In a time when access to capital remains one of the greatest challenges for small business owners, especially within the Latino community, financial strategist and entrepreneur Andrés Aparicio is shifting the narrative. Through his company, Veka Consulting, Aparicio is empowering thousands of entrepreneurs to access business credit, secure funding at 0% interest, and grow their ventures without relying solely on personal savings.
What sets Aparicio apart is not just the financial results—more than $7 million in capital secured for clients—but the story behind the mission. Originally from Colombia, Aparicio arrived in the United States in 2004 chasing the American Dream. But his journey quickly took a difficult turn: he was detained by immigration authorities and faced multiple court hearings to remain in the country.
Just a few years later, in 2008, he experienced a devastating financial collapse and filed for bankruptcy. “I lost everything,” Aparicio recalls. “But I gained something far more valuable—the realization that without understanding the U.S. financial system, I would never break the cycle.”
That moment marked a turning point. Instead of retreating, he immersed himself in financial education, studying under leading experts in real estate, credit, and investment. By 2018, he had launched his first consulting business, focused on teaching others the very principles he had learned through trial and error.
Fast-forward to today, and Andrés Aparicio has educated more than 25,000 Latino entrepreneurs through free and paid training—both online and in-person—on how to build business credit, launch U.S.-based companies, and leverage the banking system to grow without debt stress.
His signature programs help clients:
- Establish business entities and build business credit profiles
- Access 0% interest credit lines and business funding
- Strategically use credit cards for scaling and cash flow
- Maximize points and miles to travel globally for pennies on the dollar
“Too many entrepreneurs, especially Latinos, think they have to fund their businesses from their own pockets,” Aparicio explains. “But the truth is, there are systems in place—especially in the U.S.—that allow you to grow with the bank’s money if you know how to play the game.”
This mindset has led to a loyal and growing community of business owners who credit Aparicio’s mentorship with helping them launch, stabilize, and scale their businesses—often within months of completing his training.
A Full-Spectrum Financial Education Approach
Unlike traditional financial advisors, Aparicio doesn’t just teach theory—he brings lived experience. From being denied loans to building back his credit from scratch, he understands the roadblocks many entrepreneurs face. That’s why Creditology Academy offers full-spectrum support, from entity formation and credit profile building to strategic coaching and funding application assistance.
His clients include coaches, content creators, real estate investors, medical professionals, and e-commerce business owners—many of whom report accessing between $25,000 to $150,000 in credit within the first year of working with him.
In addition, Aparicio is on a mission to bring this financial knowledge to Latin America, where many entrepreneurs face limited access to credit and slow-moving banking systems. Through in-person seminars across Central and South America, he’s helping business owners and real estate investors discover how to legally tap into the U.S. credit system to fund their ventures, invest, and grow—no matter where they’re located.
Looking Ahead: A Mission to Empower Over 2 Million Latinos
With demand growing rapidly, Aparicio has ambitious goals for the next chapter of Creditology LATAM. His vision is to reach over one million Latinos in the United States and another million across Latin America, providing the tools and mentorship they need to take control of their financial futures.
He’s also launching new travel-focused programs this fall, teaching clients how to use points and miles to reduce travel costs by 95%—a strategy he personally uses to travel the world while reinvesting his capital back into his business.
My mission is simple,” Aparicio explains. “When knowledge grows, opportunities appear. My goal is to ensure that Latinos—whether in the U.S. or abroad—gain access to the U.S. financial system and learn how to leverage bank capital, instead of relying solely on their own, to grow their businesses and investments.
To learn more about Andrés Aparicio’s trainings, consulting services, or upcoming events, visit www.vekaconsulting.com or follow @AndresAparicioA or @creditologyacademy on social media.
