WHO WE ARE
Who We Are?
Rich by Credit is a funding services company that helps individuals and business owners access capital using credit-based solutions.
Our team specializes in structuring and guiding funding strategies that go beyond traditional financing. We work directly with clients to help them access capital efficiently, responsibly, and with long-term flexibility in mind.
Thousands of clients, including entrepreneurs, small business owners, brands, and creatives, have used our services to unlock capital and deploy it into business growth, investments, and new opportunities.
About Us
Trey Toner III
Co-founder of Rich By Credit
Trey Toner III is a serial entrepreneur and business funding strategist with a proven track record of building high-performing companies through strategic access to capital.
A former Division I football player, Trey’s path shifted dramatically at the age of 18 when a fractured back abruptly ended his athletic career. What initially felt like a devastating setback became the catalyst for a new pursuit—entrepreneurship. Determined to succeed in business, Trey quickly discovered that talent and ambition alone were not enough; access to capital was the true barrier to sustainable growth.
After years of struggling to secure funding, Trey immersed himself in understanding how banking and business funding systems truly work. Once he mastered these systems, everything changed. By leveraging structured business credit and strategic banking relationships, Trey successfully launched and scaled four companies that now generate seven figures in annual cash flow, with two of those businesses reaching eight-figure revenue levels.
Today, Trey lives the lifestyle his discipline and persistence created—traveling extensively, enjoying the rewards of ownership, and operating at a high level within the financial ecosystem. More importantly, he now uses his expertise and banking relationships to help other entrepreneurs access the capital they need to build, launch, and scale their own dream businesses.
Trey’s mission is simple: remove the funding barrier for ambitious founders and empower them to create financial freedom through ownership—just as he did.
Oscar M. Heredia González
Co-founder of Rich By Credit
Oscar Heredia, better known as “Moises Okala,” was born on January 13, 1994, in San Juan, Puerto Rico. In search of new opportunities for personal and professional growth, he moved to the United States at the age of 18.
Little did he know this journey would lead him to educate himself and expand his knowledge in the credit space—initially out of necessity to secure basic needs such as housing and transportation, which would provide a better quality of life. Dissatisfied with traditional employment paths, he decided to enter the world of investing and, under the mentorship of leading experts, succeeded in obtaining the funding needed to finance his businesses.
Today, Moises has access to over $250,000 in credit lines at 0% interest, in addition to multiple businesses whose profits exceed six figures. His lifestyle speaks for itself, and his greatest purpose is to help thousands of Latinos achieve the same freedom—traveling for free, building valuable business connections, and securing the capital needed to launch their own ventures and fulfill their dreams.
Jorge Lajara
Co-founder of Rich By Credit
Jorge Lajara, known in the music and media industries as “Joe Lajara,” was born on February 8, 1993, in Bayamón, Puerto Rico. His work in the music industry led him to move to Los Angeles, California at the age of 19, where he lived for nearly a decade.
Like many Latinos in the United States, Joe faced various workplace injustices, which further motivated him to find his true purpose. His greatest desire was to become his own boss and help artists, entrepreneurs, and small businesses establish themselves without limitations. Unfortunately, they all shared one common obstacle: a lack of capital to invest in their vision.
This is where Joe decided to bet on his dream. He invested in himself and expanded his knowledge in credit, e-commerce, and real estate through mentorship from well-known experts in these fields. Despite not having the capital to start his businesses, he discovered and implemented a system that allowed him to finance multiple projects through credit—a system that ultimately helped form Rich by Credit.
Today, Joe Lajara has helped both emerging and international entrepreneurs and artists successfully launch their careers by using credit to obtain the capital they needed to take the first step. He is living proof that financial freedom is achievable, as he owns multiple businesses generating six-figure monthly revenues.