Founder · Credit Coach · The Credit Dad

Meet Keith Smith.

Entrepreneur, credit coach, business funding strategist, and AI educator. Keith built Elevate Your Hustle because he lived the problem — and figured out the solution. Now he's passing it on.

5,000+ people helped $2.4M+ funding unlocked 4.9★ client rating
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Keith didn't grow up learning about credit scores, business plans, or how to talk to a bank. He grew up watching people work hard and still come up short — not because they weren't smart or capable, but because nobody had ever given them the blueprint. He was one of those people. Bad credit. No capital. Big dreams with no clear path forward.

What changed wasn't luck — it was information. Keith went deep on credit law, lending standards, and the systems that keep everyday people locked out of financial opportunity. He repaired his own credit, built his own business, and then did what most people don't: he turned around and taught everyone else how to do it too. He started sharing everything he learned online — no paywalls, no gatekeeping — and an audience showed up hungry for it.

That's how Elevate Your Hustle was born. What started as a TikTok account called Keith The Credit Dad became a full-scale education platform helping thousands of entrepreneurs repair their credit, access business funding, and build AI-powered systems to scale. The name says it all: Keith shows up like a dad — direct, no-nonsense, invested in your success, and refusing to let you settle for less than you're capable of.

And he didn't just preach it — he lived it at home first. Keith taught his son Jordan credit young, got him a mentor early who leveled him up with business credit, and gave him room to find his own lane. Today Jordan runs his own credit consulting company — YBE Credit — and trades the markets every morning. That's the whole mission in one family: hand somebody the game, and watch them build something that's theirs. If it worked for his own son, it can work for you.

5,000+ People Helped
$2.4M+ Funding Unlocked
127 pts Avg. Score Increase
4.9★ Average Client Rating

Three Lanes.
One Mission.

Keith built Elevate Your Hustle around three interconnected pillars — because real financial freedom requires all three working together.

AI Automation

Keith helps small business owners and service providers deploy custom AI agents that handle lead intake, client follow-up, content creation, and operations — so the business runs even when you're not working.

Explore AI Agents →

Credit Education

Through YBE Credit, Keith coaches entrepreneurs on credit repair, score optimization, and credit building strategy — turning damaged or thin files into profiles that banks and lenders actually say yes to.

Explore Credit Services →

Business Funding

Keith guides entrepreneurs through SBA loans, lines of credit, equipment financing, and alternative lenders — matching them to the right capital source for their stage, structure, and goals.

Explore Funding Strategy →

What Keith Stands On

These aren't talking points. They're the convictions that drive every piece of content, every coaching call, and every decision at EYH.

Information is freedom.

The gap between people who build wealth and people who don't isn't intelligence — it's access to information. That's why Keith gives the real playbook away. No vague advice. No upsell-first content. Just the stuff that actually works.

Credit is infrastructure.

Your credit score isn't a judgment of your character — it's a financial tool. When it's healthy, doors open. When it's damaged, the system works against you. Keith treats credit repair as essential maintenance, not shame-based recovery.

Systems beat hustle every time.

Working harder on a broken process just gets you to burnout faster. Real growth comes from building systems — whether that's automated AI workflows, a repeatable funding strategy, or a credit-building plan with clear milestones.

Everybody deserves a real shot — not just the ones who already had a head start.

Elevate Your Hustle exists to close the gap between everyday entrepreneurs and the financial knowledge, credit access, and capital that's been gatekept for too long. That mission drives everything Keith builds.

Featured In / As Seen On

Forbes Black Enterprise Earn Your Leisure The Breakfast Club Yahoo Finance TikTok Highlights

[ Replace with confirmed press placements and podcast appearances ]

Built on Real Experience.
Not Just Credentials.

Keith's education comes from doing the work himself first — rebuilding credit from the ground up, securing real business funding, and building AI automation systems in live business environments. The certifications followed the experience, not the other way around.

FCRA-Informed Credit Strategist

Deep knowledge of the Fair Credit Reporting Act and consumer credit dispute rights

SBA Lending Process Expert

Guided clients through SBA 7(a), SBA Express, and Microloan programs

AI Automation Practitioner

Builds and deploys custom AI agent systems for real business operations

Educator & Content Creator

500K+ followers across platforms — financial literacy content that actually converts into action

Flagship Brand

Elevate Your Hustle (EYH)

The main platform — business education, AI automation training, funding strategy, and community for entrepreneurs ready to build something real. This is where the movement lives.

Credit Division

YBE Credit

Keith's dedicated credit coaching brand — Your Business Elevated. Focused entirely on helping entrepreneurs repair credit, build strong credit profiles, and get lender-ready. Operates as its own sub-brand with dedicated coaching programs.

Creator Brand

Keith The Credit Dad

The social media persona that started it all. Short-form financial literacy content — direct, no-fluff, dad-energy — that's brought hundreds of thousands of people into the EYH community.

What the Community Says

Not highlights — just real feedback from real clients.

★★★★★

"Keith is the realest financial educator I've come across. No fluff, no upsell every five seconds — just actual strategy. My score went from 541 to 698 in eight months following his program. I don't tell anyone my business, but I'm telling this."

★★★★★

"I'd been denied three times before I found EYH. Keith showed me exactly what was wrong with my profile, helped me fix it, and seven months later I closed a $75K SBA loan. That money changed the whole trajectory of my business. Game changer."

★★★★★

"Signed up for the AI automation program not knowing what to expect. Within 30 days I had a working lead intake system and a follow-up sequence running 24/7. I'm closing clients in my sleep now. Keith knows what he's talking about and he teaches it like he actually cares if you get it."

Ready to Work With Keith?

One free call. Real conversation. No pitch, no pressure — just an honest assessment of where you are and what's possible.