First Step Financial Services Website

First Step Financial Servcies

Commitment. Integrity. Solutions.

Business Credit Consulting & Financial Wellness

Minding My Business

How can we serve you?

At First Step Financial Services our mission is to empower businesses to unlock their full potential by providing expert guidance and support in navigating the complex world of business credit. We are here to serve you and dedicated to helping our clients put the pieces together by establishing, building, and managing strong business credit profiles that serve as a foundation for growth, stability, and success.

the Mission

“With a commitment to integrity, professionalism, and excellence, we strive to be trusted partners and advisors to minority and small businesses of all industries. Our mission is to demystify the process of business credit management, equipping our clients with the knowledge, tools, and resources they need to make informed decisions and achieve their financial goals.

We believe in fostering long-term relationships built on transparency, communication, and mutual respect. By understanding the unique needs and challenges of each client, we tailor our services to provide personalized solutions that drive tangible results and create lasting value.

Through our unwavering dedication to client satisfaction and our relentless pursuit of excellence, we aspire to be recognized as leaders in the field of business credit consulting. Our ultimate goal is to empower businesses to thrive and prosper, today and in the years to come.”

This mission statement reflects a commitment to helping businesses succeed through expert guidance, personalized service, and a dedication to excellence in business credit consulting that begins with a complete and thorough assessment of personal credit which is the foundation of pursuing business credit.

"Business Credit is our expertise. We're here to service your needs in building a solid personal and business credit foundation."

Tamika Williams, CEO

We’re Dedicated To:

Commitment

We strive to be trusted partners and advisors to minority and small businesses of all industries

Intergrity

We believe in fostering long-term relationships built on transparency, communication, and mutual respect

Solutions

Our ultimate goal is to empower businesses to thrive and prosper, today and in the years to come

the Purpose

We at First Step Financial Services understand that your personal credit is the catalyst to establishing good business credit. That is why we start with a mandatory detailed assessment of your personal credit through the process of examination, rehabilitation and reconstruction to position you in establishing business credit and creating good credit management skills.

Personal credit can have a significant impact on business credit in several ways:

Initial Funding
Guarantees and Collateral
Supplier and Vendor Relationships
Business Credit Cards
Business Loans and Lines of Credit
Separation of Personal and Business Finances

Services

As a business credit consultant, First Step Financial Services assist businesses in managing and improving their credit profiles and scores. This involves analyzing a company's credit history, identifying areas for improvement, and providing strategies to build and maintain strong credit. This includes guidance on how to establish credit relationships with vendors, suppliers, and financial institutions along with personal credit assessment.

Some common tasks performed by business credit consultants include:

Credit Analysis: Reviewing the company's credit reports and scores to identify any issues or discrepancies that could negatively impact its creditworthiness.

Credit Improvement Strategies: Developing customized plans to address weaknesses in personal credit and the company's credit profile, such as reducing debt, disputing inaccuracies on credit reports, and establishing positive credit relationships.

Vendor and Supplier Relationships: Advising on how to build strong credit relationships with vendors and suppliers, which can help improve cash flow and access to essential goods and services.

Financing Assistance: Assisting businesses in securing financing by identifying suitable lenders and helping them prepare loan applications and financial documents.

Education and Training: Providing guidance and resources to business owners and staff on how to effectively manage and maintain good credit practices.

Personal Assessment

60-90 minute session

Personal Credit Review and Assessment
Road Map to Business Credit Overview
Goal Setting
Business Credit Book

Minding My Business

Personal & Business Credit Consulting Packages:

Start Up

Register LLC
Establish EIN
Establish DUNS Number
Write Mission Statement
Business Credit Book
Open Business Account
Customized Plan to Obtain Business Credit

Phase 2

Manage Vendor Accounts
Apply for Tier 2 Credit
Apply for Tier 3 Credit
Mandatory Monthly Meetings

Web Design

Phase 1

Start Up Package
Establish Vendor Accounts 3-4
Manage Vendor Accounts for 3 months

Basic Plan Starting

5 Pages (Home, About, Profile, Services, and Contact)
Design
Wording
Domain Registration
Email Address

*The Mandatory Personal Assessment provides insight of personal credit management and the steps needed to establish good healthy credit habits before matriculating into business credit - duration of time needed before beginning to build business credit responsibly varies.

Clients

First Step Financial Services is excited to partner with clients on their financial journey to establishing and maintaining business credit and financial wellness. It is the personal goal of First Step Financial Services to offer every client superior customer service, honest, transparency and provide them with the necessary tools to achieve their financial goals.

Minorities

Women

Small Businesses

Credit History
Credit Scores & Ratings
Credit Relationships

Credit Utilization
Credit Monitoring & Management
Credit Building Strategies

Impact on Business & Operations
Continued Education
Personal Credit Management

About

Having over 20 years of experience in banking, particularly in areas such as credit cards and mortgages, Tamika possess a wealth of knowledge and expertise in various aspects of the financial industry. Here's how such extensive experience could benefit someone:

Deep Understanding of Banking Operations: An in-depth understanding of how banks operate, including their processes, regulations, and best practices.
Credit Card Expertise: Everything from customer retention strategies to risk management, credit underwriting, and portfolio management. Intricate understanding of credit card products, pricing models, and rewards programs.
Mortgage Industry Insights: Involved in originating loans, processing applications, and assessing borrower qualifications. An understanding of different mortgage products, interest rate trends, and regulatory requirements.
Customer Relationship Management: With extensive experience, Tamika has interacted with a diverse range of customers. Tamika understands the importance of building and maintaining strong relationships, providing excellent customer service, and addressing client needs effectively.

Tamika’s experience with credit cards, mortgage loans and credit has provided the foundation for First Step Financial Services to be considered an expert in the field of credit restoration and financial wellness. Here, First Step Financial Services is committed to helping businesses succeed through expert guidance, personalized service, and a dedication to excellence in persona and business credit consulting.