call?
We review your credit profile, your business and your goals to see if you're a good candidate. If we see we can help you, we work with you.
What if I don't qualify?
We tell you straight on the call, and explain what you'd need to improve.
What do I need?
A valid SSN, a 680+ personal credit score, a clear use for the capital and the ability to pay it back. We work with people in the US and Puerto Rico.
Does it affect my credit?
The analysis call doesn't affect your credit. Each bank application can create a hard inquiry, so we plan how many you make and in what order.
Do you guarantee approvals?
No. The bank decides on approvals.
Can I apply if my business is new?
Yes, if you have an SSN, good personal credit and a real plan to run your business. On the call we'll see if it's a good time for you.
What happens when the 0% intro period ends?
The bank's regular rate applies. From the start, we help you plan how to pay off or reorganize the balance before it ends.
Grow with a plan, not with your savings
Analysis, profile, structure and applications with a strategy. All in Spanish and with support, whether you're in the United States or Puerto Rico.
Apply for your Business Credit Analysis →