About
Established in 2020, in Orlando
A consulting and education firm established in 2020 in Orlando, Florida. We work in Spanish and English.
Why Tier exists
We built the company we needed and could not find
Before Tier existed, its founders were on the other side of the counter: filing paperwork, waiting, and getting denials that arrived without a reason anyone could act on. “You don’t qualify” is not an explanation — it’s a door locked from the inside.
What changed things was not raising a score. It was understanding how a financial profile gets read: what an institution looks at, which line makes it hesitate, and why two people with the same number get different answers.
The firm was established in 2020 in Orlando, Florida, to build what we ourselves had needed: education, structure, communication and real follow-through. In English and Spanish, because half the money conversations here happen in the language of the house.
Behind every credit profile is a person, a family, a business, and a goal.
Real people. Real support.
Who is behind your process
There is no call center. You know who is handling your case, what to expect at each stage, and how updates reach you.
Roles pending confirmation from the firm
Yefrey Guzmán
Founder & Chief Executive Officer
Runs the firm and personally reviews the cases that come in.
Carolay Payamps
Operations & Client Experience
Walks each client through the process and keeps the communication current.
Emmanuel Valdez
Credit Analysis
Reads profiles line by line and puts together the working plan for each case.
Photograph pending
Amy
Virtual assistant
The team’s virtual assistant: helps with communication, follow-up and guidance through the process, so no question goes unanswered.
Tier Business Consulting was founded in 2020, after its founders spent years on the receiving end of denials nobody explained. What changed things was not a score. It was understanding how a financial profile is read.
Today the firm does one thing: help individuals and business owners understand, organize and strengthen their credit and finances, so they are better prepared when their next goal arrives. Credit, structure, banking and documentation are treated as one system.
We work in English and Spanish, and we would rather tell you plainly where you stand today than sell you an application you are not ready for.
Operating principles
- Integrity
- If you are not ready yet, we say so before you find out by spending an application.
- Transparency
- Written plans, named steps, dates you can check. No proprietary secrets.
- Client success
- The goal isn’t one win. It’s a foundation that carries the next one.
You already know what you want.
Now get financially prepared to reach it. Start by telling us where you are today and what you want to reach.
Get started