Building strong business credit is crucial for achieving your long-term growth goals. At Josh & Cal Consulting, our expert team works closely with you to develop a personalized credit strategy, helping you establish a solid credit foundation and access greater financing opportunities with confidence.
Business Credit Assistance
At Josh & Cal Consulting, we excel in creating personalized business credit solutions tailored to the unique needs of each client. Our team is dedicated to helping you strengthen your credit profile, expand your financing options, and position your business for long-term success.

OUR PHILOSOPHY
Strategic Credit Building Approach
We conduct a detailed assessment of your current business credit standing, taking into account your short- and long-term financial goals. Our dedicated team partners with you at every stage—designing tailored strategies, setting up trade lines, and guiding you through critical credit milestones—to help your business establish and maintain strong, reliable credit.
Transparent, Fixed-Fee Credit Assistance
At Josh & Cal Consulting, we offer business credit assistance on a fixed-fee basis, charging only for our expertise and time. This transparent model ensures there are no hidden commissions or incentives—just honest, unbiased support focused entirely on building and strengthening your business credit.
Fiduciary Business Credit Guidance
At Josh & Cal Consulting, we are committed to acting in your business’s best interest at every step of the credit-building journey. Every recommendation we provide is based solely on strengthening your business credit profile, free from any outside influence or personal gain—ensuring you receive completely unbiased, strategic advice.
Expert Credit Advisors, No Salespeople
At Josh & Cal Consulting, your business credit journey is guided by experienced credit specialists—not sales representatives. We don’t sell products or earn commissions; our sole mission is to provide honest, expert-driven advice that helps you build strong, sustainable business credit tailored to your long-term success.
Preparing For Your Future
Achieving Your Vision
Our Process
How Can Our Team Help You to Reach Your Goals
01
Learning About You
Schedule a 30-minute call with our professional to discuss your goals and how we can help. This phone or Zoom call also outlines who we are and our process.
02
Organized Meeting
Meet with our team to gather the necessary data for your Financial Plan. We’ll discuss your finances, lifestyle, and goals, including investments, assets, expenses, and income.
03
Plan Meeting
Our advisor will present your personalized financial plan, ensuring it aligns with your evolving needs and goals, and provide clear steps to help you reach your financial objectives.
04
Implementation
Your advisor will send a copy of your plan with an actionable list of recommendations. We’ll implement and manage these, keeping you updated.
Testimonials
See What Our Clients Are Saying
“I hired Finovate for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”
Rebecca Roy
H&N – CEO & President
“Finovate has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”
Carlos Martines
MEX – CEO
“Partnering with Finovate was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”
Kate Smith
Swirl – CEO & President
Why us?
You’ll Know What
You’re Getting
Builds Wealth
Steps to Take Next
We are Transparent Like that. No Gimmicks.