Strategic Thinking. Real Results.
Business consulting for small businesses: company structuring, business credit building (D&B/PAYDEX) and — when your business needs it — access to working capital.
Consulting, structure and growth for the small businesses banks overlook.
Practical guidance for entrepreneurs: opening and structuring your LLC, organizing finances, planning the next step of your business.
Talk to us →Build your company's credit profile the right way — D&B, PAYDEX, business tradelines — so your LLC qualifies for better financing over time.
Talk to us →For qualified consulting clients: access to business working capital from $1,000 to $25,000 — simple, transparent interest, no factor rates, no daily debits, everything in writing. We lend our own capital — no brokers, no middlemen.
Apply →Starting from zero? We handle the filings for your new Florida company: we submit your LLC registration with the information you provide, obtain your EIN as your authorized designee, guide you through opening a business bank account, and register your company with Dun & Bradstreet. You make every decision about your business — we do the paperwork. We are not a law firm and do not provide legal advice.
Talk to us →Already have an LLC? We build your company's credit step by step: D&B and PAYDEX strategy, business tradelines, financial organization — preparing your business to qualify for financing on better terms. Business credit only, never personal scores. Consulting does not guarantee credit approval, and our loans are never conditioned on purchasing consulting.
Talk to us →A one-time deep dive into your business: pricing and margins, cash flow, financial organization and day-to-day operations — drawing on 25+ years of commercial and management experience. You get a clear, written action plan with practical next steps you can apply immediately.
Talk to us →Ongoing monthly mentorship for business owners: a working session every month to review your numbers, set goals and make better commercial decisions — pricing, hiring, landing bigger clients. A seasoned business mind at your side, without the cost of a full-time executive.
Talk to us →Fill out the short form below — 2 minutes, no documents needed to start.
We call you (or WhatsApp) to understand your business and agree on terms that fit.
Sign electronically and receive the funds — often within days, not weeks.
Hard-working small business owners — including the immigrant entrepreneurs big banks ignore.
GT Smart Equity LLC is a private commercial lender and business consulting firm based in Florida, founded and led by Gustavo Araujo. We lend our own capital — we are not a broker, and your application is never sold or passed to third parties. Every client speaks directly with the decision-maker, in English, Portuguese or Spanish. Our mission is simple: give the small businesses big banks overlook a fair, transparent path to structure, credit and capital.
"The working capital helped me grow my company at the moment I needed it most. Clear terms, no surprises — and I always talked to the same person."
"The consulting gave me clarity about my business. I finally understood how to structure my company and where to focus."
"They helped me set up my LLC the right way and organize my finances. Now I make decisions with confidence."
Registered businesses — LLCs and corporations with real operations (EIN, business bank account). The loan must be used for your business: working capital, equipment, inventory, growth. We do not make personal loans.
Usually within 1–2 business days after we talk. We are a private commercial lender — you speak directly with the decision-maker, not a call center.
No. We are a direct lender — we lend our own capital and make our own credit decisions. Your application stays with us: it is never sold, shared or passed to third parties.
Just the form below to start. If we move forward, we'll ask for basics: ID, proof of business (LLC documents) and bank statements.
Every business is different, so terms are personalized — always within applicable legal limits. We'll give you the full picture clearly, in writing, before you sign anything.
Yes — English, Portuguese and Spanish. Contracts and conversation in the language you prefer.
Our focus is business-purpose credit. Contact us to talk about your specific situation.
We look at three neutral factors: your business revenue, time in business, and capacity to repay. That's it — same criteria for everyone, evaluated case by case by a real person.
2 minutes. No commitment. We'll contact you within 1–2 business days.
Thank you. We'll contact you within 1–2 business days — usually by WhatsApp or phone.
💬 Chat with us nowQuestions first? We're happy to talk before you apply.
