59%
of households can't cover a surprise expense without financial strain.
We help you get ahead of it.
Capability Gap
53%
Credit Visibility
of adults in low-income areas carry subprime credit.
We help you rebuild it.
6%
Banking Access
of U.S. adults are completely unbanked.
We help close that gap.
Banking
Integration
04
Guding unbanked individuals to open low-fee, secure checking and savings accounts.
05
Banking
Integration
Secure, cloud-based platform containing self-paced calculators, worksheets, and coaching portals.
03
Financial
Literacy
Modular courses on compound growth, savings building, and avoiding predatory lending schemes.
Credit
Rehabilitation
01
FCRA- compliant error disputes; instruction on direct bureau engagement; elimination of predatory clinic reliance.
02
Debt
Management
Structured debt reduction plans; amortization education; automated budgeting tool deployment.
Five structured
pathways.
One integrated system.
OUR SERVICES
Clear guidance for every stage of the financial journey.
OUR FRAMEWORK
Built to Empower,
Not to Exploit
Most credit repair companies profit from confusion and dependency. Liberty Financial takes a different approach; giving clients the knowledge, tool, and structured support to build lasting financial stability.
A FUNDAMENTALLY DIFFERENT APPROACH
05
04
03
02
01
Complete financial well-being assessment.
Where You Stand
Fixing What's Wrong
Legal correction of inaccurate credit information.
Your Debt Plan
A realistic repayment strategy based on your life.
Learning
Practical literacy modules for informed decisions.
Staying on Track
Biannual check-ins that protect your progress.
Our Five-Stage Method
A clear process designed to meet you where you are.
04
05
THE POWER OF CONSISTENCY
Curious how compound growth works?
Small, consistent savings can grow faster than you think.
01
Families Living Paycheck to Paycheck
If an unexpected car repair or medical bill would throw off your entire month, you're not alone. We help low- and moderate-income households build the stability to absorb life's surprises without falling into debt.
02
Immigrants and Non-Citizens
Starting over financially in a new country is hard when you have little or no credit history here. We help you build a domestic credit file from the ground up and navigate the U.S. banking system with confidence.
03
First-Time Homebuyers
Dreaming of homeownership but held back by subprime credit or a high debt-to-income ratio? We help you close that gap so you can qualify and start building generational wealth.
04
Individuals Recovering from Hardship
Medical debt, past defaults, or a payday lending cycle don't define your financial future. We help you reconstruct your financial identity step by step, with a real plan instead of a quick fix.
WHO WE SERVE
Different Starting Points.
One Path Forward.
Financial exclusion isn't a personal failure. It's a systemic gap. Liberty Finance meets people where they are with practical guidance, accessible tools and a clear path forward.
our roadmap
Our Path
Forward.
A clear, phased plan buit for sustainable growth.
Liberty Finance is designed to prove its model locally before scaling regionally and nationally. Each phase builds directly on the milestones achieved before it, ensuring every step is grounded in real results, not projections alone.
Years 1–2
Phase I: Pilot
Localized testing in Highlands County, FL
I
Scale should follow evidence—not outrun it.
Years 3–4
Phase II: Expansion
Replicating the framework in distressed Florida counties
II
Year 5+
Phase III: Scaling
Multi-state deployment and nationwide virtual services.
III
HIGHLANDS COUNTY
FLORIDA
NATIONWIDE
Where We Are
Today.
Liberty Finance is currently in its foundational development phase. Its corporate structure has been established, the core financial-literacy curriculum has been designed, and the digital client platform is in active development in preparation for an initial pilot in Highlands County, Florida.
Nicole Gabriela da Silva combines an MBA in Business Administration and Development, a degree in Financial Management, and over a decade of financial leadership experience to lead Liberty Finance.
Her mission is to bring honest, non-predatory financial guidance to the communities that need it most.
ABOUT US
Meet the
Founder.
CREDENTIALS & EXPERIENCE
MBA, Business Administration & Development
10+ Years in Financial Management & Budget Analysis
BA, Financial Management
Founder, Liberty Financial