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Accounting › Small business

Accounting that runs your small business.

Included in monthly bookkeeping: $550–$1,800/mo

A reconciled monthly close, owner-readable statements, and a plain-English read on what the numbers mean — for small businesses past the spreadsheet stage. Fixed-fee and CPA-ready.

Reviewed before delivery: reports go out only after the accounts behind them agree with their statements and every open question is listed for you. What the review checks.

Every close passes a documented review before you see it. We're not a CPA firm; we work alongside yours.

Reconciled monthly close Reviewed before delivery
P&L · BALANCE SHEET

Quick answer

Small business accounting is the layer above data entry: every account reconciled monthly, statements an owner can act on, and payroll and sales-tax records kept in balance. We built it for businesses between $250K and $15M in revenue; below that, if the owner keeps a monthly reconciliation habit, DIY with a lean setup can be enough.

Included in monthly bookkeeping ($550–$1,800 a month); your exact fee is scoped in writing. The close, the statements and sales-tax support share one monthly fee. What the published range includes.

What you actually get

The recording and the interpretation.

Accounting that stops at data entry — transactions typed in, a report exported, no one who can tell you what it means — leaves the owner doing the hardest part alone: deciding what the numbers are saying.

We run the whole layer. Your books are reconciled and closed monthly, your financial statements are owner-readable and CPA-ready, and you get a plain-English read on whether last month was actually profitable.

When the numbers raise a strategic question — pricing, cash, a hire — that's where advisory picks up. The accounting is the foundation it stands on. We're not a CPA firm; we keep your books clean and hand them to yours at tax time.

A reconciled monthly close

Every account tied to source and closed on a fixed date — reports owners and lenders actually trust.

Owner-readable statements

A P&L and balance sheet you can read and act on, plus our read on what they say.

Reviewed before delivery

Reports arrive checked, with a plain-English read on what they say.

A journal of four corrections a real monthly close catches: an owner draw moved out of office expense into equity, the principal of a loan payment moved out of expense to reduce the loan, sales tax moved out of income into a liability, and a personal charge moved out of supplies into owner draws; debits equal credits and each amount ends up in the account it belongs to. The entry totals $4,833.75 in debits and $4,833.75 in credits.
Figure data as a table
Four corrections a real close posts that DIY books miss
AccountDebitCreditThe judgment call
Owner draws (equity)2,400.00—Money the owner took out, booked as an expense
Office expense—2,400.00—
Equipment loan1,275.00—Principal inside a loan payment dumped to expense
Expense the payment was coded to—1,275.00Only the interest stays an expense
Sales842.60—Sales tax collected, sitting in income
Sales tax payable—842.60Money owed to the state, not revenue
Owner draws (equity)316.15—A personal charge on the business card
Supplies expense—316.15—
Totals4,833.754,833.75Profit, debt and the tax owed now read correctly
None of the four is exotic, yet each one left alone makes the profit and loss or the balance sheet wrong in a way a quick read won't catch. Illustrative example — not client data. Assumptions stated. Assumptions: Invented amounts for one month of a small business's books, one example of each judgment call; what is deductible stays your CPA's call.

As the business grows

What the books need to add at each revenue stage.

A checklist, not a benchmark: each stage adds to the one before it. Tick what's already in place; the first unticked item is the next thing to fix.

Illustrative example — not client data. Assumptions stated.

Around $250K in revenue

  • A business bank account and card that carry only business money
  • Every account reconciled to its statement each month
  • A lean chart of accounts your CPA recognizes
  • Receipts captured as transactions land, not in April

Around $1M

  • Accrual-basis reports to manage from, whatever basis your CPA files on
  • Payroll recorded from the provider's register, liabilities reconciled monthly
  • Receivable and payable agings reviewed at every close
  • A fixed close date, with reports by the 10th once records are in

Around $5M

  • Class or location tracking for each line of business, crew or site
  • Accruals and prepaids posted so each month carries its own costs
  • A budget, with actuals compared against it monthly
  • Duties split: the person paying bills isn't the person reconciling them

Around $15M

  • Lender or investor reporting on a schedule, with any covenants tracked
  • A controller-level review sitting above the monthly close
  • A conversation with your CPA about reviewed or audited statements, if a lender asks
  • Written close procedures, so the routine survives staff changes

Assumptions:

  • The revenue figures mark where each checklist starts for this example; they aren't statistics about businesses.
  • One operating entity. Inventory, payroll or several locations bring these items forward.
  • What the tax return needs at each stage is for your CPA to say.

