— Tu Dinero y Negocio
Tu Dinero y Negocio — smart money and business guides for Hispanic America.
Practical, editor-reviewed guides — built for Spanish-speaking entrepreneurs and bilingual families navigating credit, loans, and starting an LLC in the U.S.
Free·Editor-reviewed·U.S. compliant·Bilingual EN / ES
— What this is
Plain-English answers for the questions your bank won't slow down to explain.
We write for the small business owner working a second shift. The mom helping her parents apply for their first U.S. credit card. The first-generation founder figuring out whether to file an LLC in Florida or Texas. Every guide is reviewed by our editorial team and points to the official source — CFPB, IRS, SBA, USCIS, your state regulator — so you can verify it yourself.
— Latest guides
Three guides to start with.
Small Business Loans for Minorities: SBA, CDFIs, and Underwriting in 2026
A complete map of the funding paths actually available to minority-owned businesses — SBA 7(a), Microloan, Community Advantage, and the CDFI network. With underwriting checklists for each.
Read the guide
How to Build Business Credit From Zero: The 12-Month Plan
A month-by-month roadmap from EIN to a Dun & Bradstreet PAYDEX score. Tradelines that report. Vendor accounts that don't. What to ignore. What to actually do this week.
Read the guide
Best Credit Cards for Immigrants: ITIN, No-SSN, and First-Card Strategy
The cards that actually approve with an ITIN. Secured vs. starter vs. credit-builder. How to graduate to an unsecured card in 12 months without resetting your file.
Read the guide
— Editorial standard
Edited against the official source. Every time.
Money articles online are noisy and most of them get the rules wrong. We don't write a sentence about an SBA program, an interest cap, an ITIN application, or an LLC filing fee without checking it against the agency website that day. Every guide cites the source so you can verify it yourself before you act.
Editorial only. Not financial, legal, tax, or immigration advice. Verify everything with a licensed professional and the official source (CFPB, FTC, IRS, USCIS, your state regulator) before acting.