Connect with us


Former Banker Launches A Personal Finance Program and Offers Free Help to Employees Impacted by COVID-19

Francis Beltran is the founder of Qualifyo; a personal finance program with a mission to empower individuals and educate them on topics around money and credit.  

In an interview with Francis a couple of weeks ago, he shared some insightful tips on how he gained the right inspiration to create Qualifyo, overcame financial loss as a banker, and the problem his firm aims to solve. 

A Worthy Cause 

In 2008, Francis suffered enormous financial loss due to the Great Recession which resulted in him having to foreclose on different real estate properties and also return two vehicles to the bank.  

Needless to say, his credit report took a massive nosedive. This resulted in the closure of all his credit cards and even worse, he couldn’t even open a new checking account.  

The experience was deeply humbling but nonetheless, it served to teach many valuable lessons. It took years of constantly learning the hard way to recoup from the loss and rebuild his credit. The trauma from the experience spurred Francis to never find himself in a similar situation again. 

With today’s labor environment and record unemployment numbers, he has made it his mission to help as many people as possible who are in the same situation he was in 12 years ago. Qualifyo is looking to help individuals and families build their financial foundation by improving their credit, and set them up for long term financial success.  

With that said, Qualifyo will be launching a program called Covid Credit Care which will offer free credit restoration for 30 days for employees impacted by COVID-19; healthcare workers, restaurant and bar workers, hair stylists e.t.c. that have been impacted by the economic downturn. 


Solving Major Problems

The credit system in today’s society is not built to favor the average individual. Due to this, bankers, lenders, and financial institutions gain the advantage and profit from the consumer’s lack of knowledge. 

According to a study conducted by the Federal Trade Commission, about sixty million people have an error on at least one of their credit reports. 

Qualifyo’s mission is to educate its clients on such issues, usurp power from the majority and give it back to people through empowerment and education. 


Drawing Inspiration 

These last few months, the world has been brought to a standstill due to the ongoing COVID-19 pandemic. And because of the nature of this disease, economic activities are mostly on hold. Notwithstanding the negative effect on the economy and a possible looming recession.

These issues served as a call to action for Francis who took action and established his agency. 


To contact Francis, you can reach him via the following channels: 



I've always had a knack for storytelling! Hi there, I'm Chukwuma Agugbue. I'm a copywriter and, a blogger. I Interview individuals who've achieved some sort of success in their field- Actively building a knowledge base for Millenials

Join Disrupt Magazine

Become A Disrupt Contributor

Most Disruptive

Entrepreneurship7 months ago

Navy Veteran Davis Chris Takes the Music Industry by storm

In life, you need to break down anything that might be holding you back and change course if need be...

Entrepreneurship7 months ago

5 Disruptive Leaders Paving the Way in 2021

Where there is uncertainty, lies a whirlwind of opportunity. 2020 was the year that had entrepreneurs learn a great deal...

Politics1 year ago

Brock Pierce Wants To Disrupt The Two Party System And Be Your Next President

We don’t usually cover politics much here at Disrupt, but when Crypto billionaire and friend of the show, Brock Pierce...

Business1 year ago

John Mcafee – Predictions For The Future

John McAfee is a world-famous tech CEO, computer scientist, civil disobedience activist, privacy advocate, and pioneer of the commercial anti-virus...

Finance1 year ago

Gaby Wall Street – Teaching Latinas to Thrive During The Crisis

It’s no secret we are facing one of the most challenging financial times of the last few decades as we...

Entrepreneurship1 year ago

Tony Delgado – The #1 Entrepreneurship Movement In Puerto Rico

Puerto Rican online market is in constant progress. With many entrepreneurs who are coming here to start a business, it...

Entrepreneurship2 years ago

Elena Cardone – The 10X Ladies Conference Is Declaring 2020 The Decade For Women

The next ten years are meant for women to continue growing their potential and succeeding in multiple areas, including business....

Marketing2 years ago

How Josh Elizetxe Built Snow Into a $40 Million Dollar Business

There is nothing quite like an entrepreneur’s determination when starting a business. That’s my original quote by the way (pun...

Entrepreneurship2 years ago

How Jason Capital Became A Self Made Millionaire By 24

Have you ever wanted to earn the respect of everyone who ever looked down on you at some point in...

Entrepreneurship2 years ago

Sam Bakhtiar On His Way To A Quarter Billion

Dr. Saman Bakhtiar, who prefers being referred as Sam, lives in an 8200 square foot $5.2 million house, Sam is...


Copyright © 2020 Disrupt ™ Magazine - Disrupt is a Minority Owned Privately Held Company

Disrupt ™ is the voice of Latino entrepreneurs around the world. We are part of a global movement to increase diversity in the technology industry and we are focused on using entrepreneurship to grow new economies in underserved communities around the world. We enable millennials to become what they want to become in life by learning new skills and leveraging the power of the digital economy. We are living proof that all you need to succeed in this new economy is a landing page and a dream. Disrupt tells the stories of the world top entrepreneurs, developers, creators, and digital marketers and help empower them to teach others the skills they used to grow their careers, chase their passions and create financial freedom for themselves, their families, and their lives, all while living out their true purpose. We recognize the fact that most young people are opting to skip college in exchange for entrepreneurship and real-life experience. This Podcast was designed to give them a taste of that.