What a template can't judge

What a real close catches that DIY books miss.

The difference between "the transactions are entered" and "the numbers are right" is a set of judgment calls that automation doesn't make and a hurried owner doesn't catch. These are the ones a real close should catch:

Owner draws booked as expense

Money you take out of the business is equity, not a business expense. Booked wrong, it understates your profit (and overstates your deductions) — a favorite finding in a tax-time review, and exactly the kind of error that invites questions.

Loan payments dumped to expense

A loan payment is part principal (paying down a liability) and part interest (the only deductible piece). Run the whole payment through as an expense and your debt never goes down on the balance sheet while your expenses are overstated — both numbers wrong at once.

Sales tax sitting in income

Sales tax you collect is money you owe the state, not revenue. Left in income, it inflates your sales, distorts your margins, and quietly grows a liability you're not tracking — until the return is due and the number doesn't match.

Personal and business blurred

Personal charges run through the business (and business costs paid personally) muddy both the deduction picture and the true cost of operating. We separate them cleanly, so the P&L shows what the business actually earns and spends.

None of these are exotic — they're the everyday calls that decide whether your reports are trustworthy. Catching them is the difference between books that look done and books that are.

Small business accounting FAQ

Small business owners ask us these.

Bookkeeping records and reconciles the transactions; small business accounting is the layer on top that turns them into something you can run a business with. That means a monthly close, reconciled, on a fixed date; statements an owner can read, a profit and loss and a balance sheet you can act on; payroll and sales-tax support kept reconciled; and a plain-English read on what the numbers mean. You get the recording and the interpretation, not just data entry.
When the books start costing you more than they save: month-end takes a weekend you don't have, pricing or hiring calls get made without trusting the numbers, or your CPA keeps sending the file back at tax time. Handing off doesn't mean losing control; it means we keep the close current and clean while you run the business, and you finally get reports you can lean on.
We serve a broad range of small businesses — restaurants and hospitality, contractors and trades, professional and medical practices, e-commerce and retail, nonprofits and churches. The fundamentals — reconcile to source, close monthly, report plainly — hold across all of them.
It can be, and sometimes the honest answer is not yet. If you're past the spreadsheet stage and a clean monthly close would change how you make decisions, it's a fit. If you're pre-revenue or genuinely tiny, a simpler setup and DIY may be the right call for now, and we'll tell you so in the free review rather than sell you something you don't need.
Very little once we're set up — that's the point. The bank and card feeds flow in automatically, so month to month we mainly need you to forward anything that isn't visible in the feeds (a new loan document, a major purchase receipt, a payroll change) and to answer the occasional categorization question when something genuinely needs your context. You're not collecting and labeling transactions; you're confirming the handful of things only you would know. Your part is a few minutes a month, not an evening.
As involved as you want, and no more than you need to be. The work — reconciling, closing, preparing statements — is ours. Your part is reviewing the reports we deliver and telling us when something in the business changes that the books should reflect. Owners who want a regular call to walk through the numbers can have one written into the scope; owners who just want clean reports in their inbox get that. What you don't have to do is chase the bookkeeping yourself, which is the reason for handing it over in the first place.

Also: payroll support · monthly bookkeeping · the full accounting offer.

Numbers that hold up

Get accounting that actually helps you run the business.

We review where your books stand and scope a fixed monthly fee in writing. Reconciled close, real reports, reviewed before delivery. Nothing is owed for the review.

Reviewed before delivery Fixed fee, in writing CPA-ready, we work with yours