Not reconstructed at month end. Kept current every week, so the answer is always ready when you need it.
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Flat monthly pricing, no hourly billing, and no surprise invoice because a month ran long. Cancel any time.
For an owner-run business with straightforward books that simply need to be right and on time.
For a business with payroll, real receivables, and enough moving parts that someone needs to be watching.
For higher volume, multiple locations or jobs, or a business where the month simply cannot be allowed to slip.
Transaction and account limits are guides, not traps. An occasional busy month is fine. If your volume has genuinely moved up we will tell you and talk about it rather than quietly invoicing more. Behind on your books? Catch-up bookkeeping is quoted separately as a fixed one-time amount, and is paid before any work begins.
Catch-up bookkeeping
Months of uncoded transactions, accounts that were never reconciled, personal and business spending mixed together. It is common and it is fixable. We bring your books current in one fixed-price project, then keep them that way.
Nothing is priced sight unseen. We review your bank and card statements so the quote reflects the real state of the books.
Based on how many months are behind and how many accounts are involved. No hourly billing and no open-ended invoice.
Most catch-ups take two to four weeks. Anything we cannot identify comes back to you as one short numbered list, not a stream of emails.
Once you are current, your monthly package starts and the books are kept current every week, so you never fall behind again.
The difference
If your books are assembled after the month closes, every decision you made during that month was made blind. Weekly books mean a restaurant sees food cost jump while there is still time to fix portions, and a contractor sees a job running over budget while the job is still running.
We connect every account and card to live bank feeds, then build a rule set around how your business actually spends — usually thirty to fifty rules in the first month. That is the work that makes everything after it fast. Any historical clean-up is quoted as a fixed number before we start.
Transactions arrive daily and get coded weekly. Anything genuinely ambiguous comes back to you as a short numbered list — date, amount, merchant — not a thread of one-off emails. Most weeks that list is empty.
Every account reconciled to the statement, then the period is locked so nobody can quietly change it afterwards. You get your reports and a short note on anything worth your attention.
If something is not covered here, ask on the call. We would rather over-explain than have you find out later.
You find out about a problem the week it happens, not a month after it has cost you. A double-charged vendor, a subscription nobody uses, food cost creeping up, or a job running over budget gets flagged while there is still time to act. Questions also come to you while you still remember the purchase, so fewer transactions end up guessed at or dumped into miscellaneous.
Most low-cost services enter your transactions and send a report weeks after the month ends. We keep your books current every week, tell you what the numbers mean, and are based locally in the Tri-Valley. If you need a real conversation about your numbers, you can sit down with the person who keeps your books rather than opening a support ticket.
Every close comes with a short note on what changed and anything worth your attention, written in plain language. On Growth and Elite we walk through the numbers with you on a call. The point is not a report you file away but knowing where your money is going.
Yes. We are based in the Tri-Valley and work with businesses across the Bay Area. Onboarding and the conversations that matter can happen at your location; the weekly work itself runs securely in QuickBooks Online, so it never needs your time.
Usually within a week of the first call. Set-up takes a few days once we have access, and your first close lands at the end of the following month. If there is significant clean-up, add two to four weeks before the monthly rhythm starts.
Read-only access to your accounts, your most recent statements, and an hour of your time to explain how the business actually works. After onboarding, expect a short list of questions each month and very little else.
It is common and it is fixable. Clean-up is priced by the number of months behind and how tangled the accounts are. You will get a fixed number after we have seen your statements, before any work starts — not an open-ended hourly arrangement.
Yes. We work exclusively in QuickBooks Online because bank feeds, rules and reconciliation tools make the work reliable and repeatable. Migration from Xero, Wave, spreadsheets or a shoebox is handled as part of onboarding.
Count your accounts and roughly how many transactions run through them each month. Most owner-run businesses land in Essential or Growth. If you are unsure, the first call will settle it, and we would rather put you in the smaller package and move you up than the reverse.
An occasional busy month is not a problem and we will not invoice you for it. If your volume has genuinely moved up, we will tell you and discuss moving packages. You will never receive an unexpected bill.
No set-up fee for the ongoing engagement. Historical clean-up, if you need it, is quoted separately as a one-time amount before we begin.
No. Monthly, cancel any time with 30 days notice. If you leave, your QuickBooks file is yours and we will hand over everything needed to move on cleanly.
No. We are not a CPA firm and we do not prepare or file returns, represent you before any taxing authority, or give tax advice. We keep the books your CPA works from and tell you plainly when something belongs with them.
We do not process payroll. We reconcile and map payroll transactions from whichever provider you use, so the numbers land correctly in your books.
Yes, and it usually makes their job cheaper. Clean, reconciled books mean less time spent on clean-up at year end. We will coordinate with them directly if you would like us to.
Bookkeeping tells you what happened. Fractional CFO adds the forward view — a rolling cash forecast, tax reserve planning, and a monthly call about decisions. They are separate engagements and can run together or on their own.
Roughly thirty minutes a month for Essential, about an hour for Growth given the review call. The whole point is that you spend less time on this, not more.
Access is read-only wherever possible, credentials are never shared over email, and everything lives inside QuickBooks Online rather than on a laptop. We only request the access a task genuinely needs.
It is a conversation, not a project. The books are already ours and already clean, so the forward-looking work can start the following month.
We turn financial chaos into clear, actionable insight—so you can make smarter decisions, grow with confidence, and spend less time worrying about your numbers.