Xavien Rafael

I’m Xavien Rafael, CEO of Intelligent Credit, an international credit agency serving Canadians and Americans with top-tier credit repair and funding solutions. My mission is to help real estate wholesalers, agents, investors, and developers unlock opportunities by optimizing their credit, securing business funding, and building a solid financial foundation. Here’s how I bring value to your business: • Credit Optimization: My expertly trained team of virtual assistants will nurture and repair your credit while you focus on scaling your real estate ventures. • Business Structuring: We’ll help you create and file your corporation as an S-Corp, setting you up as the CEO or manager of your business—not just a sole proprietor. • Banking Setup: We assist in opening 3-5 business bank accounts to establish a proper financial structure, giving your money a clear purpose. • Fast Business Funding: Need $50k+ in funding to grow your deal flow or boost your marketing? I specialize in securing the capital you need to take your business to the next level—quickly and responsibly. At 29, I’ve built a proven system that allows my team to handle your credit repair, funding, and structuring needs while you focus on your deals. Whether you’re navigating real estate challenges in the U.S. or Canada, I’ve got you covered. I’m looking to connect with serious wholesalers, real estate agents, investors, and developers who are ready to grow their networks and achieve their goals. If you’re a real estate agent with clients facing credit challenges or an investor needing funding for your next deal, let’s talk. We’re not about “get-rich-quick” schemes—we’re about “get-rich-responsibly.” Let’s turn credit into wealth and build a foundation for long-term success. Happy investing—I look forward to working with amazing individuals and making a lasting impact!