Credit independence
GestFin does not lend money and does not sell financial products. When we evaluate credit options, including banks and fintechs, our guidance does not depend on commercial agreements.
GestFin Consulting · United States
Safer financial decisions in the U.S.
GestFin Consulting helps business owners and investors make better-informed financial decisions in the United States, combining financial planning, access to capital, and a strategic approach to growth.
- 01For BusinessFinancial consulting and funding preparation for businesses
- 02For IndividualsCredit, financing and investing education, in Portuguese
GestFin is not a financial institution or a lender, does not extend credit and does not guarantee approval. Educational content is not individual financial advice.
How we work
What every project rests on
Method
Every project starts with a defined scope, deliverables and timeline. You know what will be analyzed, what will be delivered and how long it takes.
The U.S. system
Credit scores, financial statements and credit lines work a particular way in the United States. We translate those rules for the people who have to navigate them.
For Business
Your bank asked for three years of financial statements, and you have spreadsheets?
Funding Consulting organizes what the lender will review. Financial Consulting organizes what happens inside the company before that.
Financial Consulting
The financial management behind the numbers.
- Cash flow planning
- Budgeting and forecasting
- Financial projections, quantitative and qualitative
- Profit and profitability analysis by product or service
- Selection and implementation of financial management systems
Funding Consulting
The preparation to present the company to a lender.
- Assessment of the type and amount of credit needed
- Business credit profile preparation
- Review of financial statements and cash flow projections
- Organization of tax returns, loan history and business plan
- Evaluation of alternatives, including banks and fintechs
- 01Diagnostic
We understand the company's financial situation and goal.
- 02Plan
We define scope, deliverables and timeline.
- 03Implementation
We carry out the plan together with your team.
- 04Follow-up
We follow the execution and adjust the plan.
For Individuals (in Portuguese)
Credit is a system, and you can learn how it works.
A rejected rental application, a declined card, a mortgage turned down even with the down payment saved. In the United States your Brazilian history does not count, but the score follows well-known factors, and understanding them is the first step to prepare before financing. This area of the site is in Portuguese.
- CreditUnderstand how a first credit history is built.
- FinancingPrepare before applying, not after being denied.
- InvestingEducation on how it works in the U.S., with no asset recommendations.
Educational content. It does not replace individual tax, legal or credit advice, and it is not investment advisory or credit repair. There is no guarantee of approval for a card, credit or financing. Rules and criteria vary by institution.
The five score factors
approximate weights, FICO model| Factor | What it measures | Weight |
|---|---|---|
| Payment history | Whether bills were paid on time | 35% |
| Credit utilization | Amounts owed and how much of the limit is in use | 30% |
| Length of history | Age of open accounts | 15% |
| Credit mix | Types of credit in use | 10% |
| New credit | Accounts opened and recent applications | 10% |
Source: myFICO, accessed October 8, 2026. Weights vary across consumer profiles.
Frequently asked questions
What people ask before getting started
Can GestFin get credit for my company?
No. GestFin prepares the company's financial profile and documentation for the application. The decision to extend credit always belongs to the lender.
Do you lend money or sell financial products?
No. GestFin is not a financial institution or a lender. The work is consulting.
How much does an engagement cost?
The fee is set in a proposal after the diagnostic, with scope, deliverables and timeline.
Is the engagement in person or remote?
It can be remote or in person, depending on the project.
Does the course guarantee approval of a card, credit or financing?
No. The course is educational and does not replace individual tax, legal or credit advice. Rules and criteria vary by institution.
Does GestFin do credit repair?
No. Our work with individuals is financial education and preparation.
Do I need an SSN or an ITIN to take the course?
The course explains what each document is, what it is not, and how to get started even without them. The possible paths depend on your situation.
Do you recommend where to invest?
No. The content explains how investing works in the United States, without recommending assets or products.
Is the content in Portuguese?
Yes. The individuals area is entirely in Portuguese.