Ngafua and People Ltd

04/25/2026

https://youtu.be/WAqBw-d5K44?si=JPPoeIt3jXOfeQG4

79 likes, 9 comments. "These 11 Banks approve up to $500k in Business Credit with No Docs (My 2026 Funding Sequence)"

04/24/2026

We help individuals and entrepreneurs:
✔ Remove negative items from credit reports
✔ Increase credit scores fast
✔ Build strong personal & business credit
✔ Get approved for funding & capital

04/24/2026

Most people say they want to fix their credit… but they’re guessing instead of knowing.

Here’s the truth:

If you don’t have access to your 3-bureau credit report (Experian, Equifax, and TransUnion) — you’re operating blind.

How can you fix:
• Accounts you haven’t seen?
• Errors you don’t know exist?
• Collections you didn’t verify?
• Late payments you didn’t track?

You can’t.

Your credit report is your financial report card. It tells the full story — what’s helping you, what’s hurting you, and what needs to be removed or improved.

That’s why step #1 in fixing your credit is simple:
👉 Pull your 3B credit report

Once you see everything:
✔ You can identify negative accounts
✔ You can dispute inaccuracies
✔ You can track progress
✔ You can build a real strategy

No more guessing. No more hoping.

Clarity is power.

If you’re serious about fixing your credit, start by knowing exactly what’s on it.

Get full access to your 3-bureau credit report here:
👉 https://app.myfreescorenow.com/enroll/B02A0345

📩 Need help reviewing your report or removing negative items?
Call/Text: 817-733-3709

03/03/2026

07/29/2025

💰 Banks & Lenders That Offer Funding with Bad Credit

💼 1. Bluevine
• Business line of credit (up to $250K)
• Willing to work with credit scores as low as 600
• Need 6+ months in business and $10K/month revenue
👉 https://www.bluevine.com

💼 2. Fundbox
• Line of credit and short-term loans
• Works with credit scores starting at 600
• Fast approvals, no hard credit pull to apply
👉 https://www.fundbox.co

💼 3. Capital One Spark Business Credit Card
• Easier approval process than traditional banks
• Use as a stepping stone to build business credit
👉 https://www.capitalone.com/small-business

💼 4. Divvy (Now BILL Spend & Expense)
• Business credit line with no personal credit check
• Based on cash flow and business bank history
👉 https://www.divvy.com

💼 5. Lendio (Marketplace)
• Access to 75+ lenders, many offer bad credit loans
• Only a soft credit check for initial match
👉 https://www.lendio.com

💼 6. Credibly
• Offers working capital loans for credit scores as low as 500
• Must have at least 6 months in business
👉 https://www.credibly.com

💼 7. Giggle Finance
• Instant approvals for 1099 workers, gig workers, and self-employed
• No hard credit check
👉 https://www.gigglefinance.com

💼 8. Kiva Microloans
• 0% interest loans up to $15K
• Based on community support and repayment history, not credit
👉 https://www.kiva.org

🧠 Pro Tip:
Even if your credit is 500–600, you still need:
• A business bank account
• Steady income or cash flow
• At least 3–6 months of business history
• Proof of identity + business ownership

🔑 Bonus:
💳 Fix your credit WHILE building your business.
That way, you’re ready for real funding, not just band-aid loans.

05/20/2025

Are you still interested in growing your business faster by getting $50k-$150k in 0% interest business credit cards?

If so, dm us or comment below

05/14/2025

Helping Immigrants Build Wealth, One Step at a Time!

At Ngafua and People, we specialize in tax preparation, credit counseling, business consulting, and funding solutions tailored specifically for immigrants. Whether you’re just getting started or scaling your business, we’re here to guide you with the right tools, strategies, and expert support.

Let’s turn your goals into a game plan.
Let’s turn your vision into wealth.

Book a free consultation today and take your first step toward financial freedom.

05/09/2025

Game-Changing Credit Hack!
Need cash but only have credit? I just partnered with the #1 Credit Card Liquidation Company in the game — fully bank compliant and used by top funding experts.

Here’s what you can do:
• Liquidate personal & business credit cards LEGALLY
• Access $10K, $50K, even $500K+
• No shutdowns, no frozen funds
• Fast turnarounds: 7–21 biz days
• Min: $5K | Fee: 6% + wire fee

Ready to unlock cash from your credit the RIGHT way?
Apply here:
https://www.mfcapitalco.com/prequal?ref=NGAFUA+AND+PEOPLE+LTD

DM or comment “INFO” if you want help with the process!

02/20/2025

🚨 ATTN ALL BUSINESS OWNERS‼️🚨

Beneficial Ownership Information(BOI) Reporting requirements are back in effect!
As of February 18, 2025, the U.S. Department of Treasury has ruled in favor of the Corporate Transparency Act (CTA). You will have until March 21, 2025 to file your report!

What to know about the BOI Report:
▪️It’s FREE!
▪️It takes 3-5 minutes to complete.
▪️You can file here: https://boiefiling.fincen.gov

Failure to file your BOI Report can result in fines up to $10,000 and imprisonment up to 2 years!

Please do your due diligence.

Thank you,