Our mission is to close the gap between where you are and where you want to be, then help you build the capital to expedite your financial freedom.
ClearPath repairs what's broken: correcting inaccurate reporting, filing disputes under legal oversight, and paying down debt with a clear roadmap. CapitalPath® takes it further, turning a repaired file into banking relationships, revolving history, and real funding, up to $250K in 0% interest capital.
ClearPathRepairs what's broken
CapitalPath®Builds real capital
SmartPerson Financial was founded in 2023 by Troy Williams, who spent years in corporate finance before starting his own business, an experience that cost him his credit. He used that same knowledge to repair his own file and get his business approved for over $100K in funding. That process became the system used here.
— Troy Williams, Founder
You tell us where your credit and your finances actually stand. No hard credit pull, no judgment, just a clear picture to work from.
We review what's holding you back, then improve your entire credit profile and build a solid foundation for lendability.
Repair opens the door. We build real capital around it: banking relationships, revolving history, and funding that carry you through.
This was never just about a score. It's about giving you the freedom to grow your business, invest, and build the life you're working toward.
Takes about 60 seconds. No hard credit pull, no obligation, reviewed by a credit advisor within 24–48 hours.
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