Four professionals talking around a table in a consulting office.

Beyond the score

Strengthen your credit. Create more financial opportunities.

At Tier Business Consulting we help you understand and strengthen your credit, organize your finances and prepare for your next financial goal — whether that is a vehicle, a home, personal funding or growing your business.

Get started See our process

Financial organization
Credit improvement
Funding readiness

The Tier Approach

From financial clarity to real readiness.

Everyone starts from a different place. Our approach is built to help you understand where you are today, strengthen your financial foundation and be better prepared for the opportunities you are working toward.

01 — Understand
We start by understanding your current financial situation, reviewing your credit profile and identifying the goals you want to reach.
02 — Organize
We help you identify what needs attention, organize your financial priorities and lay out a clearer path based on your goals.
03 — Strengthen
Through financial education, personal guidance and credit-focused strategies, we help you work toward stronger credit and a healthier financial profile.
04 — Prepare
With a stronger foundation, we help you understand how to position yourself for your next financial goal — personal funding, business funding, a vehicle, a home or another opportunity.

Understand where you are. Strengthen what matters. Prepare for what comes next.

Your goals. Your next step.

What do you want to achieve?

A stronger financial foundation can open more possibilities. We help you prepare, with clarity and intention, for the goals that matter to you.

01
Personal funding
Strengthen your credit and financial profile before you go looking for personal funding.
02
Business funding
Build a stronger foundation and understand the factors an institution may weigh when it evaluates your business.
03
Homeownership
Work toward a stronger credit and financial position while you prepare for the path to a home.
04
Auto financing
Learn and strengthen the factors that can shape your position when you look for vehicle financing.
05
Business credit
Learn how to build and manage a stronger credit foundation in your business’s own name.
06
Financial growth
Build the organization and financial habits that support your goals beyond credit.

Credit and funding approvals are subject to each financial institution’s own requirements. Tier Business Consulting does not guarantee approvals, rates, specific score increases or any particular financial outcome.

How we work with you

A working meeting in a bright room: someone explaining with their hands while the others listen.

01 — Credit & financial foundation

Credit improvement & financial organization

We help you understand your credit profile, identify the areas that may need attention, organize your financial priorities and work toward a stronger foundation.

02 — Personal financial readiness

Personal funding readiness

Getting ready for funding starts before you apply. We help you understand the credit and financial factors that can shape your readiness for future opportunities.

03 — Business financial foundation

Business credit & financial structure

We help business owners understand and organize the important pieces of their commercial financial profile while they build a stronger foundation for company credit.

04 — Readiness for your goals

Prepare for what comes next

Whether your goal is a vehicle, a home, personal funding or growing your business, we help you understand where you stand and what may need attention before your next financial opportunity.

See the services in detail

The Tier Experience

Our clients say it best.

More than a score. When these clients came to Tier, the goal was not simply moving a number — it was building structure and arriving prepared for what came next.

Homeownership

“In his own words”

A Tier client tells his own story on camera: what he found when he looked at his situation, the order he worked through it, and how he got to the goal he had set.

Vehicle
The goal was never the number. It was walking into the dealership prepared and understanding what he was signing.
Vehicle
Months of organizing before the signature. By delivery day, none of it was a surprise.
Vehicle
The profile first, the application after. That order is very nearly the whole job.
Client message
What people write us about is rarely the number. It is finally understanding their own file.

View more client experiences →

Stories shared with each client’s permission. Individual results vary: nothing shown here is a promise of approval, amount or score increase.

Why Tier exists

We built the company we needed and could not find

Two women talking across a round table, beside a window with the city behind them.

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.

Why Tier?

More than a service.

Personal guidance. Clear communication. Steady follow-through. A team that stays with you through the whole process.

Personal
Bilingual
Transparent
Close at hand

Frequently asked

Questions? Start here.

Several people around a work table with open notebooks, coffee cups and a laptop.

What exactly does Tier do to help me with my credit?

We start by helping you understand what is affecting your credit profile. From there we identify the areas that may need attention and provide education, guidance and credit-focused strategies to help you work toward a stronger financial position.

Do you remove negative accounts from my credit?

Where appropriate, we can assist you with disputing information you believe is inaccurate, incomplete or unverifiable. Results vary from profile to profile, and we cannot guarantee specific deletions or particular score increases.

How long does it take to see a change in my credit?

Every credit profile is different. Some changes can happen sooner than others depending on your situation, the information being worked on, and how the credit bureaus or furnishers respond. We do not guarantee any specific timeline or outcome.

Can Tier help me get ready for funding after working on my credit?

Our goal is to help you be better prepared financially for opportunities such as personal or business funding. We can guide you on financial readiness, but approvals, amounts, rates and terms are determined by each financial institution.

What does Tier Business Consulting charge?

Every credit profile is different, so pricing is set after we review your report and understand which areas need attention. That way we can recommend the right service for your situation instead of quoting a general price that may not match what you actually need.

Do you work in Spanish?

Yes — in Spanish and English, start to finish: the first conversation, the review, the plan and the follow-up. The whole site is in both languages for the same reason.

Do I have to be in Orlando?

The firm operates out of Orlando and works closely across Orange, Osceola, Seminole and Lake counties. The process works the same remotely — what matters is your situation, not the chair you are sitting in.