Meet The Founder

“Financial freedom starts with understanding — and we’re here to teach it.”

Humberto “Trae” Sepulveda III is the Founder of Panda Power Solutions, a Texas-based company built on one mission — to empower individuals and families to take control of their financial future through education, integrity, and results-driven credit restoration.

Trae’s passion for credit repair was born out of firsthand experience. After years working in real estate and the automotive industry, he saw just how many hard-working people — especially within the Mexican-American community — were being denied opportunities simply because no one had ever taught them how credit truly works. He watched families lose financing on homes they could afford, small business owners get turned away from funding, and buyers pay thousands more in interest simply for not knowing how to build or leverage credit.

In his words:

“I’ve seen people with good jobs get an 18% interest rate and pay $730 a month for a vehicle when it should’ve been $499. I’ve seen people get mortgages that will result in over $100,000 in interest over the life of the loan simply because their rate was two percentage points higher than what they could’ve gotten had they had better credit. It’s not fair — and it’s not because they’re irresponsible. It’s because no one ever taught them how to navigate the system.”

With a background as a licensed Realtor (held to a fiduciary duty to act in clients’ best interests) and a former Director of Business Development in the automotive industry, Trae brings a unique combination of financial literacy, integrity, and strategic insight. He understands credit from every angle — from the lender’s approval criteria to the consumer’s need for trust and transparency.

At Panda Power Solutions, his goal goes beyond removing negative items. It’s about restoring financial confidence and teaching clients how to use credit as a tool for growth, not debt. Every process is built on fairness, compliance, and empowerment — rooted in Trae’s personal faith and belief that when people are equipped with knowledge and integrity, they can change their family’s future for generations to come.

When he’s not helping clients improve their credit or secure funding for their businesses, Trae is building community — whether through motivational content, faith-based mentorship, or spending time with his wife and kids.

“My goal isn’t just to fix credit. It’s to empower people to retake their financial future and believe again — in themselves, in second chances, and in what’s possible when faith, knowledge, and discipline meet opportunity.”