At Black Rock Financial Coaching, we bring together expert bookkeeping, tax preparation, and credit stacking strategies — giving independent contractors and small business owners the tools to understand their finances, grow their credit, and achieve lasting financial freedom.

The best time is now. Year-round organization helps you save money and avoid last-minute stress. We offer bookkeeping and coaching to keep your finances tax-ready all year long.

Accurate bookkeeping helps you understand your cash flow, track expenses, and stay compliant at tax time. It’s the foundation for making smart business decisions and maintaining financial peace of mind.

At Black Rock Financial Coaching, we help independent contractors, gig workers, and small business owners access funding through a proven strategy called credit stacking. This method uses a structured approach to build multiple lines of personal and business credit at once — giving you the capital to grow your business while protecting your personal finances.

Absolutely. Many gig workers and 1099 professionals use credit stacking to fund business expenses, manage cash flow, or invest in growth. It’s one of the most flexible funding strategies for self-employed individuals..

Credit stacking gives you access to business credit cards and funding that can be used for expansion, marketing, inventory, or emergencies — without relying on personal loans. It helps you separate business and personal finances while boosting your overall financial stability and creditworthiness.

You don’t have to have an LLC, but it helps. We can assist you in setting up your business structure so you can qualify for business credit and funding programs that offer better terms and higher limits.

Yes. We provide secure, fully virtual tax preparation, bookkeeping, and credit stacking services — making it easy to manage your finances online. Perfect for busy contractors and small business owners who want expert support from anywhere.