Financial Education and access to Capital Platform

EquiPath is a financial education and credit readiness platform designed to improve access to capital by preparing individuals before they apply for financial products. The platform focuses on underserved communities in the United States, where lack of financial literacy and credit readiness often limits access to funding despite strong economic potential.

About Us

With a focus on individuals underserved by existing financial systems.

Key Platform Features

Credit Assessment

Evaluates users’ financial profile and identifies gaps affecting loan approval

Structured Education

Provides step-by-step guidance on credit, loans, homeownership, and financial planning

Gamified System

Engages users through interactive tools and activities that reinforce financial concepts

Loan Preparation

Application Guidance- Prepares users to meet underwriting standards before applying for financing

Readiness Monitoring

Progress Tracking & Readiness Monitoring

Accessible Learning

Delivers clear, practical financial education designed for individuals with limited prior financial knowledge

THE PLATFORM

How does it work?With Expert Care

EquiPath will operate as a digital platform that guides users through a structured process to improve their financial readiness.

User onboarding and assessment: Users complete an initial evaluation to determine their financial profile, credit condition, and goals

Personalized financial roadmap: Users receive structured guidance tailored to their situation

Educational modules: Interactive content covering credit, loans, homeownership, and financial decision-making

Progress tracking: Users monitor improvements in their financial readiness over time

Loan readiness preparation: Step-by-step guidance aligned with underwriting standards

The platform will leverage technology to deliver scalable, consistent, and accessible financial education across a broad user base.

Interactive Learning & Gamified Experience

Credit Score Simulator

Users make everyday financial decisions (paying bills, using credit, taking loans) and instantly see how those actions

impact their credit score.

Loan Approval Challenge

Users go through a simulated loan application where they must adjust their financial profile to meet real lender

approval criteria.

Financial Growth

Users progress through different financial levels by completing tasks, improving habits, and reaching key milestones

like credit readiness.

Path to Homeownership

Users follow a guided journey where they complete steps required to become mortgage-ready, from improving credit

to understanding loan requirements.

Financial Decisions

Users are presented with real-life financial scenarios and must choose the best option, learning through immediate

feedback and outcomes.

MEET THE FOUNDER & CEO

Juan Camilo Pelaez

Financial Advisor | Credit & Lending Specialist

Financial professional with 11 years of experience in corporate banking and financial services

Managed and supported over $200M in financial portfolios, including SMEs and corporate clients

Strong background in credit analysis, underwriting processes, and financial advisory

Experience working directly with underserved individuals and small business owners in the U.S.

Provided direct financial education and personalized guidance to improve credit readiness and

access to capital

His combined experience in banking, financial advisory, and financial education uniquely positions him to

develop and scale EquiPath.

$200 M+

Managed Portfolios

11 Years

Corporate Banking & Finance experience

$1M

5 year revenue projection

Cost Effective Solutions For Expert Accounting Services.

Full Price Transparency, Ensuring You're Always Informed About Your Expenses.

Starter PLAN

FREE

Access to introductory financial education content, including basic concepts of credit, budgeting, and loans

Limited financial assessment overview (high-level, non-personalized insights)

General financial tips and recommendations

Restricted access to platform tools and features

Preview of advanced tools and services available in paid plans

No contracts - cancel anytime

FOUNDATION PLAN

$19/m

Full access to financial education modules: credit fundamentals (scores, utilization, history) loan types & application process , homeownership basics, small business financing

General credit improvement guidelines (non-personalized)

Loan readiness education, including: required documentation and underwriting expectations

Access to interactive learning tools

Basic progress tracking features

No contracts - cancel anytime

Guided PLAN

$39/m

Personalized financial readiness roadmap based on user profile and goals

Tailored credit improvement strategies

Step-by-step loan readiness preparation aligned with underwriting standards

Enhanced progress tracking and milestone monitoring

Recommendations aligned with lending expectations

Priority access to new platform features and tools

Access to group-based financial education sessions or workshops

No contracts - cancel anytime

Real Client Impact

Credit Recovery & Loan Readiness:

An individual with a credit score below 550 and multiple accounts in collections received personalized financial guidance and structured credit education. Through structured action steps, including debt management and credit utilization strategies, the individual improved their credit score by over 150 points and became eligible to apply for financial products.

Small Business Loan Preparation:

A small business owner with limited financial documentation and no prior access to traditional credit was guided through financial organization and loan preparation. As a result, the individual became loan-ready and successfully positioned to pursue small business financing opportunities.

Pathway to Homeownership:

An individual with no clear understanding of the mortgage process received step-by-step financial education and personalized planning. Through improved credit behavior and financial preparation, the individual reached

a position to pursue homeownership opportunities

Technology & AI Integration in EquiPath

AI-Assisted Personalization

Supports the adaptation of financial education and recommendations based on each user’s financial profile.

Intelligent Credit Readiness Insights

Identifies patterns and factors that may impact loan approval outcomes.

Personalized Action Plans

Provides AI-supported recommendations to help users improve their credit behavior.

Scalable Financial Guidance

Enables the delivery of individualized support at scale.

Continuous Learning & Adaptation

Adapts guidance based on user progress and interaccion with AI-supported tools